Visionbank Mortgage Rates, Fees & Info
Topeka, KSLEI: 5493008CNPUHZU5S1E85
Tax ID: 20-2538109
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Visionbank is a smaller bank specializing in Home Purchase and Refi loans. Visionbank has a high proportion of conventional loans. Their top markets by origination volume include: Topeka, Kansas City, and Lawrence among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Visionbank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
82Origination Dollar Volume (All Markets)
$15,650,000Top 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 |
|---|---|---|---|---|---|
| TOPEKA, KS (FHA|USDA|VA) | 71 | $12,325,000 | $173,592 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $2,260,000 | $376,667 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $350,000 | $175,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 82 | $15,650,000 | $190,854 | $0 | 0.00% |
For 2022, Visionbank's most frequently originated type of loan was Conventional, with 82 originations.
Loan Reason
For 2022, Visionbank's most frequently cited loan purpose was Home Purchase, with 52 originations. The 2nd most popular reason was Refi, with 24 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 82 | $15,650,000 | $190,854 | $0 | 0.00% |
For 2022, Visionbank's most frequently cited loan duration was Other, with 82 originations.
Loan Sizing
2022 saw Visionbank place emphasis on $100k-200k loans with 32 originations, totaling $4,750,000 in origination value.
Applicant Income
Visionbank lent most frequently to those with incomes in the $50k-75k range, with 21 originations. The second most popular income band? $75k-100k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 82 | $15,650,000 | $190,854 | $0 | 0.00% |
Visionbank lent most frequently to those with DTI ratios of Exempt%, with 82 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.75%
Visionbank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination93.90%
Visionbank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 82 | $15,650,000 | $190,854 |