Vista Point Mortgage in North Carolina vs the state
26.6%Denial rate+8.50 pts vs state
29.3%Decision denial rate+6.49 pts vs state
56.3%Origination rate-1.56 pts vs state
7.63%Median rate+1.13 pts vs state
1.71Rate spread (pts)+1.62 pts vs state
$202kMedian applicant income
36Loans originated
17Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 19 | 26.5% | 8.00% | #427 |
| 2024 | 17 | 12 | 11.8% | 8.31% | #529 |
| 2025 | 64 | 36 | 26.6% | 7.63% | #367 |
What Vista Point Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 13 | 9 | 2 | 15.4% |
| Guilford County | 6 | 1 | 1 | 16.7% |
| Wayne County | 5 | 4 | 1 | 20.0% |
| Gaston County | 4 | 4 | 0 | 0.0% |
| Wake County | 4 | 2 | 1 | 25.0% |
| Catawba County | 3 | 2 | 1 | 33.3% |
| Swain County | 3 | 1 | 2 | 66.7% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Iredell County | 2 | 1 | 0 | 0.0% |
| Watauga County | 2 | 1 | 1 | 50.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 64 applications in 2025, of which 36 were originated and 17 denied.
26.6% of all applications, or 29.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Vista Point Mortgage originated in North Carolina in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology