Vision Lending Services, LLC Mortgage Lending & HMDA Data, 2023
In 2023, Vision Lending Services, LLC of San Ramon, CA reported 144 mortgage applications totaling $50.6 million, down 29% from 2022. The average application was for $351,666, and applicants reported an average income of $141,659. 88% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Raleigh, NC (41), Myrtle Beach-Conway-North Myrtle Beach, SC-NC (30) and Fayetteville, NC (29) (applications in parentheses).
| Mortgage Company & Address | Vision Lending Services, LLC 1618 Glenwood Ave Suite 201 San Ramon, CA 94583 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 144 |
| Total Mortgage Loan Application Amount | $50,640,000 |
| Average Mortgage Loan Application Amount | $351,666 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $141,659 |
| Highest Applicant Income | $1,596,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vision Lending Services, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Raleigh, NC | 41 | $ 15,105,000 | $ 368,414 | $ 168,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 30 | $ 8,790,000 | $ 293,000 | $ 103,000 |
| Fayetteville, NC | 29 | $ 11,215,000 | $ 386,724 | $ 124,000 |
| Wilmington, NC | 27 | $ 8,765,000 | $ 324,629 | $ 165,000 |
| Outside any metro area | 17 | $ 6,765,000 | $ 397,941 | $ 144,000 |
Mortgage Loan Application Detail Totals for Vision Lending Services, LLC in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 143 | $50,285,000 | $351,000 | $635,000 | $142,000 | $1,596,000 |
| Cash-out Refinancing | 1 | $355,000 | $355,000 | $355,000 | $93,000 | $93,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 106 | $35,390,000 | $333,000 | $615,000 | $134,000 | $600,000 |
| Black or African American | 21 | $8,695,000 | $414,000 | $635,000 | $119,000 | $180,000 |
| Asian | 6 | $2,350,000 | $391,000 | $505,000 | $390,000 | $1,596,000 |
| Hispanic | 5 | $1,745,000 | $349,000 | $455,000 | $116,000 | $184,000 |
| Not Provided | 3 | $1,245,000 | $415,000 | $525,000 | $129,000 | $159,000 |
| American Indian or Alaskan Native | 1 | $425,000 | $425,000 | $425,000 | $138,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 74 | $22,500,000 | $304,000 | $565,000 | $159,000 | $1,596,000 |
| VA-guaranteed (Veterans Administration) | 50 | $20,670,000 | $413,000 | $635,000 | $126,000 | $275,000 |
| FHA-insured (Federal Housing Administration) | 20 | $7,470,000 | $373,000 | $515,000 | $121,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 126 | $44,070,000 | $349,000 | $635,000 | $130,000 | $600,000 |
| Application Withdrawn By Applicant | 11 | $4,145,000 | $376,000 | $525,000 | $295,000 | $1,596,000 |
| Application Approved But Not Accepted | 7 | $2,425,000 | $346,000 | $545,000 | $109,000 | $131,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 144 | $50,640,000 | $351,000 | $635,000 | $142,000 | $1,596,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vision Lending Services, LLC's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Vision Lending Services, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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