Vista Point Mortgage in Pennsylvania vs the state
21.6%Denial rate+3.33 pts vs state
22.2%Decision denial rate+0.01 pts vs state
62.2%Origination rate+1.20 pts vs state
7.75%Median rate+1.13 pts vs state
2.35Rate spread (pts)+2.11 pts vs state
$204kMedian applicant income
23Loans originated
8Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 3 | 16.7% | 8.50% | #774 |
| 2024 | 13 | 5 | 15.4% | 8.50% | #661 |
| 2025 | 37 | 23 | 21.6% | 7.75% | #521 |
What Vista Point Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 5 | 3 | 1 | 20.0% |
| Allegheny County | 4 | 3 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
| Chester County | 3 | 0 | 0 | 0.0% |
| Luzerne County | 3 | 2 | 1 | 33.3% |
| Delaware County | 3 | 3 | 0 | 0.0% |
| Lehigh County | 3 | 3 | 0 | 0.0% |
| Pike County | 2 | 1 | 1 | 50.0% |
| Monroe County | 2 | 2 | 0 | 0.0% |
| Blair County | 2 | 0 | 2 | 100.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 37 applications in 2025, of which 23 were originated and 8 denied.
21.6% of all applications, or 22.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Vista Point Mortgage originated in Pennsylvania in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology