V.I.P. Mortgage, Inc. mortgage approval rate & lending review
V.I.P. Mortgage, Inc. decided 19,292 mortgage applications and funded 18,582 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions V.I.P. Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to mortgage.com.
V.I.P. Mortgage, Inc. at a glance
Approval is 11.1 points above the 85.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 15,089 / 15,521 | 100% | $395K | 15,016 |
| Cash-out refinance | 93% | 805 / 866 | 99% | $315K | 796 |
| Refinance | 97% | 1,096 / 1,125 | 97% | $365K | 1,068 |
| Investment property purchase | 97% | 1,349 / 1,389 | 99% | $315K | 1,337 |
| Investment cash-out refinance | 94% | 228 / 242 | 100% | $265K | 227 |
| Investment refinance | 94% | 138 / 147 | 99% | $275K | 136 |
V.I.P. Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 97% | $405K | 8,027 | 7,699 |
| Colorado | 99% | $445K | 3,513 | 3,440 |
| Texas | 96% | $325K | 2,575 | 2,474 |
| Hawaii | 94% | $425K | 507 | 476 |
| Wisconsin | 97% | $245K | 494 | 480 |
| New Mexico | 97% | $225K | 393 | 380 |
| Indiana | 99% | $245K | 320 | 318 |
| Nevada | 96% | $395K | 315 | 302 |
| California | 96% | $575K | 306 | 292 |
| Oklahoma | 98% | $265K | 298 | 291 |
| Pennsylvania | 97% | $275K | 293 | 276 |
| Connecticut | 98% | $315K | 291 | 284 |
| Washington | 98% | $345K | 249 | 241 |
| North Carolina | 98% | $395K | 202 | 197 |
| Florida | 91% | $335K | 180 | 160 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where V.I.P. Mortgage, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Mortgage lenders | 98% | 3,697 | 3,581 |
| Pima County, AZ | Mortgage lenders | 96% | 1,382 | 1,327 |
| Denver County, CO | Mortgage lenders | 99% | 616 | 608 |
| Pinal County, AZ | Mortgage lenders | 96% | 633 | 603 |
| Jefferson County, CO | Mortgage lenders | 99% | 500 | 497 |
| Bexar County, TX | Mortgage lenders | 96% | 520 | 492 |
| Arapahoe County, CO | Mortgage lenders | 98% | 475 | 467 |
| El Paso County, CO | Mortgage lenders | 98% | 429 | 419 |
| Adams County, CO | Mortgage lenders | 99% | 363 | 358 |
| Maricopa County, AZ | Investment property purchase | 96% | 366 | 346 |
| Douglas County, CO | Mortgage lenders | 99% | 280 | 276 |
| Yavapai County, AZ | Mortgage lenders | 98% | 279 | 273 |
The county markets where V.I.P. Mortgage, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about V.I.P. Mortgage, Inc.
What is V.I.P. Mortgage, Inc.'s mortgage approval rate?
V.I.P. Mortgage, Inc. approved 97.0% of the 19,292 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.1 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan V.I.P. Mortgage, Inc. offers?
Borrowers accepted 99% of the loans V.I.P. Mortgage, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does V.I.P. Mortgage, Inc. make?
The typical home purchase mortgage loan V.I.P. Mortgage, Inc. made was $395K; across all loan types its typical loan ran from $265K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does V.I.P. Mortgage, Inc. lend?
V.I.P. Mortgage, Inc. decided applications in 44 of the states Fat Boy Data covers, most of them in Arizona, Colorado and Texas.
Can I apply to V.I.P. Mortgage, Inc. directly?
Yes. V.I.P. Mortgage, Inc. reports as a direct lender that takes applications from borrowers. Its website is mortgage.com.
Does this page show V.I.P. Mortgage, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how V.I.P. Mortgage, Inc. treats applications, then get a rate quote from the lender.