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 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, San Diego, Sacramento, and San Francisco among others. We have data for 46 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 an average 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 | 6.95% | 11/21/24 |
| 30 Year Conventional Refi | 6.38% | 11/21/24 |
| 30 Year Cash-out Refi | 6.56% | 11/21/24 |
| 30 Year FHA Purchase | 7.46% | 11/21/24 |
| 30 Year FHA Refi | 7.04% | 11/21/24 |
| 30 Year VA Purchase | 6.89% | 11/21/24 |
| 15 Year Conventional Purchase | 5.68% | 11/21/24 |
| 15 Year Conventional Refi | 6.81% | 11/21/24 |
| 15 Year Cash-out Refi | 6.81% | 11/21/24 |
| 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
1,238Origination Dollar Volume (All Markets)
$447,630,000Awards
VISION ONE MORTGAGE - 2020
VISION ONE MORTGAGE is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 532 | $220,520,000 | $414,511 | $7,257 | 2.96% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 464 | $151,070,000 | $325,582 | $6,902 | 3.07% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 42 | $17,960,000 | $427,619 | $6,171 | 2.86% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 27 | $8,385,000 | $310,556 | $5,923 | 2.99% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 14 | $6,660,000 | $475,714 | $8,507 | 2.96% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $2,930,000 | $293,000 | $7,232 | 2.99% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $2,865,000 | $318,333 | $7,582 | 3.17% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 8 | $2,790,000 | $348,750 | $7,175 | 2.81% |
| FRESNO, CA (FHA|USDA|VA) | 11 | $2,785,000 | $253,182 | $5,350 | 2.83% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $2,785,000 | $397,857 | $7,824 | 2.88% |
| BOISE CITY, ID (FHA|USDA|VA) | 12 | $2,740,000 | $228,333 | $6,333 | 2.82% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 13 | $2,685,000 | $206,538 | $6,300 | 3.11% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $2,455,000 | $350,714 | $5,719 | 2.93% |
| VISALIA, CA (FHA|USDA|VA) | 10 | $2,160,000 | $216,000 | $4,978 | 2.94% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 8 | $2,070,000 | $258,750 | $6,320 | 3.03% |
| MADERA, CA (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $6,337 | 3.23% |
| MODESTO, CA (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $6,833 | 3.48% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $10,839 | 3.34% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $0 | 3.63% |
| Outside of Metro Areas | 3 | $1,085,000 | $361,667 | $8,510 | 2.79% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $8,346 | 2.83% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $6,825 | 3.29% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $6,912 | 3.31% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,856 | 2.79% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $24,241 | 3.13% |
| SALEM, OR (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $5,501 | 2.56% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,135 | 3.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,740 | 2.81% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,277 | 3.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,086 | 3.06% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,273 | 3.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,911 | 3.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,610 | 3.00% |
| CHICO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,740 | 3.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,619 | 2.50% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,546 | 3.63% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,763 | 2.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,872 | 3.13% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,727 | 3.00% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,471 | 2.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,966 | 2.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,919 | 3.00% |
| Payson, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,630 | 2.50% |
| Outside of Metro Areas | 1 | $165,000 | $165,000 | $6,310 | 2.50% |
| Susanville, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,265 | 2.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,834 | 3.25% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 930 | $327,380,000 | $352,022 | $6,874 | 3.04% |
| FHA | 266 | $102,970,000 | $387,105 | $7,580 | 2.94% |
| VA | 42 | $17,280,000 | $411,429 | $5,646 | 2.70% |
For 2020, Vision One Mortgage's most frequently originated type of loan was Conventional, with 930 originations. Their 2nd most popular type was FHA, with 266 originations.
Loan Reason
For 2020, Vision One Mortgage's most frequently cited loan purpose was Refi, with 599 originations. The 2nd most popular reason was Home Purchase, with 354 originations.
Loan Duration/Length
For 2020, Vision One Mortgage's most frequently cited loan duration was 30 Year, with 1,078 originations. The 2nd most popular length was 20 Year, with 59 originations.
Origination Fees/Closing Costs
Vision One Mortgage's average total fees were $7,157, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 464 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 614 | $225,850,000 | $367,834 |
| 3-4% | 479 | $171,675,000 | $358,403 |
| <2.5% | 137 | $47,245,000 | $344,854 |
| 4-5% | 8 | $2,860,000 | $357,500 |
During 2020, Vision One Mortgage's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 2.5-3%, with 614 originations.
Loan Sizing
2020 saw Vision One Mortgage place emphasis on $200k-400k loans with 687 originations, totaling $207,925,000 in origination value.
Applicant Income
Vision One Mortgage lent most frequently to those with incomes in the $75k-100k range, with 335 originations. The second most popular income band? $100k-150k, with 310 originations.
Applicant Debt to Income Ratio
Vision One Mortgage lent most frequently to those with DTI ratios of 30-36%, with 178 originations. The next most common DTI ratio? 20-30%, with 164 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.50%
Vision One Mortgage has a below average approval rate.
Pick Rate
Approvals leading to origination91.76%
Vision One Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,238 | $447,630,000 | $361,575 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 11 | $2,755,000 | $250,455 |
| Single Family (1-4 Units):Site-Built | 1,227 | $444,875,000 | $362,571 |