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 and Cash Out Refi loans. Vision One Mortgage has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, Dallas, Bakersfield, and Houston among others. We have data for 38 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 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% | 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
485Origination Dollar Volume (All Markets)
$212,765,000Awards
VISION ONE MORTGAGE - 2022
VISION ONE MORTGAGE is a 2022 , due to their low .
For 2022, 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) | 206 | $105,240,000 | $510,874 | $14,155 | 4.68% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 206 | $84,880,000 | $412,039 | $12,475 | 4.89% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $3,230,000 | $403,750 | $12,390 | 5.34% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $10,040 | 5.18% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $10,120 | 4.63% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $7,226 | 3.40% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $6,417 | 4.85% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $12,593 | 4.38% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $13,678 | 4.50% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $17,508 | 5.44% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $15,190 | 6.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $17,348 | 5.31% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $6,933 | 4.28% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $11,290 | 5.29% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,288 | 3.25% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,702 | 5.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,878 | 4.63% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $15,277 | 5.75% |
| Outside of Metro Areas | 1 | $415,000 | $415,000 | $6,990 | 3.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $13,108 | 5.63% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,903 | 4.63% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,728 | 5.63% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,241 | 4.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,528 | 3.63% |
| MADERA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,695 | 3.63% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,401 | 3.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,559 | 5.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,405 | 5.38% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,550 | 3.50% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,347 | 3.63% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,987 | 4.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,907 | 5.00% |
| Burley, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,170 | 4.25% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,778 | 4.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,246 | 3.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,193 | 4.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,732 | 3.88% |
| Lake City, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,615 | 4.38% |
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 | 336 | $138,330,000 | $411,696 | $12,466 | 4.76% |
| FHA | 144 | $71,330,000 | $495,347 | $13,578 | 4.80% |
| VA | 5 | $3,105,000 | $621,000 | $13,756 | 5.08% |
For 2022, Vision One Mortgage's most frequently originated type of loan was Conventional, with 336 originations. Their 2nd most popular type was FHA, with 144 originations.
Loan Reason
For 2022, Vision One Mortgage's most frequently cited loan purpose was Home Purchase, with 272 originations. The 2nd most popular reason was Cash Out Refi, with 139 originations.
Loan Duration/Length
For 2022, Vision One Mortgage's most frequently cited loan duration was 30 Year, with 470 originations. The 2nd most popular length was 20 Year, with 9 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $5k+ | 362 | $165,400,000 | $456,906 |
| $4k-5k | 37 | $13,845,000 | $374,189 |
| $2k-3k | 29 | $12,115,000 | $417,759 |
| $3k-4k | 26 | $10,460,000 | $402,308 |
Vision One Mortgage's average total fees were $12,958, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 362 originations.
Interest Rates
During 2022, Vision One Mortgage's average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 5-6%, with 146 originations.
Loan Sizing
2022 saw Vision One Mortgage place emphasis on $400k-600k loans with 215 originations, totaling $104,995,000 in origination value.
Applicant Income
Vision One Mortgage lent most frequently to those with incomes in the $100k-150k range, with 174 originations. The second most popular income band? $75k-100k, with 109 originations.
Applicant Debt to Income Ratio
Vision One Mortgage lent most frequently to those with DTI ratios of 50-60%, with 77 originations. The next most common DTI ratio? 49%, with 51 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.41%
Vision One Mortgage has a below average approval rate.
Pick Rate
Approvals leading to origination88.66%
Vision One Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 485 | $212,765,000 | $438,691 |