Vision Bank
Vision Bank received 303 applications in 2025 and made 226 mortgages, in 29 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $160,000. Of 269 decisions, 39 were denials — 14.5%, most often for credit history.
| Legal Entity Identifier | 549300SNAY3J7NZEU618 |
|---|---|
| Applications received | 303 |
| Mortgages made | 226 |
| Denied | 39 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 34 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.052 points |
| FDIC-insured bank | Yes: Vision Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 147 | 7.250% | $195,000 | 8.5% |
| Refinancing | 58 | 7.700% | $125,000 | 23.7% |
| Other purposes | 21 | 7.980% | $55,000 | 24.1% |
Where Vision Bank lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pontotoc County, OK | 75 | 7.250% | 13.6% |
| Bryan County, OK | 24 | 7.750% | 3.9% |
| Murray County, OK | 24 | 7.375% | 14.3% |
| Pottawatomie County, OK | 19 | 7.500% | 16.7% |
| Lincoln County, OK | 15 | 7.500% | 28.6% |
| Cleveland County, OK | 10 | 7.000% | 9.1% |
| Garvin County, OK | 8 | Under 10 loans | 11.1% |
| Marshall County, OK | 8 | Under 10 loans | 20.0% |
| Hughes County, OK | 6 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 6 | Under 10 loans | 25.0% |
| Okfuskee County, OK | 5 | Under 10 loans | 16.7% |
| Johnston County, OK | 4 | Under 10 loans | 0.0% |
| Seminole County, OK | 4 | Under 10 loans | 33.3% |
| Carter County, OK | 3 | Under 10 loans | 0.0% |
| Colfax County, NM | 2 | Under 10 loans | 0.0% |
| Coal County, OK | 2 | Under 10 loans | 0.0% |
| Grady County, OK | 2 | Under 10 loans | 25.0% |
| Pawnee County, OK | 2 | Under 10 loans | 0.0% |
| Atoka County, OK | 1 | Under 10 loans | 0.0% |
| Canadian County, OK | 1 | Under 10 loans | 0.0% |
| Creek County, OK | 1 | Under 10 loans | 0.0% |
| Kay County, OK | 1 | Under 10 loans | 0.0% |
| McClain County, OK | 1 | Under 10 loans | 0.0% |
| Pushmataha County, OK | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Choctaw County, OK | 0 | Under 10 loans | 100.0% |
| McIntosh County, OK | 0 | Under 10 loans | 100.0% |
| Okmulgee County, OK | 0 | Under 10 loans | Not published |
| Osage County, OK | 0 | Under 10 loans | Not published |
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When Vision Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.