Lender profile · HMDA 2023–2025
Vantage West mortgage approval rates & lending data
Vantage West decided 4,346 mortgage applications and funded 2,696 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 441 / 498 | 98% | $305K | 431 |
| Home improvement loans | 75% | 2,536 / 3,390 | 76% | $65K | 1,931 |
| Cash-out refinance | 74% | 189 / 255 | 95% | $165K | 180 |
| Refinance | 78% | 46 / 59 | 98% | $265K | 45 |
| Investment property purchase | 93% | 69 / 74 | 100% | $215K | 69 |
| Investment cash-out refinance | 78% | 25 / 32 | 100% | $215K | 25 |
| Investment home improvement | 35% | 11 / 31 | 82% | $105K | 9 |
Vantage West lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 77% | $65K | 4,320 | 2,680 |
| California | 40% | $255K | 5 | 2 |
| Colorado | 100% | $145K | 2 | 2 |
| Illinois | 100% | $205K | 2 | 2 |
| Ohio | 50% | $295K | 2 | 1 |
| Virginia | 100% | $415K | 2 | 2 |
| Alabama | 100% | $235K | 1 | 1 |
| Florida | 0% | — | 1 | 0 |
| Georgia | 100% | $235K | 1 | 1 |
| Indiana | 100% | $215K | 1 | 1 |
| Iowa | 100% | $195K | 1 | 1 |
| Louisiana | 100% | $675K | 1 | 1 |
| Michigan | 0% | — | 1 | 0 |
| New Mexico | 100% | $405K | 1 | 1 |
| New York | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.