Vista Point Mortgage in California vs the state
19.3%Denial rate+1.85 pts vs state
21.1%Decision denial rate-1.35 pts vs state
63.4%Origination rate+7.16 pts vs state
8.25%Median rate+1.63 pts vs state
2.02Rate spread (pts)+1.75 pts vs state
$322kMedian applicant income
1,029Loans originated
313Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 558 | 248 | 22.8% | 9.88% | #208 |
| 2024 | 861 | 536 | 12.9% | 8.99% | #176 |
| 2025 | 1,624 | 1,029 | 19.3% | 8.25% | #124 |
What Vista Point Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 718 | 448 | 142 | 19.8% |
| Orange County | 220 | 164 | 29 | 13.2% |
| San Diego County | 143 | 100 | 27 | 18.9% |
| Riverside County | 131 | 79 | 25 | 19.1% |
| San Bernardino County | 71 | 41 | 13 | 18.3% |
| Santa Clara County | 39 | 24 | 8 | 20.5% |
| Ventura County | 33 | 18 | 6 | 18.2% |
| Alameda County | 31 | 17 | 6 | 19.4% |
| Contra Costa County | 30 | 19 | 6 | 20.0% |
| Sacramento County | 26 | 15 | 8 | 30.8% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,624 applications in 2025, of which 1,029 were originated and 313 denied.
19.3% of all applications, or 21.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Vista Point Mortgage originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology