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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

VANTAGE Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+11.1 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

118 loans · 0.12% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

90 loans · 0.13% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

32 loans · 0.05% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

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

2Full-year 2024 · HMDA

Loans originated

< 100100+None

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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.