ADVANTAGE ONE Credit Union
ADVANTAGE ONE Credit Union received 334 applications in 2025 and made 251 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $55,000. Of 317 decisions, 50 were denials — 15.8%, most often for debt-to-income ratio. 60 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300WJVATE8FMFMR49 |
|---|---|
| Applications received | 334 |
| Mortgages made | 251 |
| Denied | 50 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.58 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 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 13 | 7.490% | $75,000 | 21.1% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 41.7% |
| Other purposes | 227 | 7.500% | $55,000 | 14.9% |
Where ADVANTAGE ONE Credit Union lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, MI | 217 | 7.500% | 2.1% |
| Monroe County, MI | 18 | 8.240% | 5.0% |
| Washtenaw County, MI | 3 | Under 10 loans | 0.0% |
| Livingston County, MI | 2 | Under 10 loans | 0.0% |
| Macomb County, MI | 2 | Under 10 loans | 33.3% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 0.0% |
| Huron County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 0 | Under 10 loans | 100.0% |
| Mecosta County, MI | 0 | Under 10 loans | 100.0% |
| Roscommon County, MI | 0 | Under 10 loans | 0.0% |
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When ADVANTAGE ONE Credit Union’s figures are published for the next year, or restated.
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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.