Vista Point Mortgage in Maryland vs the state
29.4%Denial rate+10.61 pts vs state
38.5%Decision denial rate+14.33 pts vs state
47.1%Origination rate-8.65 pts vs state
7.69%Median rate+1.06 pts vs state
3.19Rate spread (pts)+2.94 pts vs state
$256kMedian applicant income
8Loans originated
5Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 0.0% | 10.56% | #554 |
| 2024 | 8 | 5 | 12.5% | 9.00% | #506 |
| 2025 | 17 | 8 | 29.4% | 7.69% | #422 |
What Vista Point Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 8 | 4 | 3 | 37.5% |
| Prince George's County | 4 | 3 | 1 | 25.0% |
| St. Mary's County | 2 | 0 | 0 | 0.0% |
| Calvert County | 1 | 0 | 0 | 0.0% |
| Wicomico County | 1 | 0 | 1 | 100.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 17 applications in 2025, of which 8 were originated and 5 denied.
29.4% of all applications, or 38.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Vista Point Mortgage originated in Maryland in 2025 was 7.69%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology