Lenders › Advia Credit Union › Illinois
Advia Credit Union in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Advia Credit Union's 2024 HMDA record for Illinois covers 332 applications, 180 of them originated, worth $18m.
Its denial rate in the state was 34.9%, above the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 34.3%.
Applications in the state were up 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | Advia Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.9% | 23.3% | 34.3% | 24.3% |
| Median rate spread, pp | — | 0.5 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.4% | — | 15.6% |
| Average originated loan | $99k | $273k | $108k | $329k |
| Home purchase share | 6.7% | 61.1% | 4.0% | 57.0% |
| FHA-insured share | 0.0% | 10.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 7% (12)Home improvement 25% (45)Refinancing 39% (71)Other purpose 29% (52)
By type
Conventional 100% (180)
Denial reasons as coded
Share of 99 denials in Illinois by first denial reason coded (outlined bar: all lenders in the state).
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| McHenry County | 191 | 104 | $9.3m | 34.6% |
| Winnebago County | 93 | 57 | $4.5m | 27.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Advia Credit Union originate in Illinois in 2024?
180 loans totalling $18m, from 332 applications reported for properties in Illinois.
What is Advia Credit Union's denial rate in Illinois?
34.9% of decided applications in Illinois were denied, against 23.3% for all lenders in the state and 34.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Illinois counties does Advia Credit Union lend in most?
By originations: McHenry County (104), Winnebago County (57).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Illinois. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.