# V.I.P. MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/vip-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


V.I.P. MORTGAGE, INC. is a independent mortgage company, headquartered in SCOTTSDALE, AZ, serving borrowers nationwide, with 6,501 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300PC4MFWQBNVKG88
- **Headquarters:** SCOTTSDALE, AZ
- **Geographic Reach:** National
- **States Served:** 41
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 49
- **Primary Channel:** mix
- **Direct Origination:** 70.5%
- **Brokered/Wholesale:** 29.5%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.343%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,184
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,501
- **Dollar Volume:** $2.6 billion
- **Applications Received:** 8,212
- **Market Share:** 18.00%

## Typical Borrower Profile

- **Average Loan Amount:** $397,564
- **Average Borrower Income:** $161,796
- **Average Property Value:** $510,916

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (69%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 87/100 | 4,130 | +0.336% | $3,109 | Exceptional 🤩 |
| FHA | 86/100 | 1,595 | +0.527% | $3,473 | Exceptional 🤩 |
| VA | 82/100 | 596 | -0.202% | $3,333 | Exceptional 🤩 |
| Jumbo | 80/100 | 121 | +0.423% | $2,253 | Strong 😀 |
| USDA | 82/100 | 59 | +0.292% | $1,360 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,534 loans, Score: 87/100 (Exceptional)
- Refinance: 596 loans, Score: 76/100 (Strong)

**FHA:**
- Purchase: 1,474 loans, Score: 86/100 (Exceptional)
- Refinance: 121 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 561 loans, Score: 82/100 (Exceptional)
- Refinance: 35 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 102 loans, Score: 80/100 (Exceptional)

**USDA:**
- Purchase: 59 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 5,730 | $2.3B | +0.354% | Exceptional 🤩 |
| Refinance | 77/100 | 771 | $304M | +0.267% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 2,318 | 2.33% | 92/100 |
| CO | 1,214 | 1.45% | 85/100 |
| TX | 1,083 | 0.31% | 78/100 |
| OK | 184 | 0.45% | 68/100 |
| WI | 178 | 0.27% | 66/100 |
| HI | 169 | 1.86% | 78/100 |
| PA | 125 | 0.10% | 59/100 |
| IN | 116 | 0.13% | 59/100 |
| WA | 105 | 0.12% | 60/100 |
| NC | 95 | 0.06% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 1,599 | 90/100 |
| Denver | CO | 837 | 86/100 |
| Non |  | 570 | 69/100 |
| Houston | TX | 506 | 78/100 |
| Tucson, AZ | AZ | 506 | 88/100 |
| San Antonio | TX | 201 | 69/100 |
| Colorado Springs, CO | CO | 152 | 71/100 |
| Oklahoma City, OK | OK | 114 | 68/100 |
| Austin | TX | 106 | 66/100 |
| Prescott Valley | AZ | 95 | 80/100 |
| Dallas | TX | 74 | 57/100 |
| Fort Wayne, IN | IN | 69 | 62/100 |
| Green Bay, WI | WI | 69 | 70/100 |
| Las Vegas | NV | 69 | 60/100 |
| Farmington, NM | NM | 66 | 100/100 |

## Where This Lender Ranks

V.I.P. MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Sioux City, IA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Arizona for USDA Loans
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Arizona for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Farmington, NM
  - [View Full Rankings](https://saferate.com/farmington-nm/best-mortgage-lenders)
- 🥉 **#3** in Farmington, NM Mortgage Companies
  - [View Full Rankings](https://saferate.com/farmington-nm/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Farmington, NM for Conventional Loans
  - [View Full Rankings](https://saferate.com/farmington-nm/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Farmington, NM for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/farmington-nm/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Farmington, NM for FHA Loans
  - [View Full Rankings](https://saferate.com/farmington-nm/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Farmington, NM for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/farmington-nm/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Sioux City, IA Mortgage Companies
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Sioux City, IA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Denver for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Tucson, AZ for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Farmington, NM for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/farmington-nm/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Longview Mortgage Companies
  - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Longview for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Arizona for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Phoenix for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Colorado for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Oklahoma for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/mortgage-companies/usda-loans)

## Frequently Asked Questions

### What loan types does V.I.P. MORTGAGE, INC. offer?

V.I.P. MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does V.I.P. MORTGAGE, INC. offer mortgages?

V.I.P. MORTGAGE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are V.I.P. MORTGAGE, INC.'s mortgage rates?

V.I.P. MORTGAGE, INC. has a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.343% above market average.

### What type of lender is V.I.P. MORTGAGE, INC.?

V.I.P. MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SCOTTSDALE, AZ.

### What is V.I.P. MORTGAGE, INC.'s loan approval success rate?

V.I.P. MORTGAGE, INC. has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/vip-mortgage

### How to Cite

> "V.I.P. MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vip-mortgage

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