Vista Point Mortgage
Vista Point Mortgage has 242 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 5 mkts
Summary
Things to Think About
- Rates typically 105 basis points above market average
- Higher than average fees ($5,512)
Explore another lender or local market
Report Card
Vista Point Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+104.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 172 | 71.1% | +1.095%Above | $5,858Fees | ||||
Jumbo Loans | 70 | 28.9% | +0.871%Above | $4,319Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume172
Mix71.1%
Spread
+1.095%Above
Fees
$5,858Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume70
Mix28.9%
Spread
+0.871%Above
Fees
$4,319Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 130 | 53.7% | +1.045%Above | $5,162Fees | ||||
Refinance | 112 | 46.3% | +1.045%Above | $6,005Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume130
Mix53.7%
Spread
+1.045%Above
Fees
$5,162Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume112
Mix46.3%
Spread
+1.045%Above
Fees
$6,005Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
242
Applications
385
Volume
$187 million
Pricing & Closing
Avg Rate Spread
+1.045%
vs. market APOR
Avg Net Fees
$5,512
Origination − Credits
Pullthrough Rate
62.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$776,653
Avg Borrower Income
$522,314
Avg Property Value
$1,196,198
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
20Northeast2
NJPA
Midwest3
ILINMN
South7
ALFLGANCSCTNTX
West8
AZCACONVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 40Mix 16.53% of portfolio
59/100
Sound
Volume 21Mix 8.68% of portfolio
54/100
Sound
Volume 17Mix 7.02% of portfolio
48/100
Sound
Volume 15Mix 6.20% of portfolio
45/100
Sound
Volume 11Mix 4.55% of portfolio
44/100
SoundTop States by Place Specialization Score
1
CaliforniaState
Volume 114Mix 47.11% of portfolio
63/100
Strong2
FloridaState
Volume 38Mix 15.70% of portfolio
51/100
Sound3
TexasState
Volume 31Mix 12.81% of portfolio
48/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.