# Visions Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/visions-federal-credit-union


> **📋 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


Visions Federal Credit Union is a credit union, headquartered in Endwell, NY, serving borrowers across 3 states, with 108 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 88% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TDVGWRELEO5F50
- **Headquarters:** Endwell, NY
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** NJ, NY, PA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.183%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,003
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 108
- **Dollar Volume:** $18 million
- **Applications Received:** 336
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $164,722
- **Average Borrower Income:** $107,167
- **Average Property Value:** $241,019

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 108 | +0.183% | $1,003 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 95 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 95 | $16M | +0.199% | Sound ☺️ |
| Refinance | 22/100 | 13 | $2M | +0.057% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 94 | 0.08% | 68/100 |
| NJ | 10 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Binghamton, NY | NY | 63 | 80/100 |
| Non |  | 17 | 33/100 |
| Elmira, NY | NY | 10 | 48/100 |

## Where This Lender Ranks

Visions Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Binghamton, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Elmira, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#14** in Binghamton, NY
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders)
- 🏆 **#14** in Elmira, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Binghamton, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Visions Federal Credit Union offer?

Visions Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Visions Federal Credit Union offer mortgages?

Visions Federal Credit Union offers mortgages in 3 states: NJ, NY, PA.

### How competitive are Visions Federal Credit Union's mortgage rates?

Visions Federal Credit Union has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.183% above market average.

### What type of lender is Visions Federal Credit Union?

Visions Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Endwell, NY.

### What is Visions Federal Credit Union's loan approval success rate?

Visions Federal Credit Union has a pull-through score of 12/100 (Mediocre). 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/visions-federal-credit-union

### How to Cite

> "Visions Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/visions-federal-credit-union

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