PlainLender

ADVIA CREDIT UNION

KALAMAZOO, MI

ADVIA CREDIT UNION processed 3,610 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 2,033 loans with a 30.2% denial rate. Other was the primary loan purpose. Based in KALAMAZOO, MI. The approval rate of 56.3% 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. ADVIA CREDIT UNION processed 3,610 HMDA-reported mortgage applications in 2024, originating 2,033 loans and denying 1,091 for a denial rate of 30.2% (applicants themselves withdrew 424 files before a decision). The average loan amount was $93,906 at a 8.421% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 549300V3UW6HP83URS67 from KALAMAZOO, MI.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. ADVIA CREDIT UNION's 56.3% origination rate tells you how often an application turned into funded money; the 30.2% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit application incomplete, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (3,610 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.

3,610
Applications
2,033
Originated
30.2%
Denial Rate
$93,906
Avg Loan Amount
Avg Interest Rate: 8.421% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 3,610 2,033 1,091 $93,906

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for ADVIA CREDIT UNION (LEI: 549300V3UW6HP83URS67) · 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

Credit application incomplete
433
Credit history
290
Collateral
179
Debt-to-income ratio
179
Unverifiable information
12
Employment history
9
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 1,238 543 $73,813
Refinancing 1,195 837 $122,540
Home Improvement 1,034 571 $62,573
Home Purchase 142 81 $255,211
Cash-out Refinancing 1 1 $245,000

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 3,022 58.5% 28.5%
Black or African American 150 29.3% 50.0%
Joint 44 61.4% 25.0%
Asian 25 32.0% 48.0%
American Indian or Alaska Native 23 43.5% 47.8%
2 or more minority races 4 25.0% 75.0%

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 3,140 57.1% 29.6%
Hispanic or Latino 173 48.0% 37.6%
Joint 59 52.5% 39.0%

Nearby Lenders in MI

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

ROCKET MORTGAGE

DETROIT, MI

553,854 apps 361,071 originated 14.9% denied

United Wholesale Mortgage

Pontiac, MI

493,978 apps 366,078 originated 11.7% denied

Flagstar Bank NA

Troy, MI

67,778 apps 29,443 originated 18.5% denied

Lake Michigan Credit Union

Grand Rapids, MI

16,222 apps 12,245 originated 8.3% denied

Northpointe Bank

Grand Rapids, MI

9,882 apps 5,580 originated 5.5% denied
Compare ADVIA CREDIT UNION vs ROCKET MORTGAGE →

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

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did ADVIA CREDIT UNION process?
ADVIA CREDIT UNION processed 3,610 mortgage applications in the 2023 HMDA reporting year. Of these, 2,033 were originated (approved and funded), 424 were withdrawn by the applicant, and 1,091 were denied.
What is ADVIA CREDIT UNION's mortgage approval rate?
ADVIA CREDIT UNION has an approval (origination) rate of 56.3%, meaning 56.3% of all applications resulted in a funded mortgage. The denial rate is 30.2%.
What is the average loan amount at ADVIA CREDIT UNION?
The average mortgage loan amount at ADVIA CREDIT UNION is $93,906. The average interest rate is 8.421%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at ADVIA CREDIT UNION?
The most common reasons for mortgage denial at ADVIA CREDIT UNION are: Credit application incomplete, Credit history, Collateral. In total, 1,091 applications were denied out of 3,610 total applications.
What types of mortgage loans does ADVIA CREDIT UNION offer?
ADVIA CREDIT UNION processes Conventional loans. The most common type is Conventional with 3,610 applications and an average loan amount of $93,906.
What loan purposes does ADVIA CREDIT UNION serve?
ADVIA CREDIT UNION serves the following loan purposes: Other (1,238 applications), Refinancing (1,195 applications), Home Improvement (1,034 applications), Home Purchase (142 applications), Cash-out Refinancing (1 applications). Other is the most common purpose.
Where is ADVIA CREDIT UNION located?
ADVIA CREDIT UNION is headquartered in KALAMAZOO, MI. The lender is identified by LEI 549300V3UW6HP83URS67 in HMDA data.
How does ADVIA CREDIT UNION compare in lending across racial demographics?
ADVIA CREDIT UNION reports demographic lending data under HMDA requirements. White applicants have an approval rate of 58.5% and denial rate of 28.5%; Black or African American applicants have an approval rate of 29.3% and denial rate of 50.0%; Joint applicants have an approval rate of 61.4% and denial rate of 25.0%. 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.