Western Vista at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
52nd9.3% deniedPricingmedian rate spread over APOR, weight 30%
60th0.20 ptsProcesswithdrawn + incomplete share, weight 15%
16th21.3%Closing coststotal loan costs ÷ loan amount, weight 10%
22nd2.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 186 | 113 | 16.1% | 21.0% | 7.89% | $12M |
| 2024 | 338 | 251 | 9.2% | 11.0% | 6.86% | $43M |
| 2025 | 342 | 243 | 7.3% | 9.3% | 6.25% | $51M |
What Western Vista lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 77 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 14 investment properties.
Why Western Vista denies applications
Primary reason reported for each of the 25 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Western Vista
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 13 | 35.0% |
| $50k – $100k | 138 | 105 | 6.3% |
| $100k – $150k | 96 | 67 | 5.6% |
| $150k – $250k | 63 | 47 | 9.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 91 | 72 | 2.7% |
| 35–44 | 83 | 54 | 19.4% |
| 45–54 | 67 | 49 | 2.0% |
| 55–64 | 52 | 31 | 13.5% |
Where Western Vista lends
8 states and 16 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Western Vista denied 9.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 52nd percentile of small mortgage lenders.
The most common reason Western Vista gave in 2025 was "credit history", cited on 32.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Western Vista originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.20 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 59% of its applications were for home purchases, 10% for refinancing (including cash-out), and 31% for home improvement or other purposes. By loan type: 75% conventional, 19% FHA, 6% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.