What loan types does Vantage West offer?

Vantage West offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 54.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Vantage West?

Vantage West is a Credit Union headquartered in Tuscon, AZ.

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Vantage West

Credit Union•Tuscon, AZHQ•Direct•Reviews near you on Google

Vantage West has 222 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 2 mkts

Explore another lender or local market

Report Card

Vantage West performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 8.9 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 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	Sound	Sound	Sound	210	94.6%	-0.080%Below	$1,616Fees
Jumbo Loans	Strong	Strong	—	—	12	5.4%	-0.209%Below	$513Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume210

Mix94.6%

Spread

-0.080%Below

Fees

$1,616Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume12

Mix5.4%

Spread

-0.209%Below

Fees

$513Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	164	73.9%	-0.093%Below	$1,498Fees
Refinance	Sound	Sound	Strong	Sound	58	26.1%	-0.075%Below	$1,688Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume164

Mix73.9%

Spread

-0.093%Below

Fees

$1,498Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume58

Mix26.1%

Spread

-0.075%Below

Fees

$1,688Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

222

Applications

366

Volume

$77 million

Pricing & Closing

Avg Rate Spread

-0.089%

vs. market APOR

Avg Net Fees

$1,545

Origination − Credits

Pullthrough Rate

60.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$349,234

Avg Borrower Income

$148,950

Avg Property Value

$466,216

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

Midwest3

IAILMO

West4

AZCACOUT

Top Metro Areas by Place Specialization Score

Tucson, AZMetro

Volume 166Mix 74.77% of portfolio

82/100

Exceptional

Phoenix, AZMetro

Volume 34Mix 15.32% of portfolio

56/100

Sound

Top States by Place Specialization Score

ArizonaState

Volume 216Mix 97.30% of portfolio

76/100

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.