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, Austin, Lubbock, Pullman, and Kalispell among others. We have data for 18 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
99Origination Dollar Volume (All Markets)
$84,005,000Top 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) | 32 | $36,870,000 | $1,152,188 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $23,485,000 | $3,355,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 30 | $7,520,000 | $250,667 | $0 | 0.00% |
| Pullman, WA (FHA|USDA|VA) | 5 | $3,265,000 | $653,000 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 0.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $2,055,000 | $2,055,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $1,605,000 | $1,605,000 | $0 | 0.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $0 | 0.00% |
| Plainview, TX (FHA|USDA|VA) | 7 | $895,000 | $127,857 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $700,000 | $350,000 | $0 | 0.00% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| Starkville, MS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Stephenville, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 0.00% |
| Levelland, TX (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 99 | $84,005,000 | $848,535 | $0 | 0.00% |
For 2022, Vista Bank's most frequently originated type of loan was Conventional, with 99 originations.
Loan Reason
For 2022, Vista Bank's most frequently cited loan purpose was Home Purchase, with 70 originations. The 2nd most popular reason was Refi, with 12 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 99 | $84,005,000 | $848,535 | $0 | 0.00% |
For 2022, Vista Bank's most frequently cited loan duration was Other, with 99 originations.
Loan Sizing
2022 saw Vista Bank place emphasis on $100,000 or less loans with 22 originations, totaling $1,240,000 in origination value.
Applicant Income
Vista Bank lent most frequently to those with incomes in the $250k+ range, with 12 originations. The second most popular income band? $50k or less, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 99 | $84,005,000 | $848,535 | $0 | 0.00% |
Vista Bank lent most frequently to those with DTI ratios of Exempt%, with 99 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.58%
Vista Bank has an average approval rate.
Pick Rate
Approvals leading to origination96.97%
Vista Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 99 | $84,005,000 | $848,535 |