Advantage Federal Credit Union mortgage approval rate & lending review
Advantage Federal Credit Union decided 1,247 mortgage applications and funded 805 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Advantage Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Advantage Federal Credit Union at a glance
Approval is 3.6 points below the 68.4% 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 | 75% | 98 / 130 | 97% | $185K | 95 |
| Home improvement loans | 63% | 429 / 682 | 100% | $65K | 429 |
| Cash-out refinance | 63% | 151 / 241 | 100% | $95K | 151 |
| Refinance | 70% | 128 / 184 | 100% | $105K | 128 |
Advantage Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 65% | $65K | 1,247 | 805 |
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 Advantage Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, NY | Home improvement loans | 62% | 656 | 409 |
| Monroe County, NY | Cash-out refinance | 63% | 230 | 146 |
| Monroe County, NY | Refinance | 70% | 181 | 127 |
| Monroe County, NY | Mortgage lenders | 77% | 125 | 93 |
The county markets where Advantage Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Advantage Federal Credit Union
What is Advantage Federal Credit Union's mortgage approval rate?
Advantage Federal Credit Union approved 64.8% of the 1,247 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.6 points below the 68.4% national rate for the same mix of loan types.
How often do borrowers take the loan Advantage Federal Credit Union offers?
Borrowers accepted 100% of the loans Advantage Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Advantage Federal Credit Union make?
The typical home improvement loan loan Advantage Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Advantage Federal Credit Union lend?
Advantage Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Advantage Federal Credit Union directly?
Yes. Advantage Federal Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Advantage Federal 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 Advantage Federal Credit Union treats applications, then get a rate quote from the lender.