Vista Point Mortgage in South Carolina vs the state
24.1%Denial rate+5.83 pts vs state
25.9%Decision denial rate+2.46 pts vs state
62.1%Origination rate+5.46 pts vs state
7.87%Median rate+1.37 pts vs state
2.22Rate spread (pts)+2.00 pts vs state
$212kMedian applicant income
18Loans originated
7Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 20.0% | 7.94% | #513 |
| 2024 | 11 | 7 | 0.0% | 8.00% | #521 |
| 2025 | 29 | 18 | 24.1% | 7.87% | #401 |
What Vista Point Mortgage lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 9 | 3 | 5 | 55.6% |
| Beaufort County | 4 | 3 | 0 | 0.0% |
| Greenville County | 2 | 2 | 0 | 0.0% |
| Oconee County | 2 | 1 | 1 | 50.0% |
| Richland County | 2 | 2 | 0 | 0.0% |
| Dorchester County | 1 | 0 | 0 | 0.0% |
| York County | 1 | 1 | 0 | 0.0% |
| Sumter County | 1 | 0 | 1 | 100.0% |
| Laurens County | 1 | 1 | 0 | 0.0% |
| Spartanburg County | 1 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 29 applications in 2025, of which 18 were originated and 7 denied.
24.1% of all applications, or 25.9% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Vista Point Mortgage originated in South Carolina in 2025 was 7.87%, against a statewide median of 6.50%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology