A handful of loans a year
It made 15 loans in 2025, the same as in 2024. A typical similar lender (credit unions making between half and twice as many loans) made 22. Since 2018 it has made between 15 and 39 loans a year, the most in 2022.
Applications / Mortgage Analytics / Lenders / North Carolina / Vision Financial Federal Credit Union
Vision Financial Federal Credit Union
Durham, NC · Credit union · NCUA · $59.2 million assets · 15 loans in 2025
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15
loans originated, 2025
22
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vision Financial Federal Credit Union, a $59.2 million credit union in Durham, North Carolina, is a very small home lender whose 15 loans in 2025 were for home improvement and other purposes, not home purchase.
Not a purchase lender
None of its loans in 2025 was for buying a home or refinancing one. All were for home improvement or other purposes, and all were conventional.
Too few loans to judge
With 15 loans, its shares of lower-income borrowers, poorer neighborhoods, manufactured homes and loan types rest on too few loans to compare with peers. Its rates and denial rates could not be measured, and nor could similar lenders' denial rates.
A long, local record
It first reported under HMDA in 1993 and has lent in Durham-Chapel Hill since then. Its lending covers four counties in North Carolina, in two metros and the state's rural areas; it entered Fayetteville in 2016.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
15 loans in 2025, against a peak of 39 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vision Financial Federal Credit Union took 22 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
66.7% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 66.7% · Other 33.3%
Conventional 100.0% · of 15 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
1 state, 2 metros, 4 counties
| State | Loans | Share |
|---|---|---|
| North Carolina | 15 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Durham-Chapel Hill | 12 |
| Fayetteville | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YMPH2H8CM5WS98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 972983 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513492 | 1993–2017 |
Established 1 January 1960. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Vision Financial Federal Credit Union's data.
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