ADVANTAGE PLUS
ADVANTAGE PLUS received 162 applications in 2025 and made 97 mortgages, in 18 counties across 6 states. The median rate its borrowers got was 6.500% on a median loan of $255,000. Of 148 decisions, 23 were denials — 15.5%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300EWGL0JGA62YY67 |
|---|---|
| Applications received | 162 |
| Mortgages made | 97 |
| Denied | 23 |
| Approved, not taken up | 28 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.293 points |
| 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 | 67 | 6.375% | $325,000 | 13.1% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 20.0% |
| Cash-out refinancing | 24 | 6.750% | $210,000 | 20.5% |
Where ADVANTAGE PLUS lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bannock County, ID | 31 | 6.500% | 5.6% |
| Caribou County, ID | 21 | 6.375% | 12.1% |
| Lincoln County, WY | 12 | 6.500% | 6.3% |
| Bear Lake County, ID | 11 | 6.500% | 27.3% |
| Power County, ID | 5 | Under 10 loans | 45.5% |
| Bingham County, ID | 4 | Under 10 loans | 20.0% |
| Franklin County, ID | 3 | Under 10 loans | 40.0% |
| Fremont County, ID | 3 | Under 10 loans | 0.0% |
| Bonneville County, ID | 2 | Under 10 loans | 0.0% |
| Amador County, CA | 1 | Under 10 loans | 0.0% |
| Madison County, ID | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Pettis County, MO | 1 | Under 10 loans | 0.0% |
| Williams County, ND | 1 | Under 10 loans | 0.0% |
| Jefferson County, ID | 0 | Under 10 loans | 0.0% |
| Oneida County, ID | 0 | Under 10 loans | Not published |
| Washington County, UT | 0 | Under 10 loans | 0.0% |
| Hot Springs County, WY | 0 | Under 10 loans | Not published |
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When ADVANTAGE PLUS’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.