Vista Bank Mortgage Rates, Fees & Info
Dallas, TXLEI: 5493009LZZ8VZRVIX755
Tax ID: 75-0548850
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Mortgage Data
Bank 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, Lubbock, Phoenix, Tulsa, and San Antonio among others. We have data for 21 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.
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Originations
123Origination Dollar Volume (All Markets)
$38,665,000Employee count
150Top 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) | 18 | $12,380,000 | $687,778 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 61 | $5,885,000 | $96,475 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $4,405,000 | $4,405,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $2,305,000 | $2,305,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $0 | 0.00% |
| Outside of Metro Areas | 10 | $2,170,000 | $217,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $1,770,000 | $885,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $0 | 0.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $1,225,000 | $1,225,000 | $0 | 0.00% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $0 | 0.00% |
| Plainview, TX (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 0.00% |
| EL PASO, TX (FHA|USDA|VA) | 4 | $300,000 | $75,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 123 | $38,665,000 | $314,350 | $0 | 0.00% |
For 2019, Vista Bank's most frequently originated type of loan was Conventional, with 123 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 106 | $33,770,000 | $318,585 | $0 | 0.00% |
| Refi | 13 | $2,855,000 | $219,615 | $0 | 0.00% |
| Home Improvement | 4 | $2,040,000 | $510,000 | $0 | 0.00% |
For 2019, Vista Bank's most frequently cited loan purpose was Home Purchase, with 106 originations. The 2nd most popular reason was Refi, with 13 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 123 | $38,665,000 | $314,350 | $0 | 0.00% |
For 2019, Vista Bank's most frequently cited loan duration was Other, with 123 originations.
Loan Sizing
2019 saw Vista Bank place emphasis on $100,000 or less loans with 61 originations, totaling $3,465,000 in origination value.
Applicant Income
Vista Bank lent most frequently to those with incomes in the $250k+ range, with 16 originations. The second most popular income band? $150k-250k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 123 | $38,665,000 | $314,350 | $0 | 0.00% |
Vista Bank lent most frequently to those with DTI ratios of Exempt%, with 123 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.85%
Vista Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 123 | $38,665,000 | $314,350 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 9 | $8,625,000 | $958,333 |
| Single Family (1-4 Units):Site-Built | 114 | $30,040,000 | $263,509 |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Vista Bank | 4515 98th Street Lubbock, TX 79424 | Full Service B&M | $36,019 |
| Vista Bank | 4621 50th Street Lubbock, TX 79414 | Full Service B&M | $93,901 |
| Vista Bank | 1300 Summit Avenue, Suite 100 Fort Worth, TX 76102 | Full Service B&M | $88,465 |
| Vista Bank | 1508 Texas Avenue Lubbock, TX 79401 | Full Service Cyber Office | $435 |
| Vista Bank | 1523 Main Petersburg, TX 79250 | Full Service B&M | $25,146 |
| Vista Bank | 231 South Central Avenue Hamlin, TX 79520 | Full Service B&M | $33,475 |
| Vista Bank | 3000 Olton Road Plainview, TX 79072 | Full Service B&M | $32,067 |
| Vista Bank | 301 Main Street Idalou, TX 79329 | Full Service B&M | $47,703 |
| Vista Bank | 317 Main Abernathy, TX 79311 | Full Service B&M | $13,504 |
| Vista Bank | 3720 Jefferson Street Austin, TX 78731 | Full Service B&M | $39,131 |
| Vista Bank | 4350 19th Street Lubbock, TX 79407 | Full Service B&M | $43,616 |
| Vista Bank | 6801 Preston Road Dallas, TX 75205 | Limited, Drive-thru | $90,604 |
| Vista Bank | 701 Main Street Hale Center, TX 79041 | Full Service B&M | $44,773 |
| Vista Bank | 901 Main Street Ralls, TX 79357 | Full Service B&M | $52,408 |
| Vista Bank | Fifth And Union Rule, TX 79547 | Full Service B&M | $61,003 |
For 2019, Vista Bank had 15 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $42,447 |
| Net interest income | $33,812 |
| Total noninterest income | $2,791 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $2,001 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $790 |
| Pre-tax net operating income | $6,056 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $4,871 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $4,871 |
| Minority interest net income | $0 |
| Net income | $4,871 |
| Sale, conversion, retirement of capital stock, net | $3,552 |
| Net operating income | $4,871 |
Vista Bank's gross interest income from loans was $42,447,000.
Vista Bank's net interest income from loans was $33,812,000.
Vista Bank's fee based income from loans was $2,001,000.
Vista Bank's net income from loans was $4,871,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $8,635 |
| Provision for credit losses | $1,076 |
| Total noninterest expense | $29,471 |
| Salaries and employee benefits | $14,046 |
| Premises and equipment expense | $2,551 |
| Additional noninterest expense | $12,874 |
| Applicable income taxes | $1,185 |
| Net charge-offs | $222 |
| Cash dividends | $0 |
Vista Bank's interest expense for loans was $8,635,000.
Vista Bank's payroll and benefits expense were $14,046,000.
Vista Bank's property, plant and equipment expenses $2,551,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $781,968 |
| Deposits held in domestic offices | $781,968 |
| Deposits by Individuals, partnerships, and corporations | $709,653 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $72,315 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $61,790 |
| Demand deposits | $43,926 |
| Nontransaction accounts | $720,178 |
| Money market deposit accounts (MMDAs) | $187,392 |
| Other savings deposits (excluding MMDAs) | $321,869 |
| Total time deposits | $210,917 |
| Total time and savings deposits | $738,042 |
| Noninterest-bearing deposits | $221,279 |
| Interest-bearing deposits | $560,689 |
| Retail deposits | $670,593 |
| IRAs and Keogh plan accounts | $6,189 |
| Brokered deposits | $30,108 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $920,512 |
| Cash & Balances due from depository institutions | $191,693 |
| Interest-bearing balances | $181,870 |
| Total securities | $25,899 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $652,293 |
| Loan and leases loss allowance | $6,702 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $21,961 |
| Other real estate owned | $275 |
| Goodwill and other intangibles | $3,320 |
| All other assets | $25,071 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $920,512 |
| Total Liabilities | $836,443 |
| Total deposits | $781,968 |
| Interest-bearing deposits | $560,689 |
| Deposits held in domestic offices | $781,968 |
| % insured (estimated) | $64 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $42,805 |
| Subordinated debt | $0 |
| All other liabilities | $11,670 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $652,293 |
| Loan and leases loss allowance | $6,702 |
| Total loans and leases (domestic) | $658,995 |
| All real estate loans | $472,234 |
| Real estate loans in domestic offices | $472,234 |
| Construction and development loans | $109,570 |
| Residential 1-4 family construction | $18,129 |
| Other construction, all land development and other land | $91,441 |
| Loans secured by nonfarm nonresidential properties | $182,458 |
| Nonfarm nonresidential secured by owner-occupied properties | $76,600 |
| Commercial real estate & other non-farm, non-residential | $105,858 |
| Multifamily residential real estate | $53,451 |
| 1-4 family residential loans | $89,331 |
| Farmland loans | $37,424 |
| Loans held in foreign offices | $0 |
| Farm loans | $34,609 |
| Commercial and industrial loans | $138,330 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $5,720 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $4,046 |
| Other loans to individuals | $1,674 |
| All other loans & leases | $8,102 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $365 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,239 |
| Non 1-4 family restructured loans & leases | $2,239 |
| Total loans and leases (foreign) | $0 |
Vista Bank had $652,293,000 of loans outstanding in 2019. $472,234,000 of loans were in real estate loans. $109,570,000 of loans were in development loans. $53,451,000 of loans were in multifamily mortgage loans. $89,331,000 of loans were in 1-4 family mortgage loans. $34,609,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,046,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 129 | $33,138 | $256,884 |
| Nonfarm, nonresidential loans - <$100k | 35 | $1,273 | $36,371 |
| Nonfarm, nonresidential loans - $100-250k | 36 | $4,152 | $115,333 |
| Nonfarm, nonresidential loans - $250k-1MM | 58 | $27,713 | $477,810 |
| Commercial & Industrial, US addressed loans - <$1MM | 721 | $58,328 | $80,899 |
| Commercial & Industrial, US addressed loans - <$100k | 504 | $10,881 | $21,589 |
| Commercial & Industrial, US addressed loans - $100-250k | 120 | $13,321 | $111,008 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 97 | $34,126 | $351,814 |
| Farmland loans - <$1MM | 84 | $8,321 | $99,060 |
| Farmland loans - <$100k | 47 | $1,941 | $41,298 |
| Farmland loans - $100-250k | 28 | $3,490 | $124,643 |
| Farmland loans - $250k-1MM | 9 | $2,890 | $321,111 |
| Agriculture operations loans - <$1MM | 389 | $17,121 | $44,013 |
| Agriculture operations loans - <$100k | 289 | $6,190 | $21,419 |
| Agriculture operations loans - $100-250k | 63 | $4,812 | $76,381 |
| Agriculture operations loans - $250k-1MM | 37 | $6,119 | $165,378 |