Advancial Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
47th10.5% deniedPricingmedian rate spread over APOR, weight 30%
14th0.89 ptsProcesswithdrawn + incomplete share, weight 15%
30th16.3%Closing coststotal loan costs ÷ loan amount, weight 10%
23rd2.80% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 731 | 562 | 6.6% | 7.8% | 8.00% | $241M |
| 2024 | 638 | 477 | 8.2% | 9.7% | 7.50% | $233M |
| 2025 | 640 | 455 | 8.8% | 10.5% | 7.25% | $221M |
What Advancial Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 111 investment properties.
Why Advancial Credit Union denies applications
Primary reason reported for each of the 56 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Advancial Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 14 | 33.3% |
| $50k – $100k | 107 | 72 | 15.9% |
| $100k – $150k | 130 | 94 | 9.0% |
| $150k – $250k | 183 | 134 | 8.4% |
| Over $250k | 193 | 141 | 6.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 65 | 44 | 15.4% |
| 35–44 | 149 | 108 | 10.9% |
| 45–54 | 177 | 132 | 7.3% |
| 55–64 | 123 | 85 | 11.9% |
| 65–74 | 90 | 60 | 10.7% |
| Over 74 | 27 | 19 | 9.1% |
Where Advancial Credit Union lends
44 states and 267 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 156 | 111 | 8.3% | 6.75% | #466 |
| California | 73 | 55 | 6.9% | 7.25% | #482 |
| Louisiana | 57 | 39 | 15.8% | 7.06% | #237 |
| Florida | 49 | 30 | 4.1% | 7.44% | #606 |
| New York | 38 | 27 | 7.9% | 7.50% | #359 |
| New Jersey | 25 | 17 | 16.0% | 7.25% | #422 |
| Washington | 23 | 17 | 4.4% | 7.25% | #371 |
| Arizona | 17 | 13 | 5.9% | 6.75% | #435 |
| Colorado | 15 | 11 | 6.7% | 7.00% | #451 |
| Georgia | 15 | 8 | 26.7% | 7.31% | #613 |
| Connecticut | 12 | 11 | 0.0% | 7.25% | #354 |
| North Carolina | 10 | 8 | 10.0% | 7.94% | #637 |
| Oregon | 10 | 6 | 10.0% | 7.19% | #364 |
| South Carolina | 10 | 6 | 20.0% | 7.69% | #532 |
| Virginia | 10 | 9 | 10.0% | 7.25% | #567 |
| Illinois | 9 | 6 | 11.1% | 7.25% | #700 |
| Oklahoma | 9 | 6 | 11.1% | 6.75% | #419 |
| Utah | 9 | 7 | 0.0% | 7.25% | #301 |
| New Mexico | 8 | 8 | 0.0% | 7.75% | #280 |
| Alaska | 7 | 5 | 0.0% | 7.00% | #115 |
| Montana | 7 | 7 | 0.0% | 7.50% | #213 |
| Tennessee | 7 | 5 | 0.0% | 7.25% | #670 |
| Wisconsin | 7 | 5 | 0.0% | 7.25% | #535 |
| Delaware | 5 | 4 | 20.0% | 7.38% | #307 |
| Massachusetts | 5 | 5 | 0.0% | 7.25% | #522 |
| Maryland | 5 | 2 | 20.0% | 6.44% | #546 |
Frequently asked questions
Advancial Credit Union denied 10.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 47th percentile of small mortgage lenders.
The most common reason Advancial Credit Union gave in 2025 was "debt-to-income ratio", cited on 28.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Advancial Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.89 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 64% of its applications were for home purchases, 30% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.