# VISION ONE MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/vision-one-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


VISION ONE MORTGAGE, INC. is a independent mortgage company, headquartered in NEWPORT BEACH, CA, serving borrowers across 4 states, with 135 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493007VDE1SMI6Z0Q04
- **Headquarters:** NEWPORT BEACH, CA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, CA, FL, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.729%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,775
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 135
- **Dollar Volume:** $70 million
- **Applications Received:** 216
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $514,852
- **Average Borrower Income:** $173,911
- **Average Property Value:** $653,074

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 57 | +0.650% | $6,413 | Acceptable 🙂 |
| FHA | 61/100 | 76 | +0.795% | $5,244 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 37 loans, Score: 23/100 (Acceptable)
- Refinance: 20 loans, Score: 31/100 (Acceptable)

**FHA:**
- Purchase: 59 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 98 | $54M | +0.717% | Acceptable 🙂 |
| Refinance | 37/100 | 37 | $16M | +0.774% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 124 | 0.04% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 59 | 66/100 |
| Los Angeles | CA | 38 | 60/100 |
| Anaheim | CA | 17 | 53/100 |

## Frequently Asked Questions

### What loan types does VISION ONE MORTGAGE, INC. offer?

VISION ONE MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VISION ONE MORTGAGE, INC. offer mortgages?

VISION ONE MORTGAGE, INC. offers mortgages in 4 states: AZ, CA, FL, TX.

### How competitive are VISION ONE MORTGAGE, INC.'s mortgage rates?

VISION ONE MORTGAGE, INC. has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.729% above market average.

### What type of lender is VISION ONE MORTGAGE, INC.?

VISION ONE MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in NEWPORT BEACH, CA.

### What is VISION ONE MORTGAGE, INC.'s loan approval success rate?

VISION ONE MORTGAGE, INC. has a pull-through score of 45/100 (Sound). 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/vision-one-mortgage

### How to Cite

> "VISION ONE MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vision-one-mortgage

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