Vista Bank Mortgage Rates, Fees & Info
Dallas, TXLEI: 5493009LZZ8VZRVIX755
Tax ID: 75-0548850
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Vista Bank is a smaller bank specializing in Home Purchase loans. Vista Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Crestview, Austin, Miami, and Lubbock among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)Vista Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
58Origination Dollar Volume (All Markets)
$54,990,000Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 14 | $14,260,000 | $1,018,571 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $8,805,000 | $8,805,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $8,765,000 | $1,252,143 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $5,525,000 | $1,841,667 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 16 | $3,960,000 | $247,500 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $3,095,000 | $3,095,000 | $0 | 0.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $2,205,000 | $2,205,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $1,920,000 | $960,000 | $0 | 0.00% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,695,000 | $1,695,000 | $0 | 0.00% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $0 | 0.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $340,000 | $85,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Levelland, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 58 | $54,990,000 | $948,103 | $0 | 0.00% |
For 2023, Vista Bank's most frequently originated type of loan was Conventional, with 58 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 49 | $53,045,000 | $1,082,551 | $0 | 0.00% |
| Refi | 7 | $1,885,000 | $269,286 | $0 | 0.00% |
| Home Improvement | 2 | $60,000 | $30,000 | $0 | 0.00% |
For 2023, Vista Bank's most frequently cited loan purpose was Home Purchase, with 49 originations. The 2nd most popular reason was Refi, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 58 | $54,990,000 | $948,103 | $0 | 0.00% |
For 2023, Vista Bank's most frequently cited loan duration was Other, with 58 originations.
Loan Sizing
2023 saw Vista Bank place emphasis on $1MM+ loans with 22 originations, totaling $45,890,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $250k+ | 12 | $18,590,000 | $1,549,167 | $0 | 0.00% |
| $150k-250k | 2 | $570,000 | $285,000 | $0 | 0.00% |
Vista Bank lent most frequently to those with incomes in the $250k+ range, with 12 originations. The second most popular income band? $150k-250k, with 2 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 58 | $54,990,000 | $948,103 | $0 | 0.00% |
Vista Bank lent most frequently to those with DTI ratios of Exempt%, with 58 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.94%
Vista Bank has an average approval rate.
Pick Rate
Approvals leading to origination93.10%
Vista Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 58 | $54,990,000 | $948,103 |