Applications / Mortgage Analytics / Lenders / Missouri / Vantage Credit Union
Saint Charles, MO · Credit union · NCUA · $1.1 billion assets · 723 loans in 2025
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723
loans originated, 2025
1,051
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vantage Credit Union is a Missouri credit union whose lending is mostly home-improvement and refinance loans, and its originations rose 56% to 723 in 2025, faster than about nine in ten similar lenders.
Originations rose 56%, against 7% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. The rise follows a fall to 462 in 2024 from 915 in 2022; it made 727 loans five years before. Its record moves sharply year to year.
Home improvement was 33.6% of its originations, refinance 31.1%, other purposes 19.6% and purchase 15.6%. Its typical loan, $85,000, was smaller than at more than four in five peers, against $105,000. All its loans were conventional, and none was jumbo.
In St. Louis, its largest market, it ranked 41 of 637, and its share rose 0.2 points to 0.6%; it has lent there since before 1990. Guild Mortgage Company and United Wholesale Mortgage led that market.
LMI (low- and moderate-income) borrowers took 24.2% of its loans, against 27.6% at peers, and LMI areas 13.0%, against 15.1%. Possible reasons are its mix of home-improvement and refinance loans and where in its markets it lends. Majority-minority areas took 9.3%, near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Credit Union took 1,051 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.6% · Refinance 31.1% · Other 19.6% · Purchase 15.6%
Conventional 100.0% · of 723 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 |
|---|---|---|
| Missouri | 706 | 97.6% |
| Illinois | 17 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 680 |
| Cape Girardeau | 4 |
| Columbia | 1 |
| Jefferson City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E06ZGS1I3URI95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 442691 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567804 | 1992–2017 |
Established 1 January 1957. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Vantage Credit Union's data.
Vantage Credit Union's data
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Vantage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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