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 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: Houston, Dallas, San Antonio, Mcallen, and Austin among others. We have data for 29 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
346Origination Dollar Volume (All Markets)
$159,010,000Top 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 102 | $46,090,000 | $451,863 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 30 | $29,650,000 | $988,333 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 57 | $26,415,000 | $463,421 | $0 | 0.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 54 | $14,950,000 | $276,852 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 17 | $8,705,000 | $512,059 | $0 | 0.00% |
| EL PASO, TX (FHA|USDA|VA) | 28 | $8,500,000 | $303,571 | $0 | 0.00% |
| LAREDO, TX (FHA|USDA|VA) | 20 | $4,810,000 | $240,500 | $0 | 0.00% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $3,220,000 | $1,610,000 | $0 | 0.00% |
| Outside of Metro Areas | 6 | $3,030,000 | $505,000 | $0 | 0.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 8 | $2,920,000 | $365,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $1,665,000 | $1,665,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $1,645,000 | $1,645,000 | $0 | 0.00% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $0 | 0.00% |
| Eagle Pass, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 0.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 0.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 341 | $157,675,000 | $462,390 | $0 | 0.00% |
| FHA | 5 | $1,335,000 | $267,000 | $0 | 0.00% |
For 2022, Vantage Bank Texas's most frequently originated type of loan was Conventional, with 341 originations. Their 2nd most popular type was FHA, with 5 originations.
Loan Reason
For 2022, Vantage Bank Texas's most frequently cited loan purpose was Home Purchase, with 297 originations. The 2nd most popular reason was Refi, with 21 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 346 | $159,010,000 | $459,566 | $0 | 0.00% |
For 2022, Vantage Bank Texas's most frequently cited loan duration was Other, with 346 originations.
Loan Sizing
2022 saw Vantage Bank Texas place emphasis on $200k-400k loans with 149 originations, totaling $42,595,000 in origination value.
Applicant Income
Vantage Bank Texas lent most frequently to those with incomes in the $250k+ range, with 118 originations. The second most popular income band? $150k-250k, with 71 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 346 | $159,010,000 | $459,566 | $0 | 0.00% |
Vantage Bank Texas lent most frequently to those with DTI ratios of Exempt%, with 346 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.80%
Vantage Bank Texas has an average approval rate.
Pick Rate
Approvals leading to origination75.14%
Vantage Bank Texas has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 346 | $159,010,000 | $459,566 |