Vista Point Mortgage in New Jersey vs the state
45.2%Denial rate+27.47 pts vs state
50.0%Decision denial rate+26.95 pts vs state
38.7%Origination rate-16.97 pts vs state
8.88%Median rate+2.13 pts vs state
2.33Rate spread (pts)+2.05 pts vs state
$388kMedian applicant income
12Loans originated
14Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 3 | 28.6% | 12.50% | #564 |
| 2024 | 13 | 8 | 7.7% | 8.88% | #500 |
| 2025 | 31 | 12 | 45.2% | 8.88% | #396 |
What Vista Point Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 6 | 1 | 5 | 83.3% |
| Middlesex County | 5 | 2 | 2 | 40.0% |
| Bergen County | 5 | 2 | 3 | 60.0% |
| Hudson County | 3 | 2 | 0 | 0.0% |
| Ocean County | 3 | 1 | 1 | 33.3% |
| Sussex County | 2 | 1 | 0 | 0.0% |
| Mercer County | 2 | 1 | 1 | 50.0% |
| Gloucester County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 0 | 1 | 100.0% |
| Atlantic County | 1 | 1 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 31 applications in 2025, of which 12 were originated and 14 denied.
45.2% of all applications, or 50.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Vista Point Mortgage originated in New Jersey in 2025 was 8.88%, against a statewide median of 6.75%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology