PlainLender

Advantage Plus FCU

Pocatello, ID

Advantage Plus FCU processed 148 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 100 loans with a 10.1% denial rate. Home Purchase was the primary loan purpose. Based in Pocatello, ID. The approval rate of 67.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Advantage Plus FCU processed 148 HMDA-reported mortgage applications in 2024, originating 100 loans and denying 15 for a denial rate of 10.1% (applicants themselves withdrew 6 files before a decision). The average loan amount was $283,649 at a 6.839% average note rate, and applicants self-reported an average income of $38,000. The lender reports under LEI 549300EWGL0JGA62YY67 from Pocatello, ID.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Advantage Plus FCU's 67.6% origination rate tells you how often an application turned into funded money; the 10.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (115 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

148
Applications
100
Originated
10.1%
Denial Rate
$283,649
Avg Loan Amount
Avg Interest Rate: 6.839% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 115 81 11 $295,261
FHA 26 15 4 $231,154
USDA 5 3 0 $219,000
VA 2 1 0 $460,000

Top loan types — Advantage Plus FCU

Top loan types — Advantage Plus FCU Horizontal bar chart of the top 4 items by value (applications). Top loan types — Advantage Plus FCU Top 4 1. Conventional 115 2. FHA 26 3. USDA 5 4. VA 2 Top 5 loan types by application volume at Advantage Plus FCU (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Advantage Plus FCU (LEI: 549300EWGL0JGA62YY67) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
5
Collateral
4
Credit history
4
Other
2
Unverifiable information
2
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 109 72 $317,110
Cash-out Refinancing 34 23 $191,176
Refinancing 5 5 $183,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 126 68.3% 10.3%
Joint 4 75.0% 0.0%
Asian 1 100.0% 0.0%
Black or African American 1 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 121 67.8% 9.9%
Hispanic or Latino 8 62.5% 12.5%
Joint 3 66.7% 0.0%

Nearby Lenders in ID

Other HMDA-reporting lenders in ID with similar activity. Compare any two side-by-side.

IDAHO CENTRAL CREDIT UNION

CHUBBUCK, ID

14,046 apps 8,573 originated 20.0% denied

Premier Mortgage Resources, LLC

Meridian, ID

6,105 apps 4,104 originated 3.1% denied

Secured Investment Corp

Coeur d'Alene, ID

2,051 apps 259 originated 0.0% denied

FIRST FEDERAL SAVINGS BANK

TWIN FALLS, ID

1,212 apps 715 originated 13.9% denied

POTLATCH NO 1 FINANCIAL CREDIT U

LEWISTON, ID

1,202 apps 734 originated 13.3% denied
Compare Advantage Plus FCU vs IDAHO CENTRAL CREDIT UNION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did Advantage Plus FCU process?
Advantage Plus FCU processed 148 mortgage applications in the 2023 HMDA reporting year. Of these, 100 were originated (approved and funded), 6 were withdrawn by the applicant, and 15 were denied.
What is Advantage Plus FCU's mortgage approval rate?
Advantage Plus FCU has an approval (origination) rate of 67.6%, meaning 67.6% of all applications resulted in a funded mortgage. The denial rate is 10.1%.
What is the average loan amount at Advantage Plus FCU?
The average mortgage loan amount at Advantage Plus FCU is $283,649. The average interest rate is 6.839%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at Advantage Plus FCU?
The most common reasons for mortgage denial at Advantage Plus FCU are: Debt-to-income ratio, Collateral, Credit history. In total, 15 applications were denied out of 148 total applications.
What types of mortgage loans does Advantage Plus FCU offer?
Advantage Plus FCU processes Conventional, FHA, USDA, VA loans. The most common type is Conventional with 115 applications and an average loan amount of $295,261.
What loan purposes does Advantage Plus FCU serve?
Advantage Plus FCU serves the following loan purposes: Home Purchase (109 applications), Cash-out Refinancing (34 applications), Refinancing (5 applications). Home Purchase is the most common purpose.
Where is Advantage Plus FCU located?
Advantage Plus FCU is headquartered in Pocatello, ID. The lender is identified by LEI 549300EWGL0JGA62YY67 in HMDA data.
How does Advantage Plus FCU compare in lending across racial demographics?
Advantage Plus FCU reports demographic lending data under HMDA requirements. White applicants have an approval rate of 68.3% and denial rate of 10.3%; Joint applicants have an approval rate of 75.0% and denial rate of 0.0%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.