What loan types does VANTAGE Credit Union offer?

VANTAGE Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 68.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is VANTAGE Credit Union?

VANTAGE Credit Union is a Credit Union headquartered in Saint Charles, MO.

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VANTAGE Credit Union

Credit Union•Saint Charles, MOHQ•Wholesale•Reviews near you on Google

VANTAGE Credit Union has 122 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

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Report Card

VANTAGE Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+11.1 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	118	96.7%	+0.118%Above	$1,049Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume118

Mix96.7%

Spread

+0.118%Above

Fees

$1,049Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	90	73.8%	+0.132%Above	$1,045Fees
Refinance	Strong	Sound	Exceptional	Strong	32	26.2%	+0.054%Above	$1,224Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume90

Mix73.8%

Spread

+0.132%Above

Fees

$1,045Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume32

Mix26.2%

Spread

+0.054%Above

Fees

$1,224Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

122

Applications

128

Volume

$40 million

Pricing & Closing

Avg Rate Spread

+0.111%

vs. market APOR

Avg Net Fees

$1,094

Origination − Credits

Pullthrough Rate

95.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$328,115

Avg Borrower Income

$150,451

Avg Property Value

$422,131

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest2

ILMO

Top Metro Areas by Place Specialization Score

St. Louis, MO, MO-ILMetro

Volume 116Mix 95.08% of portfolio

77/100

Strong

Top States by Place Specialization Score

MissouriState

Volume 117Mix 95.90% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.