VANTAGE Credit Union
VANTAGE Credit Union received 1,051 applications in 2025 and made 723 mortgages, in 36 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $85,000. Of 1,017 decisions, 256 were denials — 25.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300E06ZGS1I3URI95 |
|---|---|
| Applications received | 1,051 |
| Mortgages made | 723 |
| Denied | 256 |
| Approved, not taken up | 38 |
| Withdrawn or incomplete | 34 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.505 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 113 | 6.125% | $295,000 | 0.9% |
| Refinancing | 181 | 7.250% | $105,000 | 12.4% |
| Cash-out refinancing | 44 | 6.250% | $230,000 | 0.0% |
| Other purposes | 385 | 7.500% | $55,000 | 35.5% |
Where VANTAGE Credit Union lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Louis County, MO | 247 | 7.250% | 30.9% |
| St. Charles County, MO | 232 | 7.250% | 20.6% |
| Jefferson County, MO | 98 | 7.250% | 15.6% |
| Lincoln County, MO | 30 | 7.500% | 23.8% |
| St. Louis city, MO | 21 | 7.250% | 38.9% |
| Warren County, MO | 19 | 7.250% | 24.0% |
| Franklin County, MO | 16 | 7.250% | 35.5% |
| Madison County, IL | 6 | Under 10 loans | 25.0% |
| St. Clair County, IL | 6 | Under 10 loans | 30.0% |
| Ste. Genevieve County, MO | 6 | Under 10 loans | 12.5% |
| Camden County, MO | 5 | Under 10 loans | 16.7% |
| St. Francois County, MO | 5 | Under 10 loans | 37.5% |
| Washington County, MO | 4 | Under 10 loans | 0.0% |
| Monroe County, IL | 3 | Under 10 loans | 25.0% |
| Cape Girardeau County, MO | 3 | Under 10 loans | 0.0% |
| Crawford County, MO | 3 | Under 10 loans | 0.0% |
| Taney County, MO | 3 | Under 10 loans | 0.0% |
| Perry County, MO | 2 | Under 10 loans | 0.0% |
| Pike County, MO | 2 | Under 10 loans | 0.0% |
| Clinton County, IL | 1 | Under 10 loans | 0.0% |
| Macoupin County, IL | 1 | Under 10 loans | 0.0% |
| Bollinger County, MO | 1 | Under 10 loans | 0.0% |
| Boone County, MO | 1 | Under 10 loans | 0.0% |
| Cole County, MO | 1 | Under 10 loans | 0.0% |
| Iron County, MO | 1 | Under 10 loans | 0.0% |
| Laclede County, MO | 1 | Under 10 loans | 0.0% |
| Marion County, MO | 1 | Under 10 loans | 0.0% |
| Montgomery County, MO | 1 | Under 10 loans | 50.0% |
| Phelps County, MO | 1 | Under 10 loans | 0.0% |
| Stoddard County, MO | 1 | Under 10 loans | 0.0% |
| Stone County, MO | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 0 | Under 10 loans | 100.0% |
| Johnson County, KS | 0 | Under 10 loans | 100.0% |
| Adair County, MO | 0 | Under 10 loans | 100.0% |
| Jackson County, MO | 0 | Under 10 loans | 100.0% |
| Mercer County, MO | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.