Advantage Federal Credit Union
Advantage Federal Credit Union received 786 applications in 2025 and made 421 mortgages, in 11 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $85,000. Of 702 decisions, 280 were denials — 39.9%.
| Legal Entity Identifier | 254900YY8IQK41QDLZ95 |
|---|---|
| Applications received | 786 |
| Mortgages made | 421 |
| Denied | 280 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 84 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 38 | Not published | $230,000 | 22.5% |
| Refinancing | 77 | Not published | $115,000 | 28.7% |
| Cash-out refinancing | 52 | Not published | $85,000 | 42.2% |
| Other purposes | 254 | Not published | $65,000 | 44.0% |
Where Advantage Federal Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, NY | 378 | Not published | 39.6% |
| Wayne County, NY | 16 | Not published | 40.7% |
| Ontario County, NY | 11 | Not published | 45.0% |
| Livingston County, NY | 8 | Under 10 loans | 11.1% |
| Genesee County, NY | 3 | Under 10 loans | 57.1% |
| Orleans County, NY | 3 | Under 10 loans | 50.0% |
| Oswego County, NY | 1 | Under 10 loans | 0.0% |
| Schuyler County, NY | 1 | Under 10 loans | 0.0% |
| Cayuga County, NY | 0 | Under 10 loans | 100.0% |
| Seneca County, NY | 0 | Under 10 loans | 100.0% |
| Steuben County, NY | 0 | Under 10 loans | 100.0% |
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When Advantage Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.