Vista Point Mortgage in Washington vs the state
17.0%Denial rate+1.30 pts vs state
18.2%Decision denial rate-1.36 pts vs state
67.8%Origination rate+6.74 pts vs state
8.50%Median rate+1.88 pts vs state
2.24Rate spread (pts)+2.05 pts vs state
$360kMedian applicant income
40Loans originated
10Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 0 | 40.0% | — | #454 |
| 2024 | 20 | 15 | 0.0% | 8.25% | #379 |
| 2025 | 59 | 40 | 17.0% | 8.50% | #282 |
What Vista Point Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 21 | 17 | 1 | 4.8% |
| Pierce County | 9 | 6 | 2 | 22.2% |
| Snohomish County | 7 | 4 | 1 | 14.3% |
| Clark County | 6 | 3 | 2 | 33.3% |
| Chelan County | 2 | 2 | 0 | 0.0% |
| Grant County | 2 | 2 | 0 | 0.0% |
| Island County | 2 | 1 | 0 | 0.0% |
| Spokane County | 2 | 1 | 1 | 50.0% |
| Kittitas County | 1 | 1 | 0 | 0.0% |
| Skamania County | 1 | 0 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 59 applications in 2025, of which 40 were originated and 10 denied.
17.0% of all applications, or 18.2% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Vista Point Mortgage originated in Washington in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology