Vista Point Mortgage in Arizona vs the state
19.0%Denial rate+2.74 pts vs state
19.0%Decision denial rate-1.44 pts vs state
63.8%Origination rate+4.31 pts vs state
7.75%Median rate+1.25 pts vs state
1.08Rate spread (pts)+0.86 pts vs state
$248kMedian applicant income
37Loans originated
11Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 10 | 30.3% | 9.75% | #362 |
| 2024 | 30 | 18 | 13.3% | 8.44% | #358 |
| 2025 | 58 | 37 | 19.0% | 7.75% | #295 |
What Vista Point Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 33 | 22 | 4 | 12.1% |
| Yavapai County | 8 | 5 | 3 | 37.5% |
| Pima County | 6 | 5 | 0 | 0.0% |
| Mohave County | 2 | 1 | 0 | 0.0% |
| Coconino County | 2 | 2 | 0 | 0.0% |
| Pinal County | 2 | 2 | 0 | 0.0% |
| Graham County | 1 | 0 | 1 | 100.0% |
| Santa Cruz County | 1 | 0 | 1 | 100.0% |
| Apache County | 1 | 0 | 0 | 0.0% |
| Cochise County | 1 | 0 | 1 | 100.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 58 applications in 2025, of which 37 were originated and 11 denied.
19.0% of all applications, or 19.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Vista Point Mortgage originated in Arizona in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology