Get & compare mortgage quotes anonymously Start in My Home
VLS
Unclaimed

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.

Safe Rate 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
Safe Rate Awards
VA Superstar
VA
Superstar

Safe Rate 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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

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

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
4
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
NC

Top Metro Areas by Place Specialization Score

1© Pryor Emerson Humphrey · No restrictions
Pinehurst, NCMetro
Volume 29Mix 21.97% of portfolio
73/100
Strong
2© Brandonrush · CC BY-SA 3.0
Fayetteville, NCMetro
Volume 34Mix 25.76% of portfolio
69/100
Strong
3© Catherine from Brooklyn, NY · CC BY 2.0
Raleigh, NCMetro
Volume 28Mix 21.21% of portfolio
59/100
Sound
4© Bjoertvedt · CC BY-SA 4.0
Wilmington, NCMetro
Volume 19Mix 14.39% of portfolio
58/100
Sound

Top States by Place Specialization Score

North Carolina
North Carolina
1
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 our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.

Looking for a different lender?

Are you the owner of Vision Lending Services?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.