Vantage Credit Union Mortgage Rates, Fees & Info
Bridgeton, MOLEI: 549300E06ZGS1I3URI95
Tax ID: 43-0739854
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Mortgage Data
Review & Overview
Vantage Credit Union is a smaller credit union specializing in Home Improvement, Home Purchase, and Cash Out Refi loans. Vantage Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Kansas City, Farmington, Branson, and Joplin among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Vantage Credit Union has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.84% | 4/19/25 |
| 30 Year Conventional Refi | 6.43% | 4/19/25 |
| 30 Year Cash-out Refi | 6.89% | 4/19/25 |
| 15 Year Conventional Purchase | 6.12% | 4/19/25 |
| 15 Year Conventional Refi | 8.34% | 4/19/25 |
| 15 Year Cash-out Refi | 8.34% | 4/19/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Vantage Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
915Origination Dollar Volume (All Markets)
$110,335,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 877 | $104,015,000 | $118,603 | $0 | 0.00% |
| Outside of Metro Areas | 22 | $4,040,000 | $183,636 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $0 | 0.00% |
| Farmington, MO (FHA|USDA|VA) | 5 | $365,000 | $73,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against VANTAGE Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 915 | $110,335,000 | $120,585 | $0 | 0.00% |
For 2022, Vantage Credit Union's most frequently originated type of loan was Conventional, with 915 originations.
Loan Reason
For 2022, Vantage Credit Union's most frequently cited loan purpose was Home Improvement, with 369 originations. The 2nd most popular reason was Other, with 180 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 915 | $110,335,000 | $120,585 | $0 | 0.00% |
For 2022, Vantage Credit Union's most frequently cited loan duration was Other, with 915 originations.
Loan Sizing
2022 saw Vantage Credit Union place emphasis on $100,000 or less loans with 531 originations, totaling $26,005,000 in origination value.
Applicant Income
Vantage Credit Union lent most frequently to those with incomes in the $100k-150k range, with 245 originations. The second most popular income band? $150k-250k, with 194 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 915 | $110,335,000 | $120,585 | $0 | 0.00% |
Vantage Credit Union lent most frequently to those with DTI ratios of Exempt%, with 915 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.09%
Vantage Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination92.24%
Vantage Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 915 | $110,335,000 | $120,585 |