Applications / Mortgage Analytics / Lenders / Michigan / Advantage ONE Credit Union
Brownstown, MI · Credit union · NCUA · $257 million assets · 251 loans in 2025
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251
loans originated, 2025
337
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Advantage ONE Credit Union makes small loans to fix up homes and for other purposes, and its typical loan, $55,000, was smaller than at almost any similar credit union in 2025.
Other purposes made up 53.4% of its loans and home improvement 37.1%. Home purchases were just 2.4%. It made about as many loans as similar lenders (credit unions making between half and twice as many loans), 251 against 252, but lent $14.7 million against their $39.7 million. Their typical loan, $105,000, was about twice its own.
Its loans rose 16%, from 216 to 251, against 6% at similar lenders and 10% across the whole market. That was faster than about two-thirds of its peers. It is still short of the 313 loans it made in 2021.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 8.9% of its loans, against 16.1% at similar lenders, among the lowest tenth. Yet LMI borrowers got 27.5%, close to peers' 27.7%. One possibility is that the 11 Michigan counties where it lends hold fewer such neighborhoods. Another is that its members mostly live outside them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Advantage ONE Credit Union took 337 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 53.4% · Home improvement 37.1% · Refinance 7.2% · Purchase 2.4%
Conventional 100.0% · of 251 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 | 248 | 98.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Detroit-Dearborn-Livonia | 217 |
| Monroe | 18 |
| Warren-Troy-Farmington Hills | 4 |
| Ann Arbor | 3 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WJVATE8FMFMR49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 631682 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57603 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 568679 | 2017–2017 |
Established 1 January 1952. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Advantage ONE Credit Union's data.
Advantage ONE Credit Union's data
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Advantage ONE 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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