Purchase Originations
249
Median Total Costs
$16,696
+149.9% vs national ($6,680)
↓ $684 vs prior year
Median Rate
7.125%
+9.8% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$11,574
Median Lender Credits
$4,639
Denial Rate
19.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 249 | 7.125% | $16,696 | $11,574 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 106 | 7.125% | $18,611 | #192 |
| Florida | 58 | 7.250% | $14,558 | #304 |
| Texas | 25 | 7.375% | $14,986 | — |
| Georgia | 13 | 7.500% | $17,678 | — |
| Michigan | 9 | 7.750% | $11,791 | — |
| Arizona | 5 | 7.250% | $11,521 | — |
| Washington | 5 | 6.625% | $16,044 | — |
| Illinois | 4 | 7.562% | $18,034 | — |
| North Carolina | 4 | 7.812% | $23,286 | — |
| Nevada | 4 | 7.250% | $13,664 | — |
| Colorado | 3 | 7.875% | $16,162 | — |
| Tennessee | 3 | 7.375% | $12,021 | — |
| Indiana | 2 | 6.625% | $9,544 | — |
| New Jersey | 2 | 8.500% | $30,679 | — |
| South Carolina | 2 | 8.875% | $10,593 | — |
| Ohio | 1 | 6.875% | $11,470 | — |
| Oregon | 1 | 7.125% | $10,234 | — |
| Utah | 1 | 6.500% | $53,201 | — |
| Wisconsin | 1 | 7.000% | $11,496 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $10,319 | 7.375% | — | 6 | −$6,377 | |
| 2 | $10,935 | 7.812% | — | 6 | −$5,761 | |
| 3 | $11,611 | 6.870% | — | 6 | −$5,085 | |
| 4 | $12,067 | 8.625% | — | 5 | −$4,629 | |
| 5 | $12,082 | 8.062% | — | 4 | −$4,614 | |
| 6 | $13,664 | 7.250% | — | 4 | −$3,032 | |
| 7 | $14,236 | 7.625% | — | 5 | −$2,460 | |
| 8 | $14,236 | 6.938% | — | 4 | −$2,460 | |
| 9 | $14,348 | 6.938% | — | 12 | −$2,348 | |
| 10 | $15,650 | 9.125% | — | 3 | −$1,046 | |
| 11 | $16,746 | 7.000% | — | 4 | +$50 | |
| 12 | $18,034 | 7.562% | — | 4 | +$1,338 | |
| 13 | $18,833 | 7.125% | — | 34 | +$2,137 | |
| 14 | $20,708 | 6.875% | — | 27 | +$4,012 | |
| 15 | $21,141 | 7.125% | — | 5 | +$4,445 | |
| 16 | $21,734 | 7.125% | — | 10 | +$5,038 | |
| 17 | $21,913 | 6.812% | — | 6 | +$5,217 | |
| 18 | $21,946 | 6.500% | — | 3 | +$5,250 | |
| 19 | $23,209 | 7.312% | — | 4 | +$6,513 | |
| 20 | $28,500 | 7.375% | — | 11 | +$11,804 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Vista Point Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $585,000 | $335,000 | +$250,000 (+74.6%) |
| Median total closing costs | $16,696 | $7,127 | +$9,569 (+134.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.