# ADVANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/advancial-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ADVANCIAL CREDIT UNION is a credit union, headquartered in Dallas, TX, serving borrowers nationwide, with 439 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300I1HK1BBZLKOB84
- **Headquarters:** Dallas, TX
- **Geographic Reach:** National
- **States Served:** 45
- **State List:** AK, AR, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 5
- **Primary Channel:** mix
- **Direct Origination:** 22.6%
- **Brokered/Wholesale:** 77.4%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.561%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,287
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 439
- **Dollar Volume:** $224 million
- **Applications Received:** 583
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $510,125
- **Average Borrower Income:** $256,353
- **Average Property Value:** $793,200

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 376 | +0.558% | $3,369 | Sound ☺️ |
| Jumbo | 71/100 | 63 | +0.588% | $2,297 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 293 loans, Score: 43/100 (Sound)
- Refinance: 83 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 47 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 340 | $168M | +0.565% | Sound ☺️ |
| Refinance | 45/100 | 99 | $56M | +0.538% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 78 | 0.02% | 57/100 |
| CA | 59 | 0.02% | 54/100 |
| FL | 50 | 0.02% | 52/100 |
| NY | 32 | 0.03% | 52/100 |
| NJ | 21 | 0.02% | 48/100 |
| WA | 18 | 0.02% | 46/100 |
| CO | 15 | 0.02% | 43/100 |
| PA | 12 | 0.01% | 40/100 |
| NC | 11 | 0.01% | 38/100 |
| LA | 10 | 0.03% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 64 | 48/100 |
| Dallas | TX | 29 | 52/100 |
| New York | NY-NJ | 27 | 52/100 |
| Houston | TX | 18 | 45/100 |
| Los Angeles | CA | 16 | 46/100 |

## Frequently Asked Questions

### What loan types does ADVANCIAL CREDIT UNION offer?

ADVANCIAL CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ADVANCIAL CREDIT UNION offer mortgages?

ADVANCIAL CREDIT UNION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are ADVANCIAL CREDIT UNION's mortgage rates?

ADVANCIAL CREDIT UNION has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.561% above market average.

### What type of lender is ADVANCIAL CREDIT UNION?

ADVANCIAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Dallas, TX.

### What is ADVANCIAL CREDIT UNION's loan approval success rate?

ADVANCIAL CREDIT UNION has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/advancial-credit-union

### How to Cite

> "ADVANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/advancial-credit-union

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