Vision Mortgage Group

What Vision Mortgage Group does

Vision Mortgage Group is a retail residential mortgage lender operating as a consumer-facing division of Alameda Mortgage Corporation, a privately-held California mortgage company founded in 1968 (NMLS #271603). The company originates and services home loans for individual borrowers, with mortgage lending licenses held across 14 US states (Arizona, California, Georgia, Minnesota, North Carolina, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Washington, and Wyoming). Its physical distribution consists of branch offices concentrated in Oregon (Portland, Lake Oswego, Salem, Baker City, Astoria) plus expansion hubs in Georgia (Norcross) and South Carolina (Fort Mill, Landrum), with a centralized mortgage servicing operation based in Walnut Creek, California.

The company's product portfolio spans the full residential mortgage spectrum: Fixed-Rate Mortgages, FHA loans (with down payments as low as 3.5%), VA loans for military service members, USDA rural housing loans (100% financing), Adjustable Rate Mortgages (ARM), Jumbo Loans for high-value properties, and Down Payment Assistance (DPA) programs. Technology infrastructure consists of a secure online portal (connect.visionmtg.com) supporting document upload, electronic disclosure signing, and loan status tracking, integrated with PaySimple for electronic mortgage payment processing. The company relies on Google for behaviorally targeted digital advertising and analytics. No AI/ML capabilities, mobile applications, or APIs are disclosed.

The business model combines transactional origination revenue (origination fees as a percentage of loan amount at closing) with recurring servicing income from the retained loan portfolio serviced in-house. The go-to-market is sales-led through a network of branch-based loan officers who provide consultation, pre-approval, underwriting coordination, and closing services, supplemented by the online self-service application portal. The customer base is long-tail and diversified across multiple borrower segments (home buyers, military veterans, rural property buyers, first-time and lower-credit borrowers, and high-net-worth jumbo borrowers), with over 1,000 borrowers funded annually. President Mark Charlton (NMLS 843164) leads the division and has personally funded over $1 billion in loans throughout his career.

Name

Vision Mortgage Group

Legal name

Alameda Mortgage Corporation

Website

https://visionmortgagegroup.com

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

11–50 employees

Short description

Vision Mortgage Group is a retail residential mortgage lender and division of Alameda Mortgage Corporation (founded 1968), originating and servicing home loans across 14 US states for individual homebuyers, veterans, rural buyers, and first-time borrowers through a loan officer network and online portal.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM), Bank Branch / Retail Purchase Mortgages (FSALAAAA)

Keywords

• Mortgage lending services
• Home purchase loans
• FHA VA USDA loans
• Mortgage refinancing
• Down payment assistance

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: The company earns revenue through originating mortgage loans for home purchases and refinances. Revenue is generated through origination fees charged to borrowers at closing, which are typically a percentage of the loan amount.
2. Mortgage Servicing: The company services mortgages it originates, collecting monthly payments from borrowers and managing escrow accounts. Servicing operations are based in Walnut Creek, CA.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Vision Mortgage Group originates and services residential mortgage loans for home purchases and refinances across more than a dozen US states. Its core products include Fixed-Rate Mortgages, FHA, VA, USDA, ARM, Jumbo, and Down Payment Assistance loans, delivered through a combination of branch-based loan officers, a self-service online application portal, and electronic document signing and payment capabilities. The company also services its originated loans through a Walnut Creek, California operations center, collecting monthly payments and managing escrow accounts.

Product overview

Vision Mortgage Group offers a comprehensive suite of mortgage lending products through its digital platform. The core product portfolio includes Fixed-Rate Mortgages, FHA Loans, USDA Loans, VA Loans, Adjustable Rate Mortgages (ARM), Jumbo Loans, and Down Payment Assistance (DPA) programs. These products are designed to serve various borrower profiles, from first-time homebuyers with lower credit scores (FHA) to military veterans (VA), rural property buyers (USDA), and those seeking high-value financing (Jumbo). The company provides a secure online portal for document uploads, electronic disclosure signing, and status tracking, alongside traditional loan officer consultation services.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Each year more than a thousand Americans utilize Vision Mortgage Group to obtain their mortgage
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• GoogleminorGTM or Marketing PartnerGoogle serves as a third-party advertising network serving targeted ads to website visitors based on past visits. Google also provides analytics and advertising optimization services through cookies and web beacons.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Caliber Home Loans: Retail and wholesale mortgage originator with strong servicing operations and a wide product menu. Closely comparable to Vision Mortgage Group in serving retail consumers via branch-based loan officers while maintaining a meaningful servicing portfolio.
• PrimeLending: Multi-state retail mortgage originator owned by PlainsCapital Bank, offering conventional, FHA, VA, USDA, and Jumbo loans through a branch-based loan officer model. Similar in geographic spread and relationship-driven origination strategy.
• Homebridge Financial Services: Privately-held mortgage lender offering retail and wholesale origination across multiple states, including FHA, VA, and conventional products. Comparable scale and multi-state footprint to Vision Mortgage Group.
• Movement Mortgage: Privately-held retail mortgage lender with a national branch network of loan officers and a focus on purchase origination. Highly comparable in GTM motion (sales-led, loan officer-driven) and product set.
• Guild Mortgage: Multi-state retail mortgage lender offering conventional, FHA, VA, USDA, and Jumbo products through a branch-based loan officer model. Highly comparable to Vision Mortgage Group in product mix, branch distribution, and emphasis on relationship-led origination across secondary U.S. markets.
• New American Funding: Privately-held retail mortgage lender operating in 50 states with a focus on purchase financing for diverse borrower profiles, including government-insured and DPA products. Comparable to Vision Mortgage Group in product breadth and retail channel emphasis.
• NewRez (New Residential Mortgage): National retail and wholesale mortgage originator with a multi-channel loan officer model and a servicing portfolio. Comparable to Vision Mortgage Group in product breadth (FHA, VA, conventional, Jumbo) and its combination of origination and servicing operations.

Broad incumbents

• loanDepot: Large national mortgage lender with both retail loan officer and direct-to-consumer digital channels. Competes head-to-head with Vision Mortgage Group in purchase and refinance origination across overlapping licensed states.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender and broader industry benchmark. While primarily wholesale, UWM sets industry pricing and technology standards that directly influence retail competitors like Vision Mortgage Group.
• Rocket Mortgage: Largest U.S. retail mortgage lender, primarily digital, offering conventional, FHA, VA, and Jumbo products. Sets the speed and digital UX benchmark against which smaller lenders like Vision Mortgage Group must differentiate.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/visiongroupmc
• LinkedInlinkedin.com/company/vision-mortgage-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vision Mortgage Group