Point Mortgage Corp Mortgage Lending & HMDA Data, 2025
In 2025, Point Mortgage Corp of Chula Vista, CA reported 2,386 mortgage applications totaling $844.5 million, up 43% from 2024. The average application was for $353,952, and applicants reported an average income of $137,322. 78% of its applications resulted in an originated loan and 2% were denied. Its largest markets were San Diego-Carlsbad, CA (307), Tampa, FL (282) and Chicago-Naperville, IL (273) (applications in parentheses).
| Mortgage Company & Address | Point Mortgage Corp 864 Amena Court Chula Vista, CA 91910 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 2,386 |
| Total Mortgage Loan Application Amount | $844,530,000 |
| Average Mortgage Loan Application Amount | $353,952 |
| Highest Mortgage Loan Application Amount | $2,645,000 |
| Average Applicant Income | $137,322 |
| Highest Applicant Income | $7,148,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Point Mortgage Corp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego-Carlsbad, CA | 307 | $ 216,715,000 | $ 705,912 | $ 224,000 |
| Tampa, FL | 282 | $ 70,240,000 | $ 249,078 | $ 96,000 |
| Chicago-Naperville, IL | 273 | $ 81,185,000 | $ 297,380 | $ 134,000 |
| Miami-Miami Beach-Kendall, FL | 241 | $ 102,795,000 | $ 426,535 | $ 179,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 141 | $ 53,515,000 | $ 379,539 | $ 131,000 |
| Bloomington, IL | 122 | $ 26,430,000 | $ 216,639 | $ 104,000 |
| Outside any metro area | 116 | $ 25,170,000 | $ 216,982 | $ 105,155 |
| Bakersfield, CA | 92 | $ 24,590,000 | $ 267,282 | $ 111,000 |
| Cape Coral-Fort Myers, FL | 80 | $ 20,600,000 | $ 257,500 | $ 105,000 |
| Elgin, IL | 75 | $ 21,715,000 | $ 289,533 | $ 132,000 |
| Orlando-Kissimmee-Sanford, FL | 61 | $ 22,765,000 | $ 373,196 | $ 130,000 |
| Champaign-Urbana, IL | 53 | $ 11,635,000 | $ 219,528 | $ 103,000 |
| Fort Wayne, IN | 52 | $ 12,510,000 | $ 240,576 | $ 109,000 |
| Green Bay, WI | 41 | $ 12,995,000 | $ 316,951 | $ 127,000 |
| Panama City, FL | 39 | $ 10,415,000 | $ 267,051 | $ 87,000 |
| Appleton, WI | 37 | $ 9,765,000 | $ 263,918 | $ 110,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 33 | $ 11,365,000 | $ 344,393 | $ 157,000 |
| Riverside-San Bernardino-Ontario, CA | 28 | $ 14,820,000 | $ 529,285 | $ 141,000 |
| St. Petersburg-Clearwater-Largo, FL | 27 | $ 7,295,000 | $ 270,185 | $ 123,000 |
| Elkhart-Goshen, IN | 25 | $ 5,715,000 | $ 228,600 | $ 108,000 |
| South Bend-Mishawaka, IN-MI | 24 | $ 6,000,000 | $ 250,000 | $ 112,000 |
| Lake County-Porter County-Jasper County, IN | 22 | $ 5,050,000 | $ 229,545 | $ 86,000 |
| Oshkosh-Neenah, WI | 22 | $ 6,160,000 | $ 280,000 | $ 111,000 |
| Peoria, IL | 22 | $ 3,840,000 | $ 174,545 | $ 82,000 |
| Lakeland-Winter Haven, FL | 20 | $ 4,780,000 | $ 239,000 | $ 90,000 |
| North Port-Sarasota-Bradenton, FL | 11 | $ 2,555,000 | $ 232,272 | $ 99,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 3,585,000 | $ 398,333 | $ 151,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 7,675,000 | $ 852,777 | $ 364,000 |
| Port St. Lucie, FL | 9 | $ 2,725,000 | $ 302,777 | $ 115,000 |
| Ocala, FL | 8 | $ 2,440,000 | $ 305,000 | $ 118,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,005,000 | $ 429,285 | $ 129,000 |
| Fresno, CA | 5 | $ 1,495,000 | $ 299,000 | $ 45,000 |
| Jacksonville, FL | 5 | $ 1,845,000 | $ 369,000 | $ 116,000 |
| Michigan City-La Porte, IN | 4 | $ 780,000 | $ 195,000 | $ 89,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,540,000 | $ 385,000 | $ 124,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 700,000 | $ 175,000 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 3,900,000 | $ 975,000 | $ 931,000 |
| Decatur, IL | 3 | $ 375,000 | $ 125,000 | $ 39,000 |
| Homosassa Springs, FL | 3 | $ 565,000 | $ 188,333 | $ 88,000 |
| Kansas City, MO-KS | 3 | $ 1,005,000 | $ 335,000 | $ 170,000 |
| Lakewood-New Brunswick, NJ | 3 | $ 1,995,000 | $ 665,000 | $ 198,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 885,000 | $ 295,000 | $ 82,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 1,125,000 | $ 375,000 | $ 177,000 |
| Punta Gorda, FL | 3 | $ 1,055,000 | $ 351,666 | $ 97,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,885,000 | $ 628,333 | $ 142,000 |
| Wildwood-The Villages, FL | 3 | $ 665,000 | $ 221,666 | $ 59,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 900,000 | $ 450,000 | $ 108,000 |
| Colorado Springs, CO | 2 | $ 240,000 | $ 120,000 | $ 40,000 |
| Dallas-Plano-Irving, TX | 2 | $ 850,000 | $ 425,000 | $ 104,000 |
| El Centro, CA | 2 | $ 850,000 | $ 425,000 | $ 124,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 210,000 | $ 105,000 | $ 51,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,190,000 | $ 595,000 | $ 210,000 |
| Yuma, AZ | 2 | $ 460,000 | $ 230,000 | $ 62,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,145,000 | $ 1,145,000 | $ 277,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 305,000 | $ 305,000 | $ 82,000 |
| Bremerton-Silverdale, WA | 1 | $ 495,000 | $ 495,000 | $ 287,000 |
| Cincinnati, OH-KY-IN | 1 | $ 355,000 | $ 355,000 | $ 107,000 |
| Clarksville, TN-KY | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 385,000 | $ 385,000 | $ 177,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 127,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 145,000 | $ 145,000 | $ 120,000 |
| Fort Worth-Arlington, TX | 1 | $ 535,000 | $ 535,000 | $ 192,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 135,000 | $ 135,000 | $ 27,000 |
| Madison, WI | 1 | $ 365,000 | $ 365,000 | $ 122,000 |
| Niles-Benton Harbor, MI | 1 | $ 485,000 | $ 485,000 | $ 113,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 605,000 | $ 605,000 | $ 524,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 295,000 | $ 295,000 | $ 52,000 |
| Racine, WI | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Richmond, VA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Salt Lake City, UT | 1 | $ 445,000 | $ 445,000 | $ 402,000 |
| San Antonio-New Braunfels, TX | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Sebastian-Vero Beach, FL | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Sebring, FL | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 115,000 | $ 115,000 | $ 156,000 |
| Spartanburg, SC | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Springfield, IL | 1 | $ 325,000 | $ 325,000 | $ 214,000 |
| St. Louis, MO-IL | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Tulsa, OK | 1 | $ 485,000 | $ 485,000 | $ 169,000 |
| Visalia-Porterville, CA | 1 | $ 295,000 | $ 295,000 | $ 131,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 525,000 | $ 525,000 | $ 195,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Point Mortgage Corp in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,149 | $737,885,000 | $343,000 | $2,645,000 | $132,000 | $1,744,000 |
| Cash-out Refinancing | 128 | $51,490,000 | $402,000 | $1,845,000 | $198,000 | $7,148,000 |
| Refinancing | 109 | $55,155,000 | $506,000 | $2,165,000 | $171,000 | $1,143,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 917 | $320,655,000 | $349,000 | $1,165,000 | $122,000 | $1,711,000 |
| White | 914 | $310,250,000 | $339,000 | $2,645,000 | $147,000 | $7,148,000 |
| Not Provided | 308 | $114,800,000 | $372,000 | $1,565,000 | $146,000 | $1,744,000 |
| Black or African American | 140 | $44,860,000 | $320,000 | $1,175,000 | $121,000 | $474,000 |
| Asian | 88 | $46,900,000 | $532,000 | $1,055,000 | $171,000 | $686,000 |
| American Indian or Alaskan Native | 14 | $3,910,000 | $279,000 | $865,000 | $100,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $3,155,000 | $631,000 | $1,205,000 | $441,000 | $1,720,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,636 | $538,410,000 | $329,000 | $2,645,000 | $147,000 | $7,148,000 |
| FHA-insured (Federal Housing Administration) | 603 | $230,875,000 | $382,000 | $1,125,000 | $111,000 | $1,075,000 |
| VA-guaranteed (Veterans Administration) | 140 | $73,860,000 | $527,000 | $1,665,000 | $128,000 | $314,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,385,000 | $197,000 | $295,000 | $79,000 | $146,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,856 | $666,550,000 | $359,000 | $2,645,000 | $134,000 | $1,744,000 |
| Application Withdrawn By Applicant | 310 | $104,150,000 | $335,000 | $1,785,000 | $157,000 | $7,148,000 |
| Application Approved But Not Accepted | 158 | $55,820,000 | $353,000 | $1,395,000 | $132,000 | $972,000 |
| Application Denied By Financial Institution | 54 | $15,920,000 | $294,000 | $965,000 | $115,000 | $763,000 |
| File Closed For Incompleteness | 7 | $1,985,000 | $283,000 | $585,000 | $122,000 | $160,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $51,000 | $51,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,332 | $828,610,000 | $355,000 | $2,645,000 | $137,000 | $7,148,000 |
| Collateral | 16 | $4,190,000 | $261,000 | $965,000 | $136,000 | $763,000 |
| Debt-To-Income Ratio | 15 | $4,395,000 | $293,000 | $755,000 | $100,000 | $204,000 |
| Unverifiable Information | 10 | $2,780,000 | $278,000 | $585,000 | $106,000 | $171,000 |
| Other | 5 | $2,345,000 | $469,000 | $895,000 | $147,000 | $297,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,765,000 | $353,000 | $465,000 | $110,000 | $178,000 |
| Credit History | 2 | $430,000 | $215,000 | $305,000 | $68,000 | $81,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Point Mortgage Corp's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Point Mortgage Corp's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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