# Vision Bank

> **Canonical URL:** https://saferate.com/lenders/vision-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Vision Bank is a bank, headquartered in Ada, OK, with 99 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300SNAY3J7NZEU618
- **Headquarters:** Ada, OK
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OK
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.275%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,132
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 99
- **Dollar Volume:** $28 million
- **Applications Received:** 154
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $286,313
- **Average Borrower Income:** $144,091
- **Average Property Value:** $415,808

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 95 | +0.301% | $1,089 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 79 loans, Score: 31/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 83 | $26M | +0.168% | Acceptable 🙂 |
| Refinance | 29/100 | 16 | $3M | +0.674% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 99 | 0.24% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 78 | 58/100 |
| Oklahoma City, OK | OK | 18 | 53/100 |

## Frequently Asked Questions

### What loan types does Vision Bank offer?

Vision Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Vision Bank offer mortgages?

Vision Bank offers mortgages in 1 states: OK.

### How competitive are Vision Bank's mortgage rates?

Vision Bank has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.275% above market average.

### What type of lender is Vision Bank?

Vision Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Ada, OK.

### What is Vision Bank's loan approval success rate?

Vision Bank has a pull-through score of 32/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/vision-bank

### How to Cite

> "Vision Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vision-bank

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