Vista Point Mortgage in Georgia vs the state
11.2%Denial rate-8.01 pts vs state
12.5%Decision denial rate-12.57 pts vs state
71.6%Origination rate+17.46 pts vs state
7.38%Median rate+0.75 pts vs state
1.28Rate spread (pts)+1.01 pts vs state
$424kMedian applicant income
83Loans originated
13Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 12 | 14.3% | 8.06% | #543 |
| 2024 | 42 | 26 | 11.9% | 8.31% | #449 |
| 2025 | 116 | 83 | 11.2% | 7.38% | #317 |
What Vista Point Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 23 | 12 | 4 | 17.4% |
| Gwinnett County | 13 | 13 | 0 | 0.0% |
| Cobb County | 11 | 9 | 2 | 18.2% |
| Rockdale County | 11 | 6 | 2 | 18.2% |
| DeKalb County | 7 | 5 | 2 | 28.6% |
| Clayton County | 6 | 5 | 0 | 0.0% |
| Douglas County | 5 | 4 | 0 | 0.0% |
| Tattnall County | 5 | 5 | 0 | 0.0% |
| Forsyth County | 4 | 3 | 0 | 0.0% |
| Chatham County | 4 | 3 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 116 applications in 2025, of which 83 were originated and 13 denied.
11.2% of all applications, or 12.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Vista Point Mortgage originated in Georgia in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology