Vantage Bank Texas at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
48th10.2% deniedProcesswithdrawn + incomplete share, weight 15%
68th7.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 350 | 256 | 9.7% | 10.5% | — | $141M |
| 2024 | 358 | 257 | 11.2% | 12.0% | — | $157M |
| 2025 | 383 | 285 | 9.4% | 10.2% | — | $167M |
What Vantage Bank Texas lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 46 investment properties.
Why Vantage Bank Texas denies applications
Primary reason reported for each of the 36 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Vantage Bank Texas
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 10 | 54.6% |
| $50k – $100k | 85 | 60 | 14.3% |
| $100k – $150k | 46 | 35 | 5.0% |
| $150k – $250k | 65 | 51 | 5.2% |
| Over $250k | 139 | 110 | 3.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 68 | 57 | 6.6% |
| 35–44 | 103 | 80 | 6.3% |
| 45–54 | 82 | 57 | 12.5% |
| 55–64 | 65 | 41 | 19.4% |
| 65–74 | 25 | 17 | 8.7% |
Where Vantage Bank Texas lends
6 states and 43 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 376 | 278 | 9.6% | — | #310 |
Frequently asked questions
Vantage Bank Texas denied 10.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 48th percentile of small mortgage lenders.
The most common reason Vantage Bank Texas gave in 2025 was "debt-to-income ratio", cited on 72.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 80% of its applications were for home purchases, 13% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.