Vista Point Mortgage, LLC Mortgage Lending & HMDA Data, 2025
In 2025, Vista Point Mortgage, LLC of Irvine, CA reported 3,550 mortgage applications totaling $6.5 billion, up 120% from 2024. The average application was for $1,818,000, and applicants reported an average income of $351,736. 59% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (718), Anaheim-Santa Ana-Irvine, CA (220) and Riverside-San Bernardino-Ontario, CA (202) (applications in parentheses).
| Mortgage Company & Address | Vista Point Mortgage, LLC 1920 Main St Suite 200 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 3,550 |
| Total Mortgage Loan Application Amount | $6,453,900,000 |
| Average Mortgage Loan Application Amount | $1,818,000 |
| Highest Mortgage Loan Application Amount | $98,925,000 |
| Average Applicant Income | $351,736 |
| Highest Applicant Income | $7,890,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vista Point Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 718 | $ 372,330,000 | $ 518,565 | $ 495,000 |
| Anaheim-Santa Ana-Irvine, CA | 220 | $ 180,410,000 | $ 820,045 | $ 800,000 |
| Riverside-San Bernardino-Ontario, CA | 202 | $ 71,660,000 | $ 354,752 | $ 314,000 |
| Atlanta-Sandy Springs-Roswell, GA | 182 | $ 2,711,725,000 | $ 14,899,587 | $ 315,000 |
| Outside any metro area | 167 | $ 447,065,000 | $ 2,677,035 | $ 183,132 |
| San Diego-Carlsbad, CA | 143 | $ 81,455,000 | $ 569,615 | $ 358,000 |
| Miami-Miami Beach-Kendall, FL | 142 | $ 171,070,000 | $ 1,204,718 | $ 304,000 |
| Houston-The Woodlands-Sugar Land, TX | 88 | $ 29,810,000 | $ 338,750 | $ 244,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 73 | $ 34,435,000 | $ 471,712 | $ 242,000 |
| Oakland-Hayward-Berkeley, CA | 61 | $ 39,665,000 | $ 650,245 | $ 392,000 |
| Orlando-Kissimmee-Sanford, FL | 54 | $ 18,630,000 | $ 345,000 | $ 281,000 |
| Tampa, FL | 52 | $ 20,070,000 | $ 385,961 | $ 164,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 48 | $ 20,790,000 | $ 433,125 | $ 310,000 |
| North Port-Sarasota-Bradenton, FL | 41 | $ 22,025,000 | $ 537,195 | $ 293,000 |
| St. Petersburg-Clearwater-Largo, FL | 41 | $ 19,165,000 | $ 467,439 | $ 269,000 |
| Marietta, GA | 39 | $ 731,200,000 | $ 18,748,717 | $ 190,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 39 | $ 29,815,000 | $ 764,487 | $ 545,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 39 | $ 20,685,000 | $ 530,384 | $ 364,000 |
| Phoenix-Mesa-Scottsdale, AZ | 35 | $ 19,415,000 | $ 554,714 | $ 355,000 |
| Indianapolis-Carmel-Anderson, IN | 34 | $ 10,950,000 | $ 322,058 | $ 212,000 |
| Dallas-Plano-Irving, TX | 33 | $ 11,315,000 | $ 342,878 | $ 408,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 33 | $ 15,945,000 | $ 483,181 | $ 313,000 |
| Chicago-Naperville, IL | 32 | $ 10,600,000 | $ 331,250 | $ 213,000 |
| Warren-Troy-Farmington Hills, MI | 31 | $ 9,595,000 | $ 309,516 | $ 303,000 |
| Cape Coral-Fort Myers, FL | 25 | $ 11,695,000 | $ 467,800 | $ 113,000 |
| Charlotte-Concord-Gastonia, NC-SC | 24 | $ 6,730,000 | $ 280,416 | $ 192,500 |
| Fort Worth-Arlington, TX | 23 | $ 10,585,000 | $ 460,217 | $ 217,000 |
| Visalia-Porterville, CA | 22 | $ 6,070,000 | $ 275,909 | $ 26,000 |
| Denver-Aurora-Lakewood, CO | 21 | $ 9,425,000 | $ 448,809 | $ 705,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 12,545,000 | $ 597,380 | $ 824,000 |
| Bakersfield, CA | 19 | $ 4,255,000 | $ 223,947 | $ 93,000 |
| Cleveland, OH | 19 | $ 2,905,000 | $ 152,894 | $ 32,000 |
| Las Vegas-Henderson-Paradise, NV | 18 | $ 5,170,000 | $ 287,222 | $ 167,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 17 | $ 4,545,000 | $ 267,352 | $ 96,000 |
| Homosassa Springs, FL | 17 | $ 3,425,000 | $ 201,470 | $ 0 |
| Jacksonville, FL | 16 | $ 4,760,000 | $ 297,500 | $ 172,000 |
| Port St. Lucie, FL | 16 | $ 4,300,000 | $ 268,750 | $ 166,000 |
| San Antonio-New Braunfels, TX | 16 | $ 4,850,000 | $ 303,125 | $ 255,000 |
| Austin-Round Rock, TX | 15 | $ 6,735,000 | $ 449,000 | $ 635,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 4,120,000 | $ 294,285 | $ 167,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 13 | $ 6,745,000 | $ 518,846 | $ 370,076 |
| San Francisco-Redwood City-South San Francisco, CA | 13 | $ 10,975,000 | $ 844,230 | $ 474,000 |
| Santa Rosa, CA | 13 | $ 5,975,000 | $ 459,615 | $ 229,000 |
| St. Louis, MO-IL | 13 | $ 2,805,000 | $ 215,769 | $ 18,000 |
| Arlington-Alexandria-Reston, VA-WV | 12 | $ 5,760,000 | $ 480,000 | $ 100,000 |
| Crestview-Fort Walton Beach-Destin, FL | 12 | $ 9,750,000 | $ 812,500 | $ 297,000 |
| Naples-Immokalee-Marco Island, FL | 12 | $ 8,930,000 | $ 744,166 | $ 572,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 10,280,000 | $ 856,666 | $ 212,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 8,870,000 | $ 739,166 | $ 456,000 |
| Savannah, GA | 12 | $ 161,890,000 | $ 13,490,833 | $ 169,000 |
| Lakeland-Winter Haven, FL | 11 | $ 2,545,000 | $ 231,363 | $ 141,000 |
| Baltimore-Columbia-Towson, MD | 10 | $ 100,585,000 | $ 10,058,500 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 10 | $ 1,410,000 | $ 141,000 | $ 199,000 |
| Fresno, CA | 10 | $ 4,850,000 | $ 485,000 | $ 205,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 2,600,000 | $ 260,000 | $ 58,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 1,435,000 | $ 159,444 | $ 0 |
| Newark, NJ-PA | 9 | $ 4,275,000 | $ 475,000 | $ 406,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 2,275,000 | $ 252,777 | $ 312,000 |
| Stockton-Lodi, CA | 9 | $ 2,305,000 | $ 256,111 | $ 141,000 |
| Tacoma-Lakewood, WA | 9 | $ 3,625,000 | $ 402,777 | $ 1,065,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 2,470,000 | $ 308,750 | $ 0 |
| Lakewood-New Brunswick, NJ | 8 | $ 2,570,000 | $ 321,250 | $ 338,000 |
| Memphis, TN-MS-AR | 8 | $ 1,480,000 | $ 185,000 | $ 67,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,870,000 | $ 233,750 | $ 172,000 |
| New York-Jersey City-White Plains, NY-NJ | 8 | $ 5,810,000 | $ 726,250 | $ 423,000 |
| Philadelphia, PA | 8 | $ 1,710,000 | $ 213,750 | $ 0 |
| Prescott Valley-Prescott, AZ | 8 | $ 8,960,000 | $ 1,120,000 | $ 324,000 |
| Vallejo-Fairfield, CA | 8 | $ 4,390,000 | $ 548,750 | $ 176,000 |
| Washington, DC-MD | 8 | $ 52,800,000 | $ 6,600,000 | $ 108,500 |
| Cincinnati, OH-KY-IN | 7 | $ 2,015,000 | $ 287,857 | $ 60,000 |
| Everett, WA | 7 | $ 3,315,000 | $ 473,571 | $ 311,000 |
| Modesto, CA | 7 | $ 2,215,000 | $ 316,428 | $ 198,000 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 3,525,000 | $ 503,571 | $ 174,000 |
| Salem, OR | 7 | $ 1,465,000 | $ 209,285 | $ 176,000 |
| Salinas, CA | 7 | $ 5,805,000 | $ 829,285 | $ 270,000 |
| San Rafael, CA | 7 | $ 3,535,000 | $ 505,000 | $ 16,000 |
| Santa Maria-Santa Barbara, CA | 7 | $ 2,385,000 | $ 340,714 | $ 269,000 |
| Columbus, OH | 6 | $ 1,300,000 | $ 216,666 | $ 210,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 1,390,000 | $ 231,666 | $ 0 |
| Greensboro-High Point, NC | 6 | $ 1,160,000 | $ 193,333 | $ 45,000 |
| Punta Gorda, FL | 6 | $ 1,490,000 | $ 248,333 | $ 24,000 |
| Tucson, AZ | 6 | $ 2,050,000 | $ 341,666 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 1,715,000 | $ 343,000 | $ 63,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 180,925,000 | $ 36,185,000 | $ 41,200 |
| Birmingham-Hoover, AL | 5 | $ 1,495,000 | $ 299,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 4,135,000 | $ 827,000 | $ 337,000 |
| Gainesville, GA | 5 | $ 62,450,000 | $ 12,490,000 | $ 0 |
| Goldsboro, NC | 5 | $ 615,000 | $ 123,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 995,000 | $ 199,000 | $ 171,000 |
| Kansas City, MO-KS | 5 | $ 1,065,000 | $ 213,000 | $ 50,400 |
| Ocala, FL | 5 | $ 1,295,000 | $ 259,000 | $ 116,000 |
| Pueblo, CO | 5 | $ 965,000 | $ 193,000 | $ 89,000 |
| Raleigh, NC | 5 | $ 1,785,000 | $ 357,000 | $ 144,000 |
| Warner Robins, GA | 5 | $ 102,665,000 | $ 20,533,000 | $ 250,000 |
| Boise City, ID | 4 | $ 2,040,000 | $ 510,000 | $ 589,000 |
| Boston, MA | 4 | $ 3,090,000 | $ 772,500 | $ 512,000 |
| Cleveland, TN | 4 | $ 2,980,000 | $ 745,000 | $ 0 |
| Dalton, GA | 4 | $ 59,400,000 | $ 14,850,000 | $ 0 |
| Greeley, CO | 4 | $ 2,190,000 | $ 547,500 | $ 678,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 2,730,000 | $ 682,500 | $ 0 |
| Huntsville, AL | 4 | $ 780,000 | $ 195,000 | $ 52,000 |
| Knoxville, TN | 4 | $ 2,070,000 | $ 517,500 | $ 371,000 |
| Lake County-Porter County-Jasper County, IN | 4 | $ 670,000 | $ 167,500 | $ 132,000 |
| Lexington Park, MD | 4 | $ 1,495,000 | $ 373,750 | $ 91,000 |
| Manchester-Nashua, NH | 4 | $ 1,210,000 | $ 302,500 | $ 17,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 600,000 | $ 150,000 | $ 93,000 |
| Oklahoma City, OK | 4 | $ 630,000 | $ 157,500 | $ 0 |
| Pittsburgh, PA | 4 | $ 770,000 | $ 192,500 | $ 41,000 |
| Rockingham County-Strafford County, NH | 4 | $ 1,180,000 | $ 295,000 | $ 203,000 |
| Salt Lake City, UT | 4 | $ 1,750,000 | $ 437,500 | $ 1,564,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 4,670,000 | $ 1,167,500 | $ 544,000 |
| Sebring, FL | 4 | $ 980,000 | $ 245,000 | $ 68,000 |
| Tallahassee, FL | 4 | $ 750,000 | $ 187,500 | $ 67,000 |
| Ann Arbor, MI | 3 | $ 1,505,000 | $ 501,666 | $ 455,000 |
| Camden, NJ | 3 | $ 875,000 | $ 291,666 | $ 42,000 |
| Charleston-North Charleston, SC | 3 | $ 1,065,000 | $ 355,000 | $ 207,000 |
| Colorado Springs, CO | 3 | $ 925,000 | $ 308,333 | $ 270,000 |
| Corpus Christi, TX | 3 | $ 975,000 | $ 325,000 | $ 134,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 2,345,000 | $ 781,666 | $ 154,000 |
| Fairbanks, AK | 3 | $ 325,000 | $ 108,333 | $ 410,000 |
| Fort Collins, CO | 3 | $ 1,415,000 | $ 471,666 | $ 132,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 1,315,000 | $ 438,333 | $ 505,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 2,205,000 | $ 735,000 | $ 251,000 |
| Merced, CA | 3 | $ 685,000 | $ 228,333 | $ 130,000 |
| Panama City, FL | 3 | $ 1,965,000 | $ 655,000 | $ 0 |
| Providence-Warwick, RI-MA | 3 | $ 1,615,000 | $ 538,333 | $ 0 |
| Richmond, VA | 3 | $ 685,000 | $ 228,333 | $ 0 |
| Rome, GA | 3 | $ 105,010,000 | $ 35,003,333 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 1,865,000 | $ 621,666 | $ 0 |
| Spokane-Spokane Valley, WA | 3 | $ 1,055,000 | $ 351,666 | $ 86,000 |
| Urban Honolulu, HI | 3 | $ 2,605,000 | $ 868,333 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,225,000 | $ 408,333 | $ 0 |
| Waco, TX | 3 | $ 1,315,000 | $ 438,333 | $ 71,000 |
| Wilmington, NC | 3 | $ 1,975,000 | $ 658,333 | $ 0 |
| Albany, GA | 2 | $ 850,000 | $ 425,000 | $ 0 |
| Altoona, PA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Bozeman, MT | 2 | $ 1,040,000 | $ 520,000 | $ 120,000 |
| Chattanooga, TN-GA | 2 | $ 0 | $ 0 | $ 0 |
| Clarksville, TN-KY | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Columbia, SC | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Columbus, GA-AL | 2 | $ 92,755,000 | $ 46,377,500 | $ 0 |
| Elgin, IL | 2 | $ 340,000 | $ 170,000 | $ 30,000 |
| Flagstaff, AZ | 2 | $ 3,440,000 | $ 1,720,000 | $ 257,000 |
| Gainesville, FL | 2 | $ 510,000 | $ 255,000 | $ 2,175,000 |
| Hinesville, GA | 2 | $ 430,000 | $ 215,000 | $ 955,000 |
| Kalamazoo-Portage, MI | 2 | $ 960,000 | $ 480,000 | $ 243,000 |
| Killeen-Temple, TX | 2 | $ 460,000 | $ 230,000 | $ 521,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 450,000 | $ 225,000 | $ 122,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 1,230,000 | $ 615,000 | $ 794,000 |
| Napa, CA | 2 | $ 400,000 | $ 200,000 | $ 0 |
| New Orleans-Metairie, LA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Portland-South Portland, ME | 2 | $ 1,330,000 | $ 665,000 | $ 0 |
| Redding, CA | 2 | $ 330,000 | $ 165,000 | $ 191,000 |
| Rockford, IL | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Salisbury, MD-DE | 2 | $ 66,270,000 | $ 33,135,000 | $ 0 |
| Santa Fe, NM | 2 | $ 1,910,000 | $ 955,000 | $ 314,000 |
| Sebastian-Vero Beach, FL | 2 | $ 1,600,000 | $ 800,000 | $ 0 |
| Sherman-Denison, TX | 2 | $ 650,000 | $ 325,000 | $ 632,000 |
| Trenton, NJ | 2 | $ 780,000 | $ 390,000 | $ 154,000 |
| Wenatchee, WA | 2 | $ 860,000 | $ 430,000 | $ 430,000 |
| Worcester, MA-CT | 2 | $ 760,000 | $ 380,000 | $ 0 |
| Albuquerque, NM | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Amarillo, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Anchorage, AK | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 0 | $ 0 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Bellingham, WA | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 685,000 | $ 685,000 | $ 503,000 |
| Cheyenne, WY | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 695,000 | $ 695,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 145,000 | $ 145,000 | $ 181,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 445,000 | $ 445,000 | $ 867,000 |
| Evansville, IN-KY | 1 | $ 235,000 | $ 235,000 | $ 309,000 |
| Fayetteville, NC | 1 | $ 75,000 | $ 75,000 | $ 187,000 |
| Flint, MI | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Florence, SC | 1 | $ 225,000 | $ 225,000 | $ 217,000 |
| Green Bay, WI | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Greenville, NC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 115,000 | $ 115,000 | $ 204,000 |
| Houma-Thibodaux, LA | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Idaho Falls, ID | 1 | $ 335,000 | $ 335,000 | $ 215,000 |
| Jackson, MS | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jacksonville, NC | 1 | $ 285,000 | $ 285,000 | $ 254,000 |
| Kennewick-Richland, WA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Kenosha, WI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lafayette, LA | 1 | $ 105,000 | $ 105,000 | $ 295,000 |
| Lake Charles, LA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lebanon, PA | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Longview, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lubbock, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Madison, WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Manhattan, KS | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Medford, OR | 1 | $ 325,000 | $ 325,000 | $ 468,000 |
| Missoula, MT | 1 | $ 275,000 | $ 275,000 | $ 357,000 |
| Mobile, AL | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Monroe, MI | 1 | $ 155,000 | $ 155,000 | $ 597,000 |
| Niles-Benton Harbor, MI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 105,000 | $ 105,000 | $ 166,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Oshkosh-Neenah, WI | 1 | $ 345,000 | $ 345,000 | $ 117,000 |
| Provo-Orem, UT | 1 | $ 175,000 | $ 175,000 | $ 184,000 |
| Reading, PA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Roanoke, VA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Spartanburg, SC | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| St. George, UT | 1 | $ 775,000 | $ 775,000 | $ 165,000 |
| Sumter, SC | 1 | $ 205,000 | $ 205,000 | $ 152,000 |
| Toledo, OH | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Traverse City, MI | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Tulsa, OK | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Tyler, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Valdosta, GA | 1 | $ 185,000 | $ 185,000 | $ 206,000 |
| Waterbury-Shelton, CT | 1 | $ 255,000 | $ 255,000 | $ 300,000 |
| Wilmington, DE-MD-NJ | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Yakima, WA | 1 | $ 315,000 | $ 315,000 | $ 428,000 |
| Yuba City, CA | 1 | $ 375,000 | $ 375,000 | $ 567,000 |
| Yuma, AZ | 1 | $ 135,000 | $ 135,000 | $ 0 |
Mortgage Loan Application Detail Totals for Vista Point Mortgage, LLC 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,442 | $5,349,870,000 | $3,922,000 | $98,925,000 | $461,000 | $7,890,000 |
| Refinancing | 1,198 | $544,755,000 | $455,000 | $5,005,000 | $216,000 | $4,855,000 |
| Home Purchase | 848 | $534,995,000 | $651,000 | $52,485,000 | $350,000 | $6,854,000 |
| Home Improvement | 62 | $24,280,000 | $391,000 | $2,005,000 | $457,000 | $1,791,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 1,131 | $601,525,000 | $531,000 | $5,005,000 | $408,000 | $7,890,000 |
| Not Provided | 821 | $419,825,000 | $511,000 | $5,005,000 | $394,000 | $5,734,000 |
| Hispanic | 802 | $301,920,000 | $376,000 | $3,995,000 | $238,000 | $4,855,000 |
| Asian | 379 | $183,505,000 | $484,000 | $3,505,000 | $332,000 | $7,695,000 |
| Black or African American | 218 | $88,050,000 | $403,000 | $3,325,000 | $294,000 | $4,939,000 |
| Not applicable | 178 | $4,851,750,000 | $69,310,000 | $98,925,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $4,225,000 | $384,000 | $805,000 | $245,000 | $1,326,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $3,100,000 | $310,000 | $915,000 | $223,000 | $1,150,000 |
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) | 3,550 | $6,453,900,000 | $1,875,000 | $98,925,000 | $347,000 | $7,890,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,086 | $1,020,580,000 | $489,000 | $5,005,000 | $376,000 | $7,890,000 |
| Application Denied By Financial Institution | 696 | $318,150,000 | $457,000 | $5,005,000 | $266,000 | $6,468,000 |
| Application Approved But Not Accepted | 319 | $132,385,000 | $415,000 | $2,455,000 | $272,000 | $2,420,000 |
| Application Withdrawn By Applicant | 270 | $130,770,000 | $484,000 | $4,505,000 | $421,000 | $5,734,000 |
| Loan Purchased By The Institution | 178 | $4,851,750,000 | $69,310,000 | $98,925,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $265,000 | $265,000 | $265,000 | $692,000 | $692,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 2,854 | $6,135,750,000 | $2,234,000 | $98,925,000 | $368,000 | $7,890,000 |
| Unverifiable Information | 257 | $125,155,000 | $486,000 | $5,005,000 | $276,000 | $6,468,000 |
| Other | 169 | $66,775,000 | $395,000 | $4,805,000 | $210,000 | $4,200,000 |
| Credit History | 128 | $54,980,000 | $429,000 | $3,705,000 | $254,000 | $4,698,000 |
| Collateral | 67 | $32,285,000 | $481,000 | $3,085,000 | $245,000 | $3,495,000 |
| Credit Application Incomplete | 61 | $31,475,000 | $515,000 | $3,995,000 | $450,000 | $5,596,000 |
| Debt-To-Income Ratio | 12 | $6,020,000 | $501,000 | $1,225,000 | $124,000 | $370,000 |
| Employment History | 2 | $1,460,000 | $730,000 | $1,205,000 | $280,000 | $386,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vista Point Mortgage, LLC'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 Vista Point Mortgage, LLC'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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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