What loan types does Vision Lending Services offer?

Vision Lending Services offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Vision Lending Services offer mortgages?

Vision Lending Services offers mortgages in 1 states: NC.

How competitive are Vision Lending Services's mortgage rates?

Vision Lending Services has an overall pricing score of 35.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Vision Lending Services?

Vision Lending Services is a Independent Mortgage Company headquartered in SAN RAMON, CA.

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Vision Lending Services

Independent Mortgage Company•San Ramon, CAHQ•Direct•Reviews near you on Google

Vision Lending Services has 132 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Single State · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Superstar

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Vision Lending Services performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

Rates 2.2 bps below market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

52 loans · 0.25% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

19 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

61 loans · 0.46% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

132 loans · 0.02% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Sound	52	39.4%	+0.254%Above	$3,057Fees
FHA Loans	Strong	Sound	—	Strong	19	14.4%	+0.168%Above	$1,865Fees
VA Loans	Strong	Strong	Sound	Exceptional	61	46.2%	-0.464%Below	$3,714Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume52

Mix39.4%

Spread

+0.254%Above

Fees

$3,057Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume19

Mix14.4%

Spread

+0.168%Above

Fees

$1,865Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume61

Mix46.2%

Spread

-0.464%Below

Fees

$3,714Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Strong	132	100.0%	-0.022%Below	$3,107Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume132

Mix100.0%

Spread

-0.022%Below

Fees

$3,107Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

132

Applications

144

Volume

$50 million

Pricing & Closing

Avg Rate Spread

-0.022%

vs. market APOR

Avg Net Fees

$3,107

Origination − Credits

Pullthrough Rate

91.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$381,742

Avg Borrower Income

$136,220

Avg Property Value

$457,879

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

South1

Top Metro Areas by Place Specialization Score

Pinehurst, NCMetro

Volume 29Mix 21.97% of portfolio

73/100

Strong

Fayetteville, NCMetro

Volume 34Mix 25.76% of portfolio

69/100

Strong

Raleigh, NCMetro

Volume 28Mix 21.21% of portfolio

59/100

Sound

Wilmington, NCMetro

Volume 19Mix 14.39% of portfolio

58/100

Sound

Top States by Place Specialization Score

North CarolinaState

Volume 132Mix 100.00% of portfolio

69/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.