Vantage Bank Texas Mortgage Rates, Fees & Info
San Antonio, TXLEI: 549300PG87MHQ7H4CO08
Tax ID: 74-0856797
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Mortgage Data
Review & Overview
Vantage Bank Texas is a smaller bank specializing in Home Purchase loans. Vantage Bank Texas has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dallas, Houston, San Antonio, Mcallen, and Austin among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)Vantage Bank Texas has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
256Origination Dollar Volume (All Markets)
$140,580,000Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 66 | $45,470,000 | $688,939 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 57 | $27,145,000 | $476,228 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 44 | $17,900,000 | $406,818 | $0 | 0.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 34 | $16,510,000 | $485,588 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 9 | $5,395,000 | $599,444 | $0 | 0.00% |
| Outside of Metro Areas | 6 | $4,270,000 | $711,667 | $0 | 0.00% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 1 | $3,555,000 | $3,555,000 | $0 | 0.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $2,500,000 | $1,250,000 | $0 | 0.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 8 | $2,310,000 | $288,750 | $0 | 0.00% |
| LAREDO, TX (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $0 | 0.00% |
| EL PASO, TX (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $1,685,000 | $1,685,000 | $0 | 0.00% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $0 | 0.00% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $0 | 0.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 0.00% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 0.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 250 | $139,180,000 | $556,720 | $0 | 0.00% |
| FHA | 6 | $1,400,000 | $233,333 | $0 | 0.00% |
For 2023, Vantage Bank Texas's most frequently originated type of loan was Conventional, with 250 originations. Their 2nd most popular type was FHA, with 6 originations.
Loan Reason
For 2023, Vantage Bank Texas's most frequently cited loan purpose was Home Purchase, with 228 originations. The 2nd most popular reason was Other, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 256 | $140,580,000 | $549,141 | $0 | 0.00% |
For 2023, Vantage Bank Texas's most frequently cited loan duration was Other, with 256 originations.
Loan Sizing
2023 saw Vantage Bank Texas place emphasis on $200k-400k loans with 94 originations, totaling $27,260,000 in origination value.
Applicant Income
Vantage Bank Texas lent most frequently to those with incomes in the $250k+ range, with 126 originations. The second most popular income band? $150k-250k, with 53 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 256 | $140,580,000 | $549,141 | $0 | 0.00% |
Vantage Bank Texas lent most frequently to those with DTI ratios of Exempt%, with 256 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.79%
Vantage Bank Texas has an average approval rate.
Pick Rate
Approvals leading to origination76.56%
Vantage Bank Texas has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 256 | $140,580,000 | $549,141 |