Vista Point Mortgage in Tennessee vs the state
15.8%Denial rate-1.35 pts vs state
17.7%Decision denial rate-4.03 pts vs state
71.1%Origination rate+12.97 pts vs state
7.25%Median rate+0.63 pts vs state
0.51Rate spread (pts)+0.28 pts vs state
$611kMedian applicant income
27Loans originated
6Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 2 | 18.2% | 8.94% | #600 |
| 2024 | 10 | 3 | 30.0% | 8.38% | #612 |
| 2025 | 38 | 27 | 15.8% | 7.25% | #454 |
What Vista Point Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 8 | 8 | 0 | 0.0% |
| Davidson County | 5 | 2 | 2 | 40.0% |
| Bradley County | 4 | 4 | 0 | 0.0% |
| Knox County | 4 | 3 | 0 | 0.0% |
| Rutherford County | 3 | 1 | 1 | 33.3% |
| Sevier County | 3 | 2 | 0 | 0.0% |
| Williamson County | 3 | 2 | 1 | 33.3% |
| Montgomery County | 2 | 1 | 1 | 50.0% |
| Maury County | 1 | 0 | 0 | 0.0% |
| Sullivan County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 38 applications in 2025, of which 27 were originated and 6 denied.
15.8% of all applications, or 17.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Vista Point Mortgage originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology