Vista Point Mortgage in Colorado vs the state
12.5%Denial rate-3.13 pts vs state
14.7%Decision denial rate-4.95 pts vs state
60.0%Origination rate-0.02 pts vs state
8.00%Median rate+1.38 pts vs state
1.56Rate spread (pts)+1.41 pts vs state
$420kMedian applicant income
24Loans originated
5Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 5 | 40.0% | 10.75% | #396 |
| 2024 | 23 | 14 | 8.7% | 7.88% | #383 |
| 2025 | 40 | 24 | 12.5% | 8.00% | #329 |
What Vista Point Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 7 | 3 | 2 | 28.6% |
| Pueblo County | 5 | 1 | 0 | 0.0% |
| Douglas County | 4 | 2 | 1 | 25.0% |
| Weld County | 4 | 4 | 0 | 0.0% |
| Jefferson County | 4 | 2 | 1 | 25.0% |
| Larimer County | 3 | 3 | 0 | 0.0% |
| Adams County | 3 | 3 | 0 | 0.0% |
| Denver County | 3 | 3 | 0 | 0.0% |
| El Paso County | 2 | 1 | 1 | 50.0% |
| Pitkin County | 1 | 0 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 40 applications in 2025, of which 24 were originated and 5 denied.
12.5% of all applications, or 14.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Vista Point Mortgage originated in Colorado in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology