Advancial Credit Union mortgage approval rate & lending review
Advancial Credit Union decided 1,408 mortgage applications and funded 1,255 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Advancial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Advancial Credit Union at a glance
Approval is 8.9 points above the 82.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 682 / 721 | 99% | $365K | 673 |
| Home improvement loans | 85% | 85 / 100 | 86% | $45K | 73 |
| Cash-out refinance | 90% | 128 / 142 | 99% | $395K | 127 |
| Refinance | 86% | 61 / 71 | 97% | $165K | 59 |
| Investment property purchase | 89% | 245 / 275 | 98% | $275K | 240 |
| Investment cash-out refinance | 85% | 75 / 88 | 99% | $355K | 74 |
Advancial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 91% | $365K | 341 | 300 |
| Florida | 92% | $275K | 185 | 168 |
| California | 90% | $605K | 177 | 156 |
| New York | 92% | $245K | 93 | 84 |
| Louisiana | 82% | $105K | 78 | 60 |
| New Jersey | 92% | $355K | 61 | 56 |
| Washington | 86% | $705K | 58 | 49 |
| Arizona | 97% | $345K | 32 | 31 |
| South Carolina | 90% | $135K | 30 | 26 |
| Colorado | 97% | $615K | 29 | 28 |
| Illinois | 82% | $195K | 22 | 18 |
| Pennsylvania | 95% | $245K | 20 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Advancial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lafayette Parish, LA | Home improvement loans | 79% | 33 | 24 |
| Lafayette Parish, LA | Mortgage lenders | 92% | 26 | 23 |
The county markets where Advancial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Advancial Credit Union
What is Advancial Credit Union's mortgage approval rate?
Advancial Credit Union approved 91.3% of the 1,408 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.9 points above the 82.3% national rate for the same mix of loan types.
How often do borrowers take the loan Advancial Credit Union offers?
Borrowers accepted 98% of the loans Advancial Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Advancial Credit Union make?
The typical home purchase mortgage loan Advancial Credit Union made was $365K; across all loan types its typical loan ran from $45K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Advancial Credit Union lend?
Advancial Credit Union decided applications in 44 of the states Fat Boy Data covers, most of them in Texas, Florida and California.
Can I apply to Advancial Credit Union directly?
Yes. Advancial Credit Union is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Advancial Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Advancial Credit Union treats applications, then get a rate quote from the lender.