ADVANTAGE ONE Credit Union mortgage approval rate & lending review
ADVANTAGE ONE Credit Union decided 412 mortgage applications and funded 362 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions ADVANTAGE ONE Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
ADVANTAGE ONE Credit Union at a glance
Approval is 25.3 points above the 68.3% 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 | 92% | 48 / 52 | 88% | $125K | 42 |
| Home improvement loans | 99% | 246 / 249 | 98% | $45K | 240 |
| Cash-out refinance | 67% | 30 / 45 | 87% | $95K | 26 |
| Refinance | 92% | 48 / 52 | 85% | $55K | 41 |
ADVANTAGE ONE Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 94% | $45K | 411 | 362 |
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 ONE Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wayne County, MI | Home improvement loans | 99% | 228 | 219 |
| Wayne County, MI | Refinance | 93% | 45 | 35 |
| Wayne County, MI | Cash-out refinance | 70% | 40 | 24 |
The county markets where ADVANTAGE ONE Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about ADVANTAGE ONE Credit Union
What is ADVANTAGE ONE Credit Union's mortgage approval rate?
ADVANTAGE ONE Credit Union approved 93.7% of the 412 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 25.3 points above the 68.3% national rate for the same mix of loan types.
How often do borrowers take the loan ADVANTAGE ONE Credit Union offers?
Borrowers accepted 94% of the loans ADVANTAGE ONE 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 ONE Credit Union make?
The typical home improvement loan loan ADVANTAGE ONE Credit Union made was $45K; across all loan types its typical loan ran from $45K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does ADVANTAGE ONE Credit Union lend?
ADVANTAGE ONE Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Michigan and North Carolina.
Can I apply to ADVANTAGE ONE Credit Union directly?
Yes. ADVANTAGE ONE Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show ADVANTAGE ONE 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 ONE Credit Union treats applications, then get a rate quote from the lender.