Vision One Mortgage Rates, Fees & Info

NEWPORT BEACH, CA

LEI: 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.95% 3/28/24
30 Year Conventional Refi 6.38% 3/28/24
30 Year Cash-out Refi 6.56% 3/28/24
30 Year FHA Purchase 7.46% 3/28/24
30 Year FHA Refi 7.04% 3/28/24
30 Year VA Purchase 6.89% 3/28/24
15 Year Conventional Purchase 5.68% 3/28/24
15 Year Conventional Refi 6.81% 3/28/24
15 Year Cash-out Refi 6.81% 3/28/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Vision One Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,238

Origination Dollar Volume (All Markets)

$447,630,000
Show all (10) awards

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%
Vision One Mortgage's top markets include Los Angeles, Riverside, San Diego, Sacramento, and San Francisco among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • 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.

    FIRST MORTGAGE COMPANY, INC.
    Similarity Rank: 280
    HERITAGE COMMUNITY CREDIT UNION
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    Chaffey Federal Credit Union
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    SAFE 1 CREDIT UNION
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    TRISTAR FINANCE, INC.
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    MANHATTAN FINANCIAL GROUP, INC.
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    CASTPARTS EMPLOYEES
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    PIONEER
    Similarity Rank: 553
    MYPOINT Credit Union
    Similarity Rank: 560

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 599 $206,475,000 $344,699 $5,943 2.92%
    Home Purchase 354 $149,260,000 $421,638 $8,545 3.05%
    Cash Out Refi 255 $82,755,000 $324,529 $7,229 3.14%
    Home Improvement 30 $9,140,000 $304,667 $7,127 3.12%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,078 $399,980,000 $371,039 $7,157 3.04%
    20 Year 59 $19,025,000 $322,458 $6,434 2.82%
    15 Year 58 $14,970,000 $258,103 $5,773 2.66%
    Other 36 $12,290,000 $341,389 $5,188 2.90%
    10 Year 7 $1,365,000 $195,000 $4,955 2.39%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 464 $171,730,000 $370,108
    $5k+ 361 $144,425,000 $400,069
    $3k-4k 158 $50,630,000 $320,443
    $4k-5k 135 $43,125,000 $319,444
    $1k-2k 31 $10,615,000 $342,419
    $<1k 3 $1,235,000 $411,667

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 687 $207,925,000 $302,656 $6,535 3.02%
    $400k-600k 376 $177,680,000 $472,553 $7,498 2.99%
    $100k-200k 111 $18,265,000 $164,550 $5,479 2.98%
    $600k-1MM 60 $41,410,000 $690,167 $11,074 2.98%
    $100,000 or less 2 $170,000 $85,000 $4,682 2.81%
    $1MM+ 2 $2,180,000 $1,090,000 $13,146 3.44%

    2020 saw Vision One Mortgage place emphasis on $200k-400k loans with 687 originations, totaling $207,925,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 335 $120,565,000 $359,896 $7,137 3.01%
    $100k-150k 310 $127,550,000 $411,452 $7,368 3.05%
    $50k-75k 282 $82,930,000 $294,078 $6,719 3.02%
    $150k-250k 138 $63,130,000 $457,464 $7,797 2.98%
    $50k or less 91 $18,895,000 $207,637 $6,204 3.01%
    $250k+ 34 $15,400,000 $452,941 $8,067 2.93%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 178 $59,560,000 $334,607 $6,764 2.99%
    20-30% 164 $55,140,000 $336,220 $5,912 2.94%
    50-60% 98 $38,940,000 $397,347 $8,253 2.97%
    44% 78 $29,980,000 $384,359 $8,281 3.13%
    43% 70 $26,610,000 $380,143 $7,431 3.10%
    47% 64 $24,270,000 $379,219 $7,220 3.02%
    42% 59 $23,115,000 $391,780 $8,148 3.08%
    46% 51 $18,625,000 $365,196 $6,473 2.99%
    38% 49 $17,185,000 $350,714 $6,894 3.09%
    40% 49 $17,365,000 $354,388 $7,577 3.06%
    37% 47 $15,825,000 $336,702 $6,597 3.00%
    49% 46 $18,770,000 $408,043 $7,898 3.01%
    41% 44 $16,630,000 $377,955 $7,480 3.11%
    39% 43 $14,655,000 $340,814 $7,019 3.00%
    45% 40 $13,870,000 $346,750 $7,454 3.13%
    48% 39 $14,145,000 $362,692 $6,831 2.93%
    <20% 36 $11,160,000 $310,000 $5,381 2.92%
    36% 35 $12,625,000 $360,714 $7,478 2.96%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 1,047 $382,515,000 $365,344 $6,942 2.99%
    White 173 $57,675,000 $333,382 $7,417 3.10%
    Asian 13 $5,215,000 $401,154 $5,772 2.85%
    Black 5 $2,225,000 $445,000 $6,180 3.50%

    Approval Rates

    Total approvals of all applications
    84.50%

    Vision One Mortgage has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    91.76%

    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

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 61 $13,205,000 $216,475 $6,059 2.85%
    40-60% 228 $71,590,000 $313,991 $5,906 2.91%
    60-80% 518 $188,360,000 $363,629 $7,072 3.08%
    80-100% 422 $171,660,000 $406,777 $7,573 2.99%
    Over 100% 6 $2,520,000 $420,000 $5,734 2.90%
    Under 20% 3 $295,000 $98,333 $4,510 2.83%