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 Home Purchase, Cash Out Refi, and Refi loans. They have a a high proportion of FHA loans. Vision One Mortgage has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, Seattle, San Diego, and Portland among others. We have data for 58 markets. (Some data included below & more in-depth data is available with an active subscription.)Vision One Mortgage has an above average approval rate when compared to the average across all lenders. They have a below 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.95% | 4/21/24 |
| 30 Year Conventional Refi | 6.38% | 4/21/24 |
| 30 Year Cash-out Refi | 6.56% | 4/21/24 |
| 30 Year FHA Purchase | 7.46% | 4/21/24 |
| 30 Year FHA Refi | 7.04% | 4/21/24 |
| 30 Year VA Purchase | 6.89% | 4/21/24 |
| 15 Year Conventional Purchase | 5.68% | 4/21/24 |
| 15 Year Conventional Refi | 6.81% | 4/21/24 |
| 15 Year Cash-out Refi | 6.81% | 4/21/24 |
| 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. | ||
Vision One Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,121Origination Dollar Volume (All Markets)
$377,635,000Top 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) | 479 | $188,405,000 | $393,330 | $10,925 | 4.26% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 377 | $113,915,000 | $302,162 | $12,088 | 4.28% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 34 | $10,460,000 | $307,647 | $9,784 | 4.17% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 18 | $7,200,000 | $400,000 | $10,099 | 3.98% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 25 | $6,505,000 | $260,200 | $10,375 | 4.35% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 14 | $5,950,000 | $425,000 | $14,952 | 4.48% |
| STOCKTON, CA (FHA|USDA|VA) | 17 | $5,065,000 | $297,941 | $10,492 | 4.31% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 13 | $3,995,000 | $307,308 | $10,571 | 4.84% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 15 | $2,665,000 | $177,667 | $8,309 | 4.41% |
| MODESTO, CA (FHA|USDA|VA) | 10 | $2,430,000 | $243,000 | $10,871 | 4.18% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $2,185,000 | $437,000 | $6,516 | 4.05% |
| SALEM, OR (FHA|USDA|VA) | 9 | $2,025,000 | $225,000 | $10,387 | 3.94% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $1,990,000 | $331,667 | $9,684 | 4.19% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $15,534 | 4.25% |
| Outside of Metro Areas | 7 | $1,655,000 | $236,429 | $10,306 | 4.57% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 8 | $1,550,000 | $193,750 | $8,483 | 4.69% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $10,112 | 3.98% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $10,448 | 4.56% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $9,228 | 4.80% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $12,179 | 4.69% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $6,936 | 4.13% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $9,265 | 3.96% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $12,538 | 4.29% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,374 | 4.50% |
| Hood River, OR (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $13,270 | 4.00% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $7,943 | 4.88% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $10,292 | 3.71% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $14,211 | 4.88% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,618 | 4.78% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,263 | 4.06% |
| MADERA, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,023 | 4.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,334 | 4.31% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,049 | 4.44% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,439 | 4.38% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $11,051 | 3.56% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $12,135 | 4.50% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $9,243 | 4.19% |
| MERCED, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,115 | 5.38% |
| CHICO, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,905 | 4.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,763 | 5.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,675 | 4.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,284 | 3.38% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,535 | 4.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,842 | 5.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,245 | 3.63% |
| Astoria, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,572 | 4.38% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,825 | 4.13% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,223 | 3.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,347 | 5.06% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,859 | 5.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,363 | 4.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,313 | 5.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,410 | 4.88% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,914 | 3.50% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,551 | 4.13% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,203 | 4.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,603 | 4.00% |
| Othello, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,238 | 3.63% |
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Product Mix
For 2019, Vision One Mortgage's most frequently originated type of loan was FHA, with 541 originations. Their 2nd most popular type was Conventional, with 540 originations.
Loan Reason
For 2019, Vision One Mortgage's most frequently cited loan purpose was Home Purchase, with 444 originations. The 2nd most popular reason was Cash Out Refi, with 433 originations.
Loan Duration/Length
For 2019, Vision One Mortgage's most frequently cited loan duration was 30 Year, with 1,071 originations. The 2nd most popular length was 15 Year, with 27 originations.
Origination Fees/Closing Costs
Vision One Mortgage's average total fees were $11,308, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 448 originations.
Interest Rates
During 2019, Vision One Mortgage's average interest rate for loans was 4.30%, while their most frequently originated rate bucket for loans was 4-5%, with 537 originations.
Loan Sizing
2019 saw Vision One Mortgage place emphasis on $200k-400k loans with 634 originations, totaling $190,630,000 in origination value.
Applicant Income
Vision One Mortgage lent most frequently to those with incomes in the $75k-100k range, with 308 originations. The second most popular income band? $50k-75k, with 290 originations.
Applicant Debt to Income Ratio
Vision One Mortgage lent most frequently to those with DTI ratios of 50-60%, with 215 originations. The next most common DTI ratio? 30-36%, with 118 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.62%
Vision One Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination79.13%
Vision One Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5720.0 | 1 | $355,000 | $355,000 |
| NA | 1,120 | $377,280,000 | $336,857 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 2 | $640,000 | $320,000 |
| Single Family (1-4 Units):Site-Built | 1,119 | $376,995,000 | $336,903 |