Vista Point Mortgage in Idaho vs the state
14.3%Denial rate-0.16 pts vs state
14.3%Decision denial rate-3.23 pts vs state
71.4%Origination rate+8.41 pts vs state
7.25%Median rate+0.63 pts vs state
1.68Rate spread (pts)+1.52 pts vs state
$492kMedian applicant income
5Loans originated
1Denied
What Vista Point Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 3 | 1 | 1 | 33.3% |
| Kootenai County | 1 | 1 | 0 | 0.0% |
| Bonneville County | 1 | 1 | 0 | 0.0% |
| Canyon County | 1 | 1 | 0 | 0.0% |
| Valley County | 1 | 1 | 0 | 0.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 7 applications in 2025, of which 5 were originated and 1 denied.
14.3% of all applications, or 14.3% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Vista Point Mortgage originated in Idaho in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology