Vista Point 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
9th22.4% deniedPricingmedian rate spread over APOR, weight 30%
15th1.89 ptsProcesswithdrawn + incomplete share, weight 15%
36th8.0%Closing coststotal loan costs ÷ loan amount, weight 10%
50th3.51% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 984 | 434 | 23.9% | 30.0% | 9.50% | $172M |
| 2024 | 1,464 | 901 | 13.3% | 15.1% | 8.63% | $428M |
| 2025 | 3,372 | 2,086 | 20.6% | 22.4% | 7.75% | $1.0B |
What Vista Point 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, 0 manufactured homes, 1,701 investment properties.
Why Vista Point Mortgage denies applications
Primary reason reported for each of the 696 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Vista Point Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 152 | 73 | 33.6% |
| $100k – $150k | 266 | 157 | 22.4% |
| $150k – $250k | 434 | 272 | 22.5% |
| Over $250k | 1,253 | 823 | 17.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 35 | 19 | 35.3% |
| 25–34 | 321 | 204 | 23.2% |
| 35–44 | 911 | 578 | 22.4% |
| 45–54 | 956 | 622 | 19.0% |
| 55–64 | 760 | 462 | 21.6% |
| 65–74 | 299 | 155 | 30.8% |
| Over 74 | 90 | 46 | 32.1% |
Where Vista Point Mortgage lends
48 states and 454 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,624 | 1,029 | 19.3% | 8.25% | #124 |
| Florida | 626 | 372 | 22.7% | 7.56% | #213 |
| Texas | 211 | 130 | 21.8% | 7.38% | #407 |
| Georgia | 116 | 83 | 11.2% | 7.38% | #317 |
| North Carolina | 64 | 36 | 26.6% | 7.63% | #367 |
| Washington | 59 | 40 | 17.0% | 8.50% | #282 |
| Arizona | 58 | 37 | 19.0% | 7.75% | #295 |
| Michigan | 51 | 31 | 27.5% | 7.88% | #350 |
| Illinois | 42 | 26 | 28.6% | 7.63% | #480 |
| Indiana | 41 | 20 | 34.2% | 7.75% | #374 |
| Colorado | 40 | 24 | 12.5% | 8.00% | #329 |
| Tennessee | 38 | 27 | 15.8% | 7.25% | #454 |
| Pennsylvania | 37 | 23 | 21.6% | 7.75% | #521 |
| Ohio | 34 | 26 | 5.9% | 7.43% | #457 |
| New Jersey | 31 | 12 | 45.2% | 8.88% | #396 |
| South Carolina | 29 | 18 | 24.1% | 7.87% | #401 |
| Virginia | 25 | 8 | 36.0% | 7.19% | #463 |
| Nevada | 18 | 13 | 11.1% | 7.50% | #283 |
| Alabama | 17 | 10 | 23.5% | 7.81% | #410 |
| Maryland | 17 | 8 | 29.4% | 7.69% | #422 |
| Massachusetts | 16 | 12 | 6.3% | 8.75% | #433 |
| Missouri | 16 | 9 | 31.3% | 7.25% | #462 |
| Oregon | 16 | 10 | 12.5% | 7.19% | #315 |
| Wisconsin | 15 | 6 | 33.3% | 7.50% | #448 |
| Connecticut | 13 | 12 | 7.7% | 8.50% | #346 |
| New Hampshire | 13 | 8 | 23.1% | 7.63% | #233 |
| Utah | 11 | 4 | 27.3% | 7.50% | #280 |
| Hawaii | 9 | 4 | 33.3% | 8.19% | #171 |
| New Mexico | 9 | 6 | 22.2% | 7.44% | #266 |
| Minnesota | 8 | 2 | 25.0% | 7.13% | #485 |
| Idaho | 7 | 5 | 14.3% | 7.25% | #299 |
| Louisiana | 7 | 5 | 28.6% | 8.50% | #408 |
| Montana | 7 | 1 | 57.1% | 6.75% | #212 |
| Oklahoma | 7 | 4 | 42.9% | 7.75% | #447 |
| Alaska | 6 | 6 | 0.0% | 9.63% | #126 |
| Arkansas | 6 | 6 | 0.0% | 6.56% | #389 |
Frequently asked questions
Vista Point Mortgage denied 22.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 9th percentile of investment-property lenders.
The most common reason Vista Point Mortgage gave in 2025 was "unverifiable information", cited on 36.9% 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 Vista Point Mortgage originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 1.89 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 24% of its applications were for home purchases, 74% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.