Visio Financial Services Mortgage Rates, Fees & Info
Wilmington, DELEI: 5493006O6Q2F0MR0ZM22
Tax ID: 37-1739594
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Mortgage Data
Review & Overview
Visio Financial Services is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Visio Financial Services has a high proportion of conventional loans. Their top markets by origination volume include: New York, Philadelphia, Austin, Miami, and Atlanta among others. We have data for 130 markets. (Some data included below & more in-depth data is available with an active subscription.)Visio Financial Services has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 11/21/24 |
| 30 Year Conventional Refi | 6.27% | 11/21/24 |
| 30 Year Cash-out Refi | 6.27% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Visio Financial Services Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
742Origination Dollar Volume (All Markets)
$153,580,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 97 | $29,355,000 | $302,629 | $0 | 6.55% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 62 | $10,220,000 | $164,839 | $0 | 6.80% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 30 | $6,690,000 | $223,000 | $0 | 6.56% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 15 | $6,205,000 | $413,667 | $0 | 6.41% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 21 | $5,925,000 | $282,143 | $0 | 6.31% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 40 | $5,660,000 | $141,500 | $0 | 6.61% |
| Sevierville, TN (FHA|USDA|VA) | 17 | $5,305,000 | $312,059 | $0 | 6.31% |
| Outside of Metro Areas | 24 | $4,650,000 | $193,750 | $0 | 7.07% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 14 | $4,370,000 | $312,143 | $0 | 6.46% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 20 | $3,610,000 | $180,500 | $0 | 6.89% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 23 | $3,425,000 | $148,913 | $0 | 7.09% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 7 | $3,085,000 | $440,714 | $0 | 6.41% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $3,060,000 | $306,000 | $0 | 6.62% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 15 | $2,915,000 | $194,333 | $0 | 6.31% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 13 | $2,335,000 | $179,615 | $0 | 6.76% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $2,295,000 | $153,000 | $0 | 6.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 13 | $2,035,000 | $156,538 | $0 | 6.42% |
| ASHEVILLE, NC (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $0 | 6.34% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 10 | $1,840,000 | $184,000 | $0 | 7.10% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $1,660,000 | $166,000 | $0 | 6.69% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 11 | $1,595,000 | $145,000 | $0 | 6.91% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $0 | 7.23% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 11 | $1,525,000 | $138,636 | $0 | 6.80% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $0 | 6.76% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $1,260,000 | $157,500 | $0 | 6.78% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $0 | 6.76% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $0 | 5.83% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $0 | 6.27% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 7 | $1,195,000 | $170,714 | $0 | 6.78% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 8 | $1,130,000 | $141,250 | $0 | 7.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $0 | 7.14% |
| PITTSBURGH, PA (FHA|USDA|VA) | 10 | $1,050,000 | $105,000 | $0 | 6.90% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $0 | 7.03% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $0 | 6.77% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $0 | 6.30% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 10 | $1,000,000 | $100,000 | $0 | 7.16% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $0 | 6.21% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $0 | 6.61% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 5.93% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $0 | 6.61% |
| Key West, FL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 6.85% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $0 | 6.93% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $740,000 | $123,333 | $0 | 6.94% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $0 | 6.23% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 6.73% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 6.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $0 | 7.03% |
| UTICA-ROME, NY (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 6.94% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $0 | 6.30% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $0 | 7.39% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 7.03% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 6.13% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 8.15% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $0 | 7.29% |
| TYLER, TX (FHA|USDA|VA) | 5 | $485,000 | $97,000 | $0 | 6.70% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $0 | 7.04% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 6.67% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 6.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 6.28% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 6.58% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 8.33% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 6.19% |
| SYRACUSE, NY (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $0 | 6.91% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $0 | 7.40% |
| Newport, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 6.30% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 5.80% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 6.86% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 6.95% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 6.51% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 7.33% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 7.10% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 6.81% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 6.75% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 6.20% |
| Athens, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.58% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 7.05% |
| Holland, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.18% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.60% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.98% |
| READING, PA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 7.73% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 6.03% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.83% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.04% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.49% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.48% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.15% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 9.05% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.60% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.38% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.03% |
| OCALA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.88% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 6.93% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.93% |
| Garden City, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.23% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.40% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.03% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 7.21% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.35% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.35% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.23% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.85% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.35% |
| WACO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.03% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.30% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.83% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.18% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.03% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.58% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.85% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.23% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.93% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.83% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.53% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.18% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.28% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.48% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.28% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.23% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.60% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.58% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.10% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.20% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.13% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.18% |
| TULSA, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.48% |
| Kinston, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.20% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 742 | $153,580,000 | $206,981 | $0 | 6.74% |
For 2020, Visio Financial Services's most frequently originated type of loan was Conventional, with 742 originations.
Loan Reason
For 2020, Visio Financial Services's most frequently cited loan purpose was Cash Out Refi, with 428 originations. The 2nd most popular reason was Home Purchase, with 204 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 742 | $153,580,000 | $206,981 | $0 | 6.74% |
For 2020, Visio Financial Services's most frequently cited loan duration was 30 Year, with 742 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 432 | $103,450,000 | $239,468 |
| 7-8% | 175 | $23,465,000 | $134,086 |
| 5-6% | 92 | $22,110,000 | $240,326 |
| Over 8% | 42 | $4,310,000 | $102,619 |
| 4-5% | 1 | $245,000 | $245,000 |
During 2020, Visio Financial Services's average interest rate for loans was 6.74%, while their most frequently originated rate bucket for loans was 6-7%, with 432 originations.
Loan Sizing
2020 saw Visio Financial Services place emphasis on $100k-200k loans with 344 originations, totaling $47,240,000 in origination value.
Ethnicity Mix
Approval Rates
Total approvals of all applications75.00%
Visio Financial Services has a below average approval rate.
Pick Rate
Approvals leading to origination53.23%
Visio Financial Services has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 742 | $153,580,000 | $206,981 |