Applications / Mortgage Analytics / Lenders / Idaho / Advantage Plus Federal Credit Union
Pocatello, ID · Credit union · NCUA · $281 million assets · 101 loans in 2025
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101
loans originated, 2025
246
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Advantage Plus Federal Credit Union is a sizable home-purchase lender in Pocatello, Idaho, where it ranks 13th of 153, but it makes only about a sixth as many loans as it did in 2020.
Its typical loan was $265,000. At similar lenders (credit unions making between half and twice as many loans) it was $95,000, and Advantage Plus's was higher than at nineteen in twenty of them. Home purchases took 70.3% of its loans. FHA loans (insured by the Federal Housing Administration) were 15.8% of its lending, against 0.0% at peers.
It made 101 loans, about the same as the 100 of 2024, while similar lenders grew 8%. In 2020 it made 614, when its typical rate was 2.88% against 6.50% now. Cheaper money then may account for much of the difference.
It ranked 13 of 153 lenders in Pocatello with 1.9% of the market, down 0.2 points; Idaho Central Credit Union led. At about a hundred loans a year, a few either way move its share. In non-metro Idaho it ranked 52 of 378. It has lent in both since 2003.
Low- and moderate-income (LMI) neighborhoods took 7.0% of its loans, against 17.2% at peers, fewer than at about nine in ten. LMI borrowers took 28.0%, near the middle. Its larger purchase loans and much of its lending in rural Idaho and Wyoming are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Plus Federal Credit Union took 246 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.3% · Refinance 29.7%
Conventional 82.2% · FHA 15.8% · USDA (RHS or FSA) 2.0% · of 101 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 |
|---|---|---|
| Idaho | 85 | 84.2% |
| Wyoming | 12 | 11.9% |
| Missouri | 2 | 2.0% |
| California | 1 | 1.0% |
| North Dakota | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pocatello | 32 |
| Idaho Falls | 3 |
| Logan | 3 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EWGL0JGA62YY67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 593687 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58428 | 2003–2017 |
Established 1 January 1953. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Advantage Plus Federal Credit Union's data.
Advantage Plus Federal Credit Union's data
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Advantage Plus Federal 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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