ADVANCIAL CREDIT UNION
ADVANCIAL CREDIT UNION received 640 applications in 2025 and made 455 mortgages, in 273 counties across 45 states. The median rate its borrowers got was 7.250% on a median loan of $335,000. Of 536 decisions, 56 were denials — 10.5%, most often for debt-to-income ratio. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300I1HK1BBZLKOB84 |
|---|---|
| Applications received | 640 |
| Mortgages made | 455 |
| Denied | 56 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 104 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.8925 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 309 | 7.125% | $365,000 | 7.1% |
| Refinancing | 38 | 7.415% | $185,000 | 17.0% |
| Cash-out refinancing | 81 | 7.375% | $385,000 | 18.6% |
| Other purposes | 27 | 7.810% | $55,000 | 11.1% |
Where ADVANCIAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 22 | 6.918% | 8.0% |
| Lafayette Parish, LA | 20 | 6.813% | 18.5% |
| Dallas County, TX | 17 | 6.875% | 19.1% |
| Collin County, TX | 10 | 7.515% | 15.4% |
| Denton County, TX | 10 | 7.470% | 23.1% |
| Bergen County, NJ | 9 | Under 10 loans | 18.2% |
| New York County, NY | 8 | Under 10 loans | 0.0% |
| San Francisco County, CA | 7 | Under 10 loans | 12.5% |
| Contra Costa County, CA | 6 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 6 | Under 10 loans | 0.0% |
| Westchester County, NY | 6 | Under 10 loans | 0.0% |
| Cameron County, TX | 6 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 6 | Under 10 loans | 0.0% |
| Montgomery County, TX | 6 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 5 | Under 10 loans | 16.7% |
| Riverside County, CA | 5 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 5 | Under 10 loans | 0.0% |
| Sarasota County, FL | 5 | Under 10 loans | 0.0% |
| Cook County, IL | 5 | Under 10 loans | 16.7% |
| St. Martin Parish, LA | 5 | Under 10 loans | 0.0% |
| Vermilion Parish, LA | 5 | Under 10 loans | 0.0% |
| Colfax County, NM | 5 | Under 10 loans | 0.0% |
| Tarrant County, TX | 5 | Under 10 loans | 0.0% |
| Anchorage Municipality, AK | 4 | Under 10 loans | 0.0% |
| Orange County, CA | 4 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 4 | Under 10 loans | 0.0% |
| Pinellas County, FL | 4 | Under 10 loans | 0.0% |
| Bronx County, NY | 4 | Under 10 loans | 0.0% |
| Washington County, UT | 4 | Under 10 loans | 0.0% |
| King County, WA | 4 | Under 10 loans | 0.0% |
| Coconino County, AZ | 3 | Under 10 loans | 0.0% |
| Pinal County, AZ | 3 | Under 10 loans | 0.0% |
| Ventura County, CA | 3 | Under 10 loans | 25.0% |
| Douglas County, CO | 3 | Under 10 loans | 25.0% |
| Jefferson County, CO | 3 | Under 10 loans | 0.0% |
| New Castle County, DE | 3 | Under 10 loans | 0.0% |
| Kings County, NY | 3 | Under 10 loans | 20.0% |
| Horry County, SC | 3 | Under 10 loans | 20.0% |
| Bexar County, TX | 3 | Under 10 loans | 0.0% |
| Rockwall County, TX | 3 | Under 10 loans | 0.0% |
| Clark County, WA | 3 | Under 10 loans | 0.0% |
| Alameda County, CA | 2 | Under 10 loans | 0.0% |
| Marin County, CA | 2 | Under 10 loans | 0.0% |
| Monterey County, CA | 2 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 2 | Under 10 loans | 0.0% |
| San Mateo County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 2 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 2 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.