Applications / Mortgage Analytics / Lenders / South Carolina / RoundPoint Mortgage Servicing
Fort Mill, SC · Independent non-bank lender · CFPB · 1,430 loans in 2025
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1,430
loans originated, 2025
2,370
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RoundPoint Mortgage Servicing nearly doubled its lending in 2025, but its loans look little like a typical lender's: about half fall outside home purchase and refinance.
Other-purpose loans made up 49.1% of its lending and refinances 34.1%; home purchases were only 16.9%. Some 95.7% of its loans were conventional, against 66.3% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. That mix suggests a servicer lending mainly to homeowners rather than buyers.
Its typical rate was 4.50%, against 6.62% at similar lenders, the lowest in the group. A year earlier it was 3.38%. Which loans carry rates that low in 2025 is a question the reports leave open.
It made 11,563 loans in 2020, then 5,795 in 2021 and 4,800 in 2022. In 2023 it reported only 58. Since then it has rebuilt to 766 and now 1,430, a rise of 87% that outpaced nearly all similar lenders, whose loans grew 5%.
It lends in 50 states and 256 metros, but holds a large share of none. In Charlotte-Concord-Gastonia it ranks 213 of 775 lenders with 0.1%. In Los Angeles, its largest market, it ranks 301 of 757.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. RoundPoint Mortgage Servicing took 2,370 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 49.1% · Refinance 34.1% · Purchase 16.9%
Conventional 95.7% · FHA 4.3% · of 1,430 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 173 | 12.1% |
| Texas | 112 | 7.8% |
| Florida | 91 | 6.4% |
| North Carolina | 78 | 5.5% |
| Washington | 59 | 4.1% |
| Michigan | 55 | 3.8% |
| Georgia | 50 | 3.5% |
| Illinois | 48 | 3.4% |
| Minnesota | 48 | 3.4% |
| Colorado | 46 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 47 |
| Los Angeles-Long Beach-Glendale | 39 |
| Minneapolis-St. Paul-Bloomington | 37 |
| Chicago-Naperville-Schaumburg | 31 |
| Dallas-Plano-Irving | 30 |
| Atlanta-Sandy Springs-Roswell | 29 |
| Denver-Aurora-Centennial | 29 |
| Phoenix-Mesa-Chandler | 29 |
| Warren-Troy-Farmington Hills | 28 |
| Houston-Pasadena-The Woodlands | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000IIYWBLONJVJ30 | 2020–2025 |
Established 15 June 2018. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: RoundPoint Mortgage Servicing's data.
RoundPoint Mortgage Servicing's data
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RoundPoint Mortgage Servicing and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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