Vista Point Mortgage in Virginia vs the state
36.0%Denial rate+20.06 pts vs state
47.4%Decision denial rate+27.12 pts vs state
32.0%Origination rate-27.52 pts vs state
7.19%Median rate+0.56 pts vs state
—Rate spread (pts)
$1,200kMedian applicant income
8Loans originated
9Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 9 | 4 | 33.3% | 7.69% | #577 |
| 2025 | 25 | 8 | 36.0% | 7.19% | #463 |
What Vista Point Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fauquier County | 5 | 0 | 5 | 100.0% |
| Danville city | 5 | 0 | 0 | 0.0% |
| Prince William County | 3 | 1 | 1 | 33.3% |
| Fairfax County | 2 | 0 | 2 | 100.0% |
| Chesterfield County | 2 | 2 | 0 | 0.0% |
| Louisa County | 1 | 1 | 0 | 0.0% |
| Alexandria city | 1 | 0 | 0 | 0.0% |
| Virginia Beach city | 1 | 0 | 1 | 100.0% |
| Roanoke city | 1 | 1 | 0 | 0.0% |
| Petersburg city | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 25 applications in 2025, of which 8 were originated and 9 denied.
36.0% of all applications, or 47.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Vista Point Mortgage originated in Virginia in 2025 was 7.19%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology