Vista Point Mortgage in Texas vs the state
21.8%Denial rate+2.37 pts vs state
24.3%Decision denial rate-0.56 pts vs state
61.6%Origination rate+6.73 pts vs state
7.38%Median rate+0.88 pts vs state
1.05Rate spread (pts)+0.86 pts vs state
$331kMedian applicant income
130Loans originated
46Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 20 | 17.7% | 7.94% | #789 |
| 2024 | 77 | 54 | 13.0% | 7.69% | #602 |
| 2025 | 211 | 130 | 21.8% | 7.38% | #407 |
What Vista Point Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 55 | 38 | 12 | 21.8% |
| Tarrant County | 23 | 16 | 3 | 13.0% |
| Fort Bend County | 15 | 10 | 2 | 13.3% |
| Dallas County | 12 | 7 | 3 | 25.0% |
| Travis County | 11 | 8 | 2 | 18.2% |
| Bexar County | 11 | 7 | 3 | 27.3% |
| Denton County | 10 | 9 | 1 | 10.0% |
| Montgomery County | 8 | 2 | 3 | 37.5% |
| Collin County | 6 | 3 | 1 | 16.7% |
| Angelina County | 5 | 0 | 4 | 80.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 211 applications in 2025, of which 130 were originated and 46 denied.
21.8% of all applications, or 24.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Vista Point Mortgage originated in Texas in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology