VANTAGE Credit Union in Missouri vs the state
24.2%Denial rate+9.15 pts vs state
25.0%Decision denial rate+6.33 pts vs state
69.0%Origination rate+6.29 pts vs state
7.25%Median rate+0.63 pts vs state
0.51Rate spread (pts)+0.16 pts vs state
$115kMedian applicant income
706Loans originated
248Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,070 | 692 | 26.5% | 7.75% | #40 |
| 2024 | 722 | 450 | 31.0% | 8.25% | #67 |
| 2025 | 1,024 | 706 | 24.2% | 7.25% | #50 |
What VANTAGE Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most VANTAGE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 391 | 247 | 116 | 29.7% |
| St. Charles County | 319 | 232 | 63 | 19.7% |
| Jefferson County | 125 | 98 | 19 | 15.2% |
| Lincoln County | 42 | 30 | 10 | 23.8% |
| St. Louis city | 36 | 21 | 14 | 38.9% |
| Franklin County | 31 | 16 | 11 | 35.5% |
| Warren County | 26 | 19 | 6 | 23.1% |
| Ste. Genevieve County | 8 | 6 | 1 | 12.5% |
| St. Francois County | 8 | 5 | 3 | 37.5% |
| Camden County | 6 | 5 | 1 | 16.7% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 1,024 applications in 2025, of which 706 were originated and 248 denied.
24.2% of all applications, or 25.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans VANTAGE Credit Union originated in Missouri in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are VANTAGE Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology