Advia Credit Union mortgage approval rate & lending review
Advia Credit Union decided 5,079 mortgage applications and funded 3,562 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Advia Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Advia Credit Union at a glance
Approval is 2.1 points above the 70.1% 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 | 63% | 176 / 280 | 98% | $155K | 172 |
| Home improvement loans | 66% | 1,640 / 2,493 | 97% | $55K | 1,585 |
| Refinance | 82% | 1,803 / 2,202 | 98% | $95K | 1,758 |
| Investment property purchase | 75% | 21 / 28 | 95% | $275K | 20 |
| Investment refinance | 56% | 14 / 25 | 79% | $125K | 11 |
| Investment home improvement | 28% | 13 / 47 | 92% | $85K | 12 |
Advia Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 71% | $95K | 3,340 | 2,283 |
| Wisconsin | 77% | $75K | 1,207 | 904 |
| Illinois | 73% | $105K | 513 | 367 |
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 Advia Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kalamazoo County, MI | Refinance | 82% | 611 | 491 |
| Kalamazoo County, MI | Home improvement loans | 67% | 634 | 409 |
| St. Clair County, MI | Home improvement loans | 64% | 540 | 334 |
| Rock County, WI | Refinance | 84% | 346 | 285 |
| St. Clair County, MI | Refinance | 80% | 273 | 207 |
| Rock County, WI | Home improvement loans | 69% | 292 | 193 |
| Walworth County, WI | Refinance | 84% | 187 | 156 |
| Calhoun County, MI | Home improvement loans | 59% | 186 | 106 |
| McHenry County, IL | Refinance | 79% | 124 | 97 |
| Allegan County, MI | Refinance | 83% | 119 | 96 |
| Walworth County, WI | Home improvement loans | 81% | 122 | 96 |
| Calhoun County, MI | Refinance | 70% | 130 | 90 |
The county markets where Advia Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Advia Credit Union
What is Advia Credit Union's mortgage approval rate?
Advia Credit Union approved 72.3% of the 5,079 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.1 points above the 70.1% national rate for the same mix of loan types.
How often do borrowers take the loan Advia Credit Union offers?
Borrowers accepted 97% of the loans Advia 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 Advia Credit Union make?
The typical home improvement loan loan Advia Credit Union made was $55K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Advia Credit Union lend?
Advia Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Michigan, Wisconsin and Illinois.
Can I apply to Advia Credit Union directly?
Yes. Advia Credit Union is a bank or credit union with 34 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Advia 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 Advia Credit Union treats applications, then get a rate quote from the lender.