ADVIA Federal Credit Union in Michigan vs the state
28.2%Denial rate+9.65 pts vs state
33.3%Decision denial rate+10.69 pts vs state
54.3%Origination rate-5.63 pts vs state
7.04%Median rate+0.29 pts vs state
—Rate spread (pts)
$74kMedian applicant income
1,408Loans originated
731Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,306 | 1,203 | 33.7% | 8.00% | #31 |
| 2024 | 2,543 | 1,402 | 31.8% | 8.00% | #31 |
| 2025 | 2,595 | 1,408 | 28.2% | 7.04% | #38 |
What ADVIA Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most ADVIA Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kalamazoo County | 819 | 450 | 228 | 27.8% |
| St. Clair County | 685 | 351 | 217 | 31.7% |
| Calhoun County | 225 | 117 | 71 | 31.6% |
| Wayne County | 194 | 115 | 38 | 19.6% |
| Van Buren County | 131 | 68 | 41 | 31.3% |
| Allegan County | 131 | 72 | 35 | 26.7% |
| Barry County | 94 | 65 | 20 | 21.3% |
| Macomb County | 65 | 39 | 16 | 24.6% |
| Sanilac County | 59 | 30 | 18 | 30.5% |
| Oakland County | 31 | 16 | 6 | 19.4% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 2,595 applications in 2025, of which 1,408 were originated and 731 denied.
28.2% of all applications, or 33.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans ADVIA Federal Credit Union originated in Michigan in 2025 was 7.04%, against a statewide median of 6.75%.
About this data. Figures are ADVIA Federal Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology