Vista Point Mortgage in Michigan vs the state
27.5%Denial rate+8.93 pts vs state
29.8%Decision denial rate+7.21 pts vs state
60.8%Origination rate+0.89 pts vs state
7.88%Median rate+1.13 pts vs state
2.11Rate spread (pts)+1.71 pts vs state
$163kMedian applicant income
31Loans originated
14Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 14 | 8 | 0.0% | 8.69% | #460 |
| 2025 | 51 | 31 | 27.5% | 7.88% | #350 |
What Vista Point Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macomb County | 22 | 14 | 4 | 18.2% |
| Wayne County | 10 | 4 | 5 | 50.0% |
| Oakland County | 9 | 7 | 1 | 11.1% |
| Washtenaw County | 3 | 2 | 1 | 33.3% |
| Kalamazoo County | 2 | 2 | 0 | 0.0% |
| Monroe County | 1 | 0 | 1 | 100.0% |
| Genesee County | 1 | 0 | 1 | 100.0% |
| Berrien County | 1 | 0 | 1 | 100.0% |
| Allegan County | 1 | 1 | 0 | 0.0% |
| Grand Traverse County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 51 applications in 2025, of which 31 were originated and 14 denied.
27.5% of all applications, or 29.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Vista Point Mortgage originated in Michigan in 2025 was 7.88%, against a statewide median of 6.75%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology