# VISTA POINT MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/vista-point-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


VISTA POINT MORTGAGE, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 20 states, with 242 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 95% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001X0T84TYRJ5Y59
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AL, AZ, CA, CO, FL, GA, IL, IN, MN, NC, NJ, NV, OR, PA, SC, TN, TX, UT, WA, WY
- **Markets (MSAs):** 5
- **Primary Channel:** wholesale
- **Direct Origination:** 0.5%
- **Brokered/Wholesale:** 99.5%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.045%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,512
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 242
- **Dollar Volume:** $188 million
- **Applications Received:** 385
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $776,653
- **Average Borrower Income:** $522,314
- **Average Property Value:** $1,196,198

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 172 | +1.095% | $5,858 | Acceptable 🙂 |
| Jumbo | 74/100 | 70 | +0.871% | $4,319 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 94 loans, Score: 30/100 (Acceptable)
- Refinance: 78 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 36 loans, Score: 71/100 (Strong)
- Refinance: 34 loans, Score: 80/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 130 | $97M | +1.045% | Acceptable 🙂 |
| Refinance | 51/100 | 112 | $91M | +1.045% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 114 | 0.04% | 63/100 |
| FL | 38 | 0.01% | 51/100 |
| TX | 31 | 0.01% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 40 | 59/100 |
| Anaheim | CA | 21 | 54/100 |
| Riverside | CA | 17 | 48/100 |
| Houston | TX | 15 | 45/100 |
| Sacramento | CA | 11 | 44/100 |

## Frequently Asked Questions

### What loan types does VISTA POINT MORTGAGE, LLC offer?

VISTA POINT MORTGAGE, LLC offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VISTA POINT MORTGAGE, LLC offer mortgages?

VISTA POINT MORTGAGE, LLC offers mortgages in 20 states: AL, AZ, CA, CO, FL, GA, IL, IN, MN, NC, NJ, NV, OR, PA, SC, TN, TX, UT, WA, WY.

### How competitive are VISTA POINT MORTGAGE, LLC's mortgage rates?

VISTA POINT MORTGAGE, LLC has a pricing score of 5/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.045% above market average.

### What type of lender is VISTA POINT MORTGAGE, LLC?

VISTA POINT MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is VISTA POINT MORTGAGE, LLC's loan approval success rate?

VISTA POINT MORTGAGE, LLC has a pull-through score of 44/100 (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/vista-point-mortgage

### How to Cite

> "VISTA POINT MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vista-point-mortgage

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