Applications / Mortgage Analytics / Lenders / Arizona / Vantage West Credit Union
Tucson, AZ · Credit union · NCUA · $3.4 billion assets · 1,288 loans in 2025
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1,288
loans originated, 2025
2,340
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vantage West Credit Union is a Tucson credit union whose lending is mostly home improvement and other-purpose loans, ranking 12 of 489 lenders in its home market.
Home improvement was 43.3% of its loans and other purposes 33.3%; home purchases were 14.6% and refinances 8.8%. Its typical loan was $95,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), and $185,000 five years before. Its typical rate, 7.50% against 7.00%, was higher than at about three-quarters of peers, which this mix of smaller loans may explain.
LMI (low- and moderate-income) areas took 25.6% of its loans, against 15.0%, higher than at nearly all similar lenders, and majority-minority areas 28.3%, against 10.2%. LMI borrowers took 29.1%, near the middle of peers' 27.3%.
Originations rose 12% to 1,288, against 9% for similar lenders and 10% for the whole market, near the middle of its peers. It now makes more loans than in 2020, when it made 1,110. It also bought 33 loans, where the typical peer bought none.
It ranked 12 of 489 lenders in Tucson, its market since before 1990, with an unchanged 2.0%. Its share in Phoenix was 0.1%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vantage West Credit Union took 2,340 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 43.3% · Other 33.3% · Purchase 14.6% · Refinance 8.8%
Conventional 100.0% · of 1,288 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arizona | 1,278 | 99.2% |
| Alabama | 1 | 0.1% |
| Colorado | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Indiana | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
| Maine | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| New Mexico | 1 | 0.1% |
| Ohio | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tucson | 949 |
| Phoenix-Mesa-Chandler | 285 |
| Sierra Vista-Douglas | 19 |
| Prescott Valley-Prescott | 3 |
| Flagstaff | 2 |
| Arlington-Alexandria-Reston | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Daphne-Fairhope-Foley | 1 |
| Dayton-Kettering-Beavercreek | 1 |
| Denver-Aurora-Centennial | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z4HQ7YDKUVEW39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 162980 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510157 | 1990–2005 |
| Respondent ID (the HMDA filer code before 2018) | 568558 | 2006–2017 |
Established 1 January 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Vantage West Credit Union's data.
Vantage West Credit Union's data
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Vantage West Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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