# VANTAGE WEST

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


> **📋 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 WEST is a credit union, headquartered in Tuscon, AZ, serving borrowers across 7 states, with 222 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% 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):** 549300Z4HQ7YDKUVEW39
- **Headquarters:** Tuscon, AZ
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AZ, CA, CO, IA, IL, MO, UT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.6%
- **Brokered/Wholesale:** 1.4%

## Safe Rate Ratings

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

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

### Pricing Details
- **Average Rate Spread:** -0.089%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,545
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 222
- **Dollar Volume:** $78 million
- **Applications Received:** 366
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $349,234
- **Average Borrower Income:** $148,950
- **Average Property Value:** $466,216

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 210 | -0.080% | $1,616 | Sound ☺️ |
| Jumbo | 61/100 | 12 | -0.209% | $513 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 153 loans, Score: 51/100 (Sound)
- Refinance: 57 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 164 | $63M | -0.093% | Sound ☺️ |
| Refinance | 56/100 | 58 | $14M | -0.075% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 216 | 0.22% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tucson, AZ | AZ | 166 | 82/100 |
| Phoenix | AZ | 34 | 56/100 |

## Where This Lender Ranks

VANTAGE WEST appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Tucson, AZ for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Arizona Credit Unions
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Arizona for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Tucson, AZ Credit Unions
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Tucson, AZ for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Arizona for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Tucson, AZ for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in Tucson, AZ
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does VANTAGE WEST offer?

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

### Where does VANTAGE WEST offer mortgages?

VANTAGE WEST offers mortgages in 7 states: AZ, CA, CO, IA, IL, MO, UT.

### How competitive are VANTAGE WEST's mortgage rates?

VANTAGE WEST has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.089% below market average.

### What type of lender is VANTAGE WEST?

VANTAGE WEST is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Tuscon, AZ.

### What is VANTAGE WEST's loan approval success rate?

VANTAGE WEST 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-west

### How to Cite

> "VANTAGE WEST Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vantage-west

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