Vista Point Mortgage in Florida vs the state
22.7%Denial rate+1.62 pts vs state
24.0%Decision denial rate-3.29 pts vs state
59.4%Origination rate+6.73 pts vs state
7.56%Median rate+0.94 pts vs state
1.50Rate spread (pts)+1.23 pts vs state
$247kMedian applicant income
372Loans originated
142Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 69 | 25.9% | 9.99% | #430 |
| 2024 | 237 | 142 | 13.1% | 8.00% | #355 |
| 2025 | 626 | 372 | 22.7% | 7.56% | #213 |
What Vista Point Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 141 | 79 | 41 | 29.1% |
| Broward County | 73 | 39 | 21 | 28.8% |
| Pinellas County | 41 | 21 | 10 | 24.4% |
| Hillsborough County | 40 | 16 | 10 | 25.0% |
| Palm Beach County | 39 | 28 | 7 | 17.9% |
| Lee County | 25 | 19 | 3 | 12.0% |
| Orange County | 25 | 15 | 4 | 16.0% |
| Manatee County | 22 | 18 | 1 | 4.5% |
| Sarasota County | 19 | 13 | 3 | 15.8% |
| Citrus County | 17 | 11 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 626 applications in 2025, of which 372 were originated and 142 denied.
22.7% of all applications, or 24.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Vista Point Mortgage originated in Florida in 2025 was 7.56%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology