Vantage West mortgage approval rate & lending review
Vantage West decided 4,346 mortgage applications and funded 2,696 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Vantage West reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Vantage West at a glance
Approval is 10.0 points above the 66.5% 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 | 89% | 441 / 498 | 98% | $305K | 431 |
| Home improvement loans | 75% | 2,536 / 3,390 | 76% | $65K | 1,931 |
| Cash-out refinance | 74% | 189 / 255 | 95% | $165K | 180 |
| Refinance | 78% | 46 / 59 | 98% | $265K | 45 |
| Investment property purchase | 93% | 69 / 74 | 100% | $215K | 69 |
| Investment cash-out refinance | 78% | 25 / 32 | 100% | $215K | 25 |
| Investment home improvement | 35% | 11 / 31 | 82% | $105K | 9 |
Vantage West lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 77% | $65K | 4,320 | 2,680 |
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 West lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pima County, AZ | Home improvement loans | 76% | 2,462 | 1,427 |
| Pima County, AZ | Mortgage lenders | 90% | 361 | 317 |
| Maricopa County, AZ | Home improvement loans | 72% | 554 | 304 |
| Pinal County, AZ | Home improvement loans | 74% | 278 | 160 |
| Pima County, AZ | Cash-out refinance | 73% | 191 | 134 |
| Pima County, AZ | Investment property purchase | 98% | 45 | 44 |
| Cochise County, AZ | Home improvement loans | 68% | 65 | 28 |
| Pima County, AZ | Refinance | 68% | 38 | 26 |
| Pima County, AZ | Investment home improvement | 38% | 24 | 8 |
The county markets where Vantage West made the most loans. Each link opens that market with every lender ranked.
Questions about Vantage West
What is Vantage West's mortgage approval rate?
Vantage West approved 76.5% of the 4,346 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.0 points above the 66.5% national rate for the same mix of loan types.
How often do borrowers take the loan Vantage West offers?
Borrowers accepted 81% of the loans Vantage West 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 West make?
The typical home improvement loan loan Vantage West made was $65K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Vantage West lend?
Vantage West decided applications in 19 of the states Fat Boy Data covers, most of them in Arizona, California and Colorado.
Can I apply to Vantage West directly?
Yes. Vantage West is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Vantage West'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 West treats applications, then get a rate quote from the lender.