# VISION LENDING SERVICES, LLC

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


> **📋 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 LENDING SERVICES, LLC is a independent mortgage company, headquartered in SAN RAMON, CA, with 132 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493003L116PF34B0H88
- **Headquarters:** SAN RAMON, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NC
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.022%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,107
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 132
- **Dollar Volume:** $50 million
- **Applications Received:** 144
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $381,742
- **Average Borrower Income:** $136,220
- **Average Property Value:** $457,879

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 52 | +0.254% | $3,057 | Acceptable 🙂 |
| FHA | 52/100 | 19 | +0.168% | $1,865 | Sound ☺️ |
| VA | 70/100 | 61 | -0.464% | $3,714 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 52 loans, Score: 28/100 (Acceptable)

**VA:**
- Purchase: 61 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 132 | $50M | -0.022% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 132 | 0.09% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fayetteville, NC | NC | 34 | 69/100 |
| Pinehurst | NC | 29 | 73/100 |
| Raleigh | NC | 28 | 59/100 |
| Wilmington, NC | NC | 19 | 58/100 |

## Where This Lender Ranks

VISION LENDING SERVICES, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Pinehurst for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Fayetteville, NC for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fayetteville-nc/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Pinehurst for VA Loans
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/va-loans)
- 🏆 **#16** in Pinehurst Mortgage Companies
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Fayetteville, NC for VA Loans
  - [View Full Rankings](https://saferate.com/fayetteville-nc/best-mortgage-lenders/va-loans)
- 🏆 **#18** in Pinehurst for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does VISION LENDING SERVICES, LLC offer?

VISION LENDING SERVICES, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VISION LENDING SERVICES, LLC offer mortgages?

VISION LENDING SERVICES, LLC offers mortgages in 1 states: NC.

### How competitive are VISION LENDING SERVICES, LLC's mortgage rates?

VISION LENDING SERVICES, LLC has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.022% below market average.

### What type of lender is VISION LENDING SERVICES, LLC?

VISION LENDING SERVICES, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SAN RAMON, CA.

### What is VISION LENDING SERVICES, LLC's loan approval success rate?

VISION LENDING SERVICES, LLC has a pull-through score of 54/100 (Sound). 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-lending-services

### How to Cite

> "VISION LENDING SERVICES, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vision-lending-services

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