# VANTAGE Credit Union

> **Canonical URL:** https://saferate.com/lenders/vantage-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


VANTAGE Credit Union is a credit union, headquartered in Saint Charles, MO, serving borrowers across 2 states, with 122 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300E06ZGS1I3URI95
- **Headquarters:** Saint Charles, MO
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IL, MO
- **Markets (MSAs):** 1
- **Primary Channel:** wholesale
- **Direct Origination:** 12.5%
- **Brokered/Wholesale:** 87.5%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.111%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,094
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 122
- **Dollar Volume:** $40 million
- **Applications Received:** 128
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $328,115
- **Average Borrower Income:** $150,451
- **Average Property Value:** $422,131

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 118 | +0.118% | $1,049 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 86 loans, Score: 35/100 (Acceptable)
- Refinance: 32 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 90 | $33M | +0.132% | Acceptable 🙂 |
| Refinance | 40/100 | 32 | $8M | +0.054% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 117 | 0.16% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 116 | 77/100 |

## Where This Lender Ranks

VANTAGE Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in St. Louis, MO Credit Unions
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in St. Louis, MO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does VANTAGE Credit Union offer?

VANTAGE Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VANTAGE Credit Union offer mortgages?

VANTAGE Credit Union offers mortgages in 2 states: IL, MO.

### How competitive are VANTAGE Credit Union's mortgage rates?

VANTAGE Credit Union has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.111% above market average.

### What type of lender is VANTAGE Credit Union?

VANTAGE Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Saint Charles, MO.

### What is VANTAGE Credit Union's loan approval success rate?

VANTAGE Credit Union has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/vantage-credit-union

### How to Cite

> "VANTAGE Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vantage-credit-union

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