VANTAGE Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
14th25.2% deniedPricingmedian rate spread over APOR, weight 30%
20th0.51 ptsProcesswithdrawn + incomplete share, weight 15%
96th3.2%Closing coststotal loan costs ÷ loan amount, weight 10%
5th4.72% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,102 | 701 | 27.7% | 29.1% | 7.75% | $90M |
| 2024 | 746 | 462 | 31.4% | 32.3% | 8.25% | $66M |
| 2025 | 1,051 | 723 | 24.4% | 25.2% | 7.25% | $103M |
What VANTAGE Credit Union 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: 457 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why VANTAGE Credit Union denies applications
Primary reason reported for each of the 256 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at VANTAGE Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 100 | 41 | 55.2% |
| $50k – $100k | 333 | 190 | 35.3% |
| $100k – $150k | 276 | 212 | 17.0% |
| $150k – $250k | 241 | 194 | 14.0% |
| Over $250k | 90 | 77 | 11.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 110 | 79 | 24.1% |
| 35–44 | 245 | 164 | 24.4% |
| 45–54 | 249 | 177 | 24.8% |
| 55–64 | 229 | 157 | 25.6% |
| 65–74 | 158 | 107 | 25.0% |
| Over 74 | 47 | 31 | 31.1% |
Where VANTAGE Credit Union lends
4 states and 36 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
VANTAGE Credit Union denied 25.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of mid-size mortgage lenders.
The most common reason VANTAGE Credit Union gave in 2025 was "debt-to-income ratio", cited on 41.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans VANTAGE Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.51 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 11% of its applications were for home purchases, 25% for refinancing (including cash-out), and 64% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.