ADVIA Federal Credit Union
ADVIA Federal Credit Union received 3,710 applications in 2025 and made 2,045 mortgages, in 88 counties across 11 states. The median rate its borrowers got was 7.000% on a median loan of $75,000. Of 3,148 decisions, 1,026 were denials — 32.6%, most often for credit application incomplete.
| Legal Entity Identifier | 549300V3UW6HP83URS67 |
|---|---|
| Applications received | 3,710 |
| Mortgages made | 2,045 |
| Denied | 1,026 |
| Approved, not taken up | 77 |
| Withdrawn or incomplete | 562 |
| 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 | 98 | 7.000% | $190,000 | 30.6% |
| Refinancing | 666 | 7.000% | $105,000 | 17.3% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 1,277 | 7.000% | $55,000 | 38.7% |
Where ADVIA Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kalamazoo County, MI | 450 | 7.000% | 32.6% |
| St. Clair County, MI | 351 | 7.250% | 37.3% |
| Rock County, WI | 224 | 7.000% | 27.3% |
| Calhoun County, MI | 117 | 7.500% | 37.2% |
| Wayne County, MI | 115 | 7.000% | 23.9% |
| Walworth County, WI | 105 | 7.000% | 26.9% |
| McHenry County, IL | 92 | 7.000% | 32.4% |
| Allegan County, MI | 72 | 7.000% | 32.1% |
| Van Buren County, MI | 68 | 7.000% | 36.6% |
| Barry County, MI | 65 | 7.000% | 22.7% |
| Winnebago County, IL | 46 | 7.250% | 28.8% |
| Macomb County, MI | 39 | 7.500% | 28.6% |
| Kenosha County, WI | 35 | 7.000% | 35.7% |
| Sanilac County, MI | 30 | 7.250% | 36.7% |
| Lake County, IL | 29 | 7.000% | 34.1% |
| Waukesha County, WI | 28 | 7.000% | 21.6% |
| Milwaukee County, WI | 26 | 7.000% | 36.6% |
| Cook County, IL | 21 | 7.000% | 36.1% |
| Oakland County, MI | 16 | 7.375% | 26.1% |
| Kent County, MI | 15 | 7.250% | 20.0% |
| Monroe County, MI | 11 | 7.500% | 8.3% |
| St. Joseph County, MI | 6 | Under 10 loans | 53.3% |
| Boone County, IL | 5 | Under 10 loans | 0.0% |
| Kane County, IL | 5 | Under 10 loans | 37.5% |
| Cass County, MI | 5 | Under 10 loans | 0.0% |
| Lapeer County, MI | 5 | Under 10 loans | 58.3% |
| Racine County, WI | 5 | Under 10 loans | 54.6% |
| Berrien County, MI | 4 | Under 10 loans | 55.6% |
| Branch County, MI | 4 | Under 10 loans | 50.0% |
| Ottawa County, MI | 4 | Under 10 loans | 20.0% |
| Lenawee County, MI | 3 | Under 10 loans | 0.0% |
| Muskegon County, MI | 3 | Under 10 loans | 0.0% |
| Oceana County, MI | 3 | Under 10 loans | 0.0% |
| Orange County, FL | 2 | Under 10 loans | 0.0% |
| DuPage County, IL | 2 | Under 10 loans | 66.7% |
| Clare County, MI | 2 | Under 10 loans | 0.0% |
| Clinton County, MI | 2 | Under 10 loans | 0.0% |
| Eaton County, MI | 2 | Under 10 loans | 0.0% |
| Genesee County, MI | 2 | Under 10 loans | 50.0% |
| Huron County, MI | 2 | Under 10 loans | 0.0% |
| Livingston County, MI | 2 | Under 10 loans | 0.0% |
| Dane County, WI | 2 | Under 10 loans | 33.3% |
| Green County, WI | 2 | Under 10 loans | 50.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Antrim County, MI | 1 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 1 | Under 10 loans | 0.0% |
| Chippewa County, MI | 1 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 1 | Under 10 loans | 0.0% |
| Ionia County, MI | 1 | Under 10 loans | 0.0% |
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When ADVIA 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.