Lender in California · HMDA 2025
Vista Point Mortgage, LLC mortgages in California
Vista Point Mortgage, LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Vista Point Mortgage, LLC originated 216 owner-occupied single-family loans in California from 310 completed applications.
Its median conventional purchase loan costs were $18,450 versus $7,920 for all California lenders, at a median 30-year fixed rate of 7.125% (California: 6.625%).
Loans in CA
216
of 310 applications
Denial rate
26.3%
Purchase · CA 8.9%
Rate spread
+0.72 pts
Conv. · CA +0.09 pts
Loan amount
$705,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 156 | 106 | 26.3% | 7.125% | +0.72 pts | $18,450 | $705,000 |
| Refinance | 45 | 33 | 20.0% | 7.000% | +0.70 pts | $15,150 | $975,000 |
| Cash-out refinance | 109 | 77 | 21.1% | 7.125% | +0.77 pts | $15,030 | $875,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology