VANTAGE Credit Union mortgage approval rate & lending review
VANTAGE Credit Union decided 1,100 mortgage applications and funded 839 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions VANTAGE Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
VANTAGE Credit Union at a glance
Approval is 9.5 points above the 70.7% 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 | 100% | 226 / 227 | 100% | $375K | 226 |
| Home improvement loans | 72% | 431 / 595 | 93% | $55K | 400 |
| Cash-out refinance | 100% | 43 / 43 | 100% | $275K | 43 |
| Refinance | 81% | 178 / 219 | 94% | $105K | 168 |
VANTAGE Credit Union lending by state
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 Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Charles County, MO | Home improvement loans | 80% | 311 | 236 |
| St. Charles County, MO | Mortgage lenders | 99% | 121 | 120 |
| St. Charles County, MO | Refinance | 85% | 132 | 105 |
| Jefferson County, MO | Home improvement loans | 73% | 125 | 82 |
| Jefferson County, MO | Refinance | 82% | 50 | 41 |
| Jefferson County, MO | Mortgage lenders | 100% | 35 | 35 |
| St. Louis County, MO | Home improvement loans | 59% | 54 | 29 |
| St. Louis city, MO | Home improvement loans | 59% | 54 | 29 |
| St. Charles County, MO | Cash-out refinance | 100% | 27 | 27 |
| Franklin County, MO | Home improvement loans | 69% | 26 | 16 |
The county markets where VANTAGE Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about VANTAGE Credit Union
What is VANTAGE Credit Union's mortgage approval rate?
VANTAGE Credit Union approved 80.2% of the 1,100 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.5 points above the 70.7% national rate for the same mix of loan types.
How often do borrowers take the loan VANTAGE Credit Union offers?
Borrowers accepted 95% of the loans VANTAGE Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does VANTAGE Credit Union make?
The typical home improvement loan loan VANTAGE Credit Union made was $55K; across all loan types its typical loan ran from $55K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does VANTAGE Credit Union lend?
VANTAGE Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Florida.
Can I apply to VANTAGE Credit Union directly?
Yes. VANTAGE Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show VANTAGE Credit Union'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 Credit Union treats applications, then get a rate quote from the lender.