Vision One Mortgage Rates, Fees & Info
NEWPORT BEACH, CALEI: 5493007VDE1SMI6Z0Q04
Tax ID: 20-3828708
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Mortgage Data
Review & Overview
Vision One Mortgage is a smaller mortgage company specializing in Refi, Cash Out Refi, and Home Purchase loans. Vision One Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, Seattle, Sacramento, and San Diego among others. We have data for 61 markets. (Some data included below & more in-depth data is available with an active subscription.)Vision One Mortgage has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Vision One Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.20% | 12/4/22 |
| 30 Year Conventional Refi | 6.95% | 12/4/22 |
| 30 Year Cash-out Refi | 7.17% | 12/4/22 |
| 30 Year FHA Purchase | 7.96% | 12/4/22 |
| 30 Year FHA Refi | 7.52% | 12/4/22 |
| 30 Year VA Purchase | 6.78% | 12/4/22 |
| 30 Year VA Refi | 6.21% | 12/4/22 |
| 15 Year Conventional Refi | 6.46% | 12/4/22 |
| 15 Year Cash-out Refi | 6.46% | 12/4/22 |
| 15 Year FHA Refi | 7.83% | 12/4/22 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
1,328Origination Dollar Volume (All Markets)
$494,460,000Awards
VISION ONE MORTGAGE - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Vision One Mortgage's average 30 year fixed mortgage rate was
3.17%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 0.02%.
Relative Fees (Closing Costs)
Vision One Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,477.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 603 | $261,045,000 | $432,910 | $8,809 | 3.11% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 437 | $153,825,000 | $352,002 | $8,180 | 3.18% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 27 | $8,325,000 | $308,333 | $7,130 | 2.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 17 | $6,015,000 | $353,824 | $9,768 | 2.97% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 17 | $5,755,000 | $338,529 | $7,113 | 3.03% |
| BOISE CITY, ID (FHA|USDA|VA) | 25 | $5,555,000 | $222,200 | $6,511 | 3.02% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 18 | $4,780,000 | $265,556 | $6,879 | 3.20% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 12 | $3,820,000 | $318,333 | $6,674 | 3.03% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $3,610,000 | $451,250 | $11,513 | 3.34% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 16 | $3,460,000 | $216,250 | $6,262 | 3.31% |
| FRESNO, CA (FHA|USDA|VA) | 13 | $2,685,000 | $206,538 | $6,905 | 3.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $2,425,000 | $485,000 | $12,242 | 3.43% |
| EL CENTRO, CA (FHA|USDA|VA) | 10 | $2,350,000 | $235,000 | $8,017 | 3.18% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $2,255,000 | $250,556 | $6,451 | 2.94% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $5,834 | 2.89% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,840,000 | $460,000 | $14,876 | 3.50% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $7,625 | 3.27% |
| Outside of Metro Areas | 8 | $1,830,000 | $228,750 | $7,946 | 3.28% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $6,908 | 3.29% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $6,218 | 2.93% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $6,431 | 3.00% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $5,928 | 3.45% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $6,076 | 2.90% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $6,720 | 2.78% |
| Outside of Metro Areas | 3 | $925,000 | $308,333 | $8,486 | 3.46% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $7,739 | 2.88% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $6,603 | 3.17% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $7,533 | 3.04% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,345 | 3.42% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,279 | 3.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,203 | 3.44% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 3.50% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $16,680 | 3.63% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,441 | 3.06% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,681 | 3.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $13,270 | 3.38% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,459 | 3.44% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,266 | 3.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,541 | 3.13% |
| MADERA, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,186 | 2.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,284 | 3.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,635 | 3.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,408 | 3.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,880 | 3.50% |
| MERCED, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,665 | 2.63% |
| Burley, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,116 | 3.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,223 | 2.88% |
| REDDING, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,785 | 3.25% |
| Shelton, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,579 | 3.50% |
| Othello, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,551 | 2.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,785 | 2.88% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,700 | 3.88% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,501 | 3.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,237 | 3.38% |
| Moscow, ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,179 | 3.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,752 | 3.00% |
| La Grande, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,435 | 3.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,819 | 3.38% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,183 | 3.88% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,688 | 2.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against VISION ONE MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 86
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,070 | $389,880,000 | $364,374 | $8,174 | 3.15% |
| FHA | 240 | $95,900,000 | $399,583 | $8,765 | 3.11% |
| VA | 18 | $8,680,000 | $482,222 | $7,699 | 2.79% |
For 2021, Vision One Mortgage's most frequently originated type of loan was Conventional, with 1,070 originations. Their 2nd most popular type was FHA, with 240 originations.
Loan Reason
For 2021, Vision One Mortgage's most frequently cited loan purpose was Refi, with 523 originations. The 2nd most popular reason was Cash Out Refi, with 390 originations.
Loan Duration/Length
For 2021, Vision One Mortgage's most frequently cited loan duration was 30 Year, with 1,207 originations. The 2nd most popular length was 15 Year, with 61 originations.
Origination Fees/Closing Costs
Vision One Mortgage's average total fees were $8,477, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 590 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 733 | $278,255,000 | $379,611 |
| 2.5-3% | 494 | $180,590,000 | $365,567 |
| <2.5% | 87 | $28,825,000 | $331,322 |
| 4-5% | 13 | $5,465,000 | $420,385 |
| 5-6% | 1 | $1,325,000 | $1,325,000 |
During 2021, Vision One Mortgage's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 733 originations.
Loan Sizing
2021 saw Vision One Mortgage place emphasis on $200k-400k loans with 652 originations, totaling $194,160,000 in origination value.
Applicant Income
Vision One Mortgage lent most frequently to those with incomes in the $75k-100k range, with 382 originations. The second most popular income band? $50k-75k, with 354 originations.
Applicant Debt to Income Ratio
Vision One Mortgage lent most frequently to those with DTI ratios of 30-36%, with 176 originations. The next most common DTI ratio? 20-30%, with 142 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.72%
Vision One Mortgage has a below average approval rate.
Pick Rate
Approvals leading to origination91.87%
Vision One Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,328 | $494,460,000 | $372,334 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Vision Mortgage Company, Ltd. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 100.0% |
