Applications / Mortgage Analytics / Lenders / Kentucky / Advanz Federal Credit Union
Louisville, KY · Credit union · NCUA · $154 million assets · 43 loans in 2025
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43
loans originated, 2025
57
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Advanz Federal Credit Union, a small Louisville lender, refinances and improves homes for borrowers of modest means, and it made fewer loans again in 2025.
Its loans fell 19% to 43, while similar lenders (credit unions making between half and twice as many loans) grew 3% and the market 10%. In 2020 it made 133, when its typical rate was 3.50%. With refinances 48.8% of its loans, cheaper money then may account for part of that higher count, though the figures here do not confirm it.
Home improvement made up 37.2% of its loans and purchases only 2.3%. All were conventional. Its typical loan was $85,000, against $95,000 at peers. None was higher-priced (a rate well above the average for similar loans).
Borrowers with low and moderate incomes (LMI) took 44.2% of its loans, against 31.3% at peers, more than at about four in five of them. Its shares in poorer neighborhoods, 18.6%, and in majority-minority areas, 9.3%, were near the middle.
It has lent in Louisville since 1990. It ranked 193 of 510 lenders there, with a share that rounds to 0.0%. United Wholesale Mortgage and Rocket Mortgage led that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Advanz Federal Credit Union took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.8% · Home improvement 37.2% · Other 11.6% · Purchase 2.3%
Conventional 100.0% · of 43 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 |
|---|---|---|
| Kentucky | 34 | 79.1% |
| Indiana | 9 | 20.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 42 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007ZG5EVEXW01J70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 505989 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519853 | 1990–2017 |
Established 1 January 1969. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Advanz Federal Credit Union's data.
Advanz Federal Credit Union's data
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Advanz 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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