Vantage Bank Texas mortgage approval rate & lending review
Vantage Bank Texas decided 863 mortgage applications and funded 704 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Vantage Bank Texas reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Vantage Bank Texas at a glance
Approval is 5.5 points above the 85.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 354 / 382 | 89% | $505K | 314 |
| Cash-out refinance | 55% | 22 / 40 | 77% | $135K | 17 |
| Refinance | 60% | 21 / 35 | 90% | $505K | 19 |
| Investment property purchase | 98% | 380 / 388 | 91% | $365K | 344 |
Vantage Bank Texas lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 91% | $365K | 844 | 686 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Vantage Bank Texas lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, TX | Investment property purchase | 99% | 85 | 79 |
| Harris County, TX | Investment property purchase | 98% | 88 | 74 |
| Bexar County, TX | Investment property purchase | 100% | 77 | 73 |
| Hidalgo County, TX | Mortgage lenders | 91% | 53 | 40 |
| Hidalgo County, TX | Investment property purchase | 100% | 30 | 23 |
| Webb County, TX | Mortgage lenders | 93% | 27 | 21 |
| Hidalgo County, TX | Cash-out refinance | 46% | 26 | 9 |
The county markets where Vantage Bank Texas made the most loans. Each link opens that market with every lender ranked.
Questions about Vantage Bank Texas
What is Vantage Bank Texas's mortgage approval rate?
Vantage Bank Texas approved 91.4% of the 863 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.5 points above the 85.9% national rate for the same mix of loan types.
How often do borrowers take the loan Vantage Bank Texas offers?
Borrowers accepted 89% of the loans Vantage Bank Texas approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Vantage Bank Texas make?
The typical investment property mortgage loan Vantage Bank Texas made was $365K; across all loan types its typical loan ran from $135K to $505K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Vantage Bank Texas lend?
Vantage Bank Texas decided applications in 10 of the states Fat Boy Data covers, most of them in Texas, California and Florida.
Can I apply to Vantage Bank Texas directly?
Yes. Vantage Bank Texas is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Vantage Bank Texas's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Vantage Bank Texas treats applications, then get a rate quote from the lender.