Applications / Mortgage Analytics / Lenders / Michigan / Advia Credit Union
Kalamazoo, MI · Credit union · NCUA · $3.9 billion assets · 2,045 loans in 2025
Advia Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,045
loans originated, 2025
3,710
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Advia Credit Union is a Michigan lender of small refinance, home-improvement and other-purpose loans, and it lent to low- and moderate-income borrowers more than nearly every similar credit union.
Home purchases were only 4.8% of its loans; refinances were 32.8%, other purposes 31.5% and home improvement 31.0%. Its typical loan, $75,000, was smaller than at nearly all similar lenders (credit unions making between half and twice as many loans), whose typical loan was $115,000. Its jumbo (larger than the conforming limit) share was 0.5%.
LMI (low- and moderate-income) borrowers took 46.2% of its loans, against 27.0% at similar lenders, the highest share among them. Its 22.4% share in LMI areas was higher than about nineteen in twenty peers. Its share in majority-minority areas, 4.5%, was lower than peers' 12.0%, though up from 2.6%; the make-up of the Michigan markets it mainly serves is one possible reason.
Originations were 2,045, up from 1,431 five years before. In 2025 they rose 1%, while similar lenders grew 11% and the whole market 10%. It has merged with several lenders, most recently Appletree Credit Union in 2025; merged filings count in its competition figures, not in its own originations.
In Kalamazoo-Portage, its home market, it ranked 6 of 281 lenders with 3.5% of lending, up 0.1 points.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Advia Credit Union took 3,710 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 32.8% · Other 31.5% · Home improvement 31.0% · Purchase 4.8%
Conventional 100.0% · of 2,045 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 1,408 | 68.9% |
| Wisconsin | 433 | 21.2% |
| Illinois | 200 | 9.8% |
| Florida | 4 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kalamazoo-Portage | 450 |
| Warren-Troy-Farmington Hills | 413 |
| Janesville-Beloit | 224 |
| Battle Creek | 117 |
| Chicago-Naperville-Schaumburg | 115 |
| Detroit-Dearborn-Livonia | 115 |
| Grand Rapids-Wyoming-Kentwood | 86 |
| Milwaukee-Waukesha | 55 |
| Rockford | 51 |
| Kenosha | 35 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V3UW6HP83URS67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 981994 | 2004–2013 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 986177 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561503 | 1992–2017 |
Established 1 January 1935. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Advia Credit Union's data.
Advia Credit Union's data
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Advia Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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