ADVANTAGE ONE 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 D 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%
29th15.7% deniedPricingmedian rate spread over APOR, weight 30%
4th1.58 ptsProcesswithdrawn + incomplete share, weight 15%
78th5.3%Closing coststotal loan costs ÷ loan amount, weight 10%
27th2.60% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 364 | 228 | 17.9% | 21.7% | 7.74% | $12M |
| 2024 | 323 | 216 | 15.8% | 17.9% | 8.00% | $14M |
| 2025 | 337 | 251 | 14.8% | 15.7% | 7.50% | $15M |
What ADVANTAGE ONE 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: 61 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 8 investment properties.
Why ADVANTAGE ONE Credit Union denies applications
Primary reason reported for each of the 50 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at ADVANTAGE ONE 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 | 64 | 38 | 33.9% |
| $50k – $100k | 145 | 108 | 13.1% |
| $100k – $150k | 77 | 61 | 12.5% |
| $150k – $250k | 41 | 38 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 18 | 26.7% |
| 35–44 | 62 | 47 | 19.0% |
| 45–54 | 95 | 80 | 9.8% |
| 55–64 | 82 | 61 | 13.2% |
| 65–74 | 44 | 29 | 20.9% |
Where ADVANTAGE ONE Credit Union lends
2 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 334 | 251 | 15.0% | 7.50% | #164 |
Frequently asked questions
ADVANTAGE ONE Credit Union denied 15.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
The most common reason ADVANTAGE ONE Credit Union gave in 2025 was "debt-to-income ratio", cited on 46.0% 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 ADVANTAGE ONE Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 1.58 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 4% of its applications were for home purchases, 10% for refinancing (including cash-out), and 85% 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.