Vision One Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
15th22.5% deniedPricingmedian rate spread over APOR, weight 30%
18th0.75 ptsProcesswithdrawn + incomplete share, weight 15%
51st11.4%Closing coststotal loan costs ÷ loan amount, weight 10%
29th2.50% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 325 | 230 | 25.2% | 26.3% | 6.63% | $112M |
| 2024 | 255 | 146 | 26.7% | 31.8% | 6.63% | $74M |
| 2025 | 281 | 193 | 19.9% | 22.5% | 6.75% | $112M |
What Vision One Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 22 investment properties.
Why Vision One Mortgage denies applications
Primary reason reported for each of the 56 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Vision One Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 40 | 27 | 22.9% |
| $100k – $150k | 100 | 79 | 16.0% |
| $150k – $250k | 88 | 63 | 22.2% |
| Over $250k | 33 | 20 | 13.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 57 | 38 | 22.5% |
| 35–44 | 78 | 57 | 19.7% |
| 45–54 | 67 | 45 | 22.4% |
| 55–64 | 45 | 34 | 17.1% |
Where Vision One Mortgage lends
4 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 261 | 179 | 20.3% | 6.63% | #331 |
| Texas | 14 | 10 | 21.4% | 7.00% | #918 |
Frequently asked questions
Vision One Mortgage denied 22.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
The most common reason Vision One Mortgage gave in 2025 was "other", cited on 76.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Vision One Mortgage originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.75 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 35% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 47% conventional, 52% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.