Vista Point Mortgage, LLC mortgage approval rate & lending review
Vista Point Mortgage, LLC decided 4,900 mortgage applications and funded 3,268 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Vista Point Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to vistapointmortgage.com.
Vista Point Mortgage, LLC at a glance
Approval is 3.5 points above the 75.3% 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 | 81% | 497 / 614 | 87% | $565K | 434 |
| Home improvement loans | 84% | 76 / 90 | 80% | $335K | 61 |
| Cash-out refinance | 80% | 1,561 / 1,951 | 84% | $255K | 1,317 |
| Refinance | 69% | 117 / 169 | 85% | $635K | 99 |
| Investment property purchase | 80% | 413 / 517 | 89% | $335K | 366 |
| Investment cash-out refinance | 76% | 400 / 526 | 77% | $275K | 309 |
| Investment refinance | 77% | 777 / 1,013 | 86% | $345K | 669 |
Vista Point Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 80% | $255K | 2,660 | 1,798 |
| Florida | 77% | $335K | 906 | 569 |
| Texas | 79% | $245K | 263 | 189 |
| Georgia | 88% | $225K | 121 | 97 |
| Arizona | 78% | $375K | 106 | 65 |
| North Carolina | 82% | $275K | 80 | 57 |
| Washington | 80% | $495K | 65 | 45 |
| Michigan | 77% | $245K | 60 | 40 |
| Colorado | 75% | $225K | 52 | 36 |
| Illinois | 72% | $315K | 47 | 32 |
| Pennsylvania | 81% | $135K | 47 | 30 |
| New Jersey | 62% | $225K | 45 | 23 |
| Nevada | 78% | $265K | 41 | 28 |
| South Carolina | 83% | $235K | 41 | 28 |
| Tennessee | 78% | $315K | 40 | 26 |
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 Vista Point Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Cash-out refinance | 80% | 666 | 445 |
| Orange County, CA | Cash-out refinance | 85% | 192 | 147 |
| Los Angeles County, CA | Investment refinance | 78% | 157 | 108 |
| San Diego County, CA | Cash-out refinance | 84% | 97 | 71 |
| Los Angeles County, CA | Investment cash-out refinance | 70% | 132 | 67 |
| Riverside County, CA | Cash-out refinance | 76% | 96 | 63 |
| Miami-Dade County, FL | Cash-out refinance | 78% | 58 | 37 |
| San Diego County, CA | Investment refinance | 82% | 45 | 35 |
| Orange County, CA | Investment refinance | 93% | 42 | 33 |
| Miami-Dade County, FL | Investment refinance | 68% | 60 | 32 |
| Riverside County, CA | Investment refinance | 87% | 31 | 24 |
| Harris County, TX | Investment refinance | 74% | 34 | 23 |
The county markets where Vista Point Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Vista Point Mortgage, LLC
What is Vista Point Mortgage, LLC's mortgage approval rate?
Vista Point Mortgage, LLC approved 78.8% of the 4,900 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.5 points above the 75.3% national rate for the same mix of loan types.
How often do borrowers take the loan Vista Point Mortgage, LLC offers?
Borrowers accepted 85% of the loans Vista Point Mortgage, LLC approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Vista Point Mortgage, LLC make?
The typical cash-out refinance loan Vista Point Mortgage, LLC made was $255K; across all loan types its typical loan ran from $255K to $635K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Vista Point Mortgage, LLC lend?
Vista Point Mortgage, LLC decided applications in 45 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Vista Point Mortgage, LLC directly?
Yes. Vista Point Mortgage, LLC reports as a direct lender that takes applications from borrowers. Its website is vistapointmortgage.com.
Does this page show Vista Point Mortgage, LLC'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 Vista Point Mortgage, LLC treats applications, then get a rate quote from the lender.