Lenders › Advia Credit Union › Michigan
Advia Credit Union in Michigan
HMDA record for properties in Michigan, calendar year 2024. National record · Michigan 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.
In Michigan, Advia Credit Union reported 2,543 applications and 1,402 originations for 2024, $160m in all.
Its denial rate in the state was 36.0%, above the Michigan rate of 23.9% 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 Michigan | Michigan, all lenders | Advia Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 36.0% | 23.9% | 34.3% | 24.3% |
| Median rate spread, pp | — | 0.5 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 18.4% | — | 15.6% |
| Average originated loan | $114k | $212k | $108k | $329k |
| Home purchase share | 3.7% | 51.2% | 4.0% | 57.0% |
| FHA-insured share | 0.0% | 10.0% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 4% (52)Home improvement 30% (422)Refinancing 37% (519)Other purpose 29% (409)
By type
Conventional 100% (1,402)
Denial reasons as coded
Share of 808 denials in Michigan by first denial reason coded (outlined bar: all lenders in the state).
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Kalamazoo County | 844 | 466 | $43m | 34.3% |
| St. Clair County | 605 | 330 | $28m | 38.2% |
| Calhoun County | 228 | 104 | $7.8m | 44.8% |
| Allegan County | 159 | 97 | $11m | 30.0% |
| Van Buren County | 136 | 80 | $6.9m | 33.6% |
| Wayne County | 145 | 79 | $6.9m | 37.7% |
| Barry County | 112 | 67 | $7.8m | 32.7% |
| Macomb County | 83 | 55 | $17m | 27.6% |
| Sanilac County | 53 | 29 | $2.1m | 35.4% |
| Oakland County | 25 | 13 | $7.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Advia Credit Union originate in Michigan in 2024?
1,402 loans totalling $160m, from 2,543 applications reported for properties in Michigan.
What is Advia Credit Union's denial rate in Michigan?
36.0% of decided applications in Michigan were denied, against 23.9% 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 Michigan counties does Advia Credit Union lend in most?
By originations: Kalamazoo County (466), St. Clair County (330), Calhoun County (104), Allegan County (97), Van Buren County (80).
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 Michigan. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.