Vista Point Mortgage in Illinois vs the state
28.6%Denial rate+11.45 pts vs state
30.0%Decision denial rate+8.32 pts vs state
61.9%Origination rate+3.16 pts vs state
7.63%Median rate+0.88 pts vs state
1.99Rate spread (pts)+1.61 pts vs state
$198kMedian applicant income
26Loans originated
12Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 6 | 12.5% | 8.56% | #695 |
| 2025 | 42 | 26 | 28.6% | 7.63% | #480 |
What Vista Point Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 24 | 15 | 6 | 25.0% |
| Will County | 4 | 3 | 1 | 25.0% |
| DuPage County | 4 | 1 | 2 | 50.0% |
| Kane County | 2 | 1 | 1 | 50.0% |
| Madison County | 2 | 2 | 0 | 0.0% |
| Lake County | 2 | 1 | 1 | 50.0% |
| Winnebago County | 2 | 2 | 0 | 0.0% |
| St. Clair County | 1 | 1 | 0 | 0.0% |
| Jo Daviess County | 1 | 0 | 1 | 100.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 42 applications in 2025, of which 26 were originated and 12 denied.
28.6% of all applications, or 30.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Vista Point Mortgage originated in Illinois in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology