Applications / Mortgage Analytics / Lenders / California / Vista Point Mortgage
Irvine, CA · Non-bank or government lender · CFPB · 2,086 loans in 2025
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2,086
loans originated, 2025
3,372
applications, 2025
44
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vista Point Mortgage, a California refinance lender that first reported in 2021, more than doubled its lending in 2025 and now writes loans in 44 states.
It made 2,086 loans in 2025, up 132% from 901. Similar lenders (non-bank or government lenders making between half and twice as many loans) grew 17%, and the whole market 10%. Only a few of its peers grew faster. The jump came after a quiet stretch: in 2023 it made 434 loans.
Refinances made up 72.4% of its loans and purchases 25.8%. Every loan was conventional; it made none backed by the government. It also bought 178 loans from other lenders, where the typical similar lender bought none.
Jumbo loans, those above the conforming limit, were 14.9% of its lending, against 4.2% at its peers. That share fell from 22.9% a year earlier as its volume grew. Its typical loan, $335,000, was a little above the peer figure of $305,000.
It lent in 192 metros, though California remains its base. Its shares are small everywhere: in San Diego-Chula Vista-Carlsbad it rose to 0.2%, ranking 111 of 639 lenders. In Cleveland, Tennessee, which it entered only in 2025, it already took 0.4%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vista Point Mortgage took 3,372 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 72.4% · Purchase 25.8% · Home improvement 1.8%
Conventional 100.0% · of 2,086 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,029 | 49.3% |
| Florida | 372 | 17.8% |
| Texas | 130 | 6.2% |
| Georgia | 83 | 4.0% |
| Washington | 40 | 1.9% |
| Arizona | 37 | 1.8% |
| North Carolina | 36 | 1.7% |
| Michigan | 31 | 1.5% |
| Tennessee | 27 | 1.3% |
| Illinois | 26 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 448 |
| Anaheim-Santa Ana-Irvine | 164 |
| Riverside-San Bernardino-Ontario | 120 |
| San Diego-Chula Vista-Carlsbad | 100 |
| Miami-Miami Beach-Kendall | 79 |
| Houston-Pasadena-The Woodlands | 57 |
| Atlanta-Sandy Springs-Roswell | 52 |
| Fort Lauderdale-Pompano Beach-Sunrise | 39 |
| Oakland-Fremont-Berkeley | 36 |
| North Port-Bradenton-Sarasota | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001X0T84TYRJ5Y59 | 2021–2025 |
Established 21 November 2018. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Vista Point Mortgage's data.
Vista Point Mortgage's data
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