Vista Point Mortgage in Utah vs the state
27.3%Denial rate+11.31 pts vs state
33.3%Decision denial rate+14.15 pts vs state
36.4%Origination rate-26.88 pts vs state
7.50%Median rate+0.88 pts vs state
1.03Rate spread (pts)+0.79 pts vs state
$436kMedian applicant income
4Loans originated
3Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 6 | 14.3% | 10.03% | #291 |
| 2024 | 6 | 3 | 33.3% | 11.50% | #307 |
| 2025 | 11 | 4 | 27.3% | 7.50% | #280 |
What Vista Point Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 4 | 2 | 0 | 0.0% |
| Summit County | 3 | 1 | 2 | 66.7% |
| Wasatch County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Rich County | 1 | 0 | 0 | 0.0% |
| Utah County | 1 | 0 | 1 | 100.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 11 applications in 2025, of which 4 were originated and 3 denied.
27.3% of all applications, or 33.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Vista Point Mortgage originated in Utah in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology