# Vellum Mortgage, Inc. > **Canonical URL:** https://saferate.com/lenders/vellum-mortgage > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible Vellum Mortgage, Inc. is a independent mortgage company, headquartered in Fairfax, VA, serving borrowers across 17 states, with 1,353 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 59% of lenders for competitive rates - **Approval Rate:** Ranks in the top 23% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300IPUHFA5O769M51 - **Headquarters:** Fairfax, VA - **Geographic Reach:** Multi-Region - **States Served:** 17 - **State List:** AZ, CA, DC, FL, GA, ID, MA, MD, NC, NJ, OR, PA, SC, TN, TX, VA, WV - **Markets (MSAs):** 13 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 41/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 77/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.237% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,456 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 1,353 - **Dollar Volume:** $704 million - **Applications Received:** 1,645 - **Market Share:** 4.00% ## Typical Borrower Profile - **Average Loan Amount:** $520,381 - **Average Borrower Income:** $175,845 - **Average Property Value:** $667,291 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (63%) - ⭐ **FHA Gold Superstar** (63%) - ⭐ **VA Gold Superstar** (63%) - ⭐ **Purchase Gold Superstar** (63%) - ⭐ **Refinance Gold Superstar** (64%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 67/100 | 939 | +0.208% | $2,288 | Strong πŸ˜€ | | FHA | 74/100 | 264 | +0.600% | $3,319 | Strong πŸ˜€ | | VA | 73/100 | 123 | -0.361% | $2,149 | Strong πŸ˜€ | | Jumbo | 47/100 | 25 | +0.236% | $1,975 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 853 loans, Score: 69/100 (Strong) - Refinance: 86 loans, Score: 57/100 (Sound) **FHA:** - Purchase: 254 loans, Score: 74/100 (Strong) **VA:** - Purchase: 117 loans, Score: 73/100 (Strong) **Jumbo:** - Purchase: 22 loans, Score: 46/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 71/100 | 1,248 | $646M | +0.249% | Strong πŸ˜€ | | Refinance | 58/100 | 105 | $59M | +0.122% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | MD | 469 | 0.67% | 81/100 | | CA | 348 | 0.12% | 69/100 | | VA | 333 | 0.31% | 78/100 | | DC | 103 | 1.80% | 78/100 | | TX | 36 | 0.01% | 45/100 | | FL | 20 | 0.01% | 39/100 | | WV | 10 | 0.06% | 40/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Arlington | VA-WV | 288 | 81/100 | | Oakland | CA | 254 | 84/100 | | Washington, DC | DC-MD | 249 | 88/100 | | Frederick | MD | 152 | 83/100 | | Baltimore | MD | 102 | 67/100 | | Lexington Park, MD | MD | 55 | 67/100 | | Non | | 36 | 33/100 | | Vallejo, CA | CA | 21 | 53/100 | | Dallas | TX | 18 | 43/100 | | Sacramento | CA | 18 | 46/100 | | Hagerstown | MD-WV | 15 | 47/100 | | San Francisco | CA | 15 | 47/100 | | Fort Worth | TX | 11 | 39/100 | ## Where This Lender Ranks Vellum Mortgage, Inc. appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‰ **#3** in Oakland Mortgage Companies - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies) - πŸ₯‰ **#3** in Lexington Park, MD Mortgage Companies - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/mortgage-companies) - πŸ† **#4** in Maryland Mortgage Companies - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/mortgage-companies) - πŸ† **#4** in Washington, DC Mortgage Companies - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies) - πŸ† **#4** in Lexington Park, MD - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders) - πŸ† **#4** in Lexington Park, MD for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#5** in Washington, DC for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#5** in Frederick Mortgage Companies - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/mortgage-companies) - πŸ† **#6** in Arlington Mortgage Companies - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies) - πŸ† **#6** in Oakland for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#6** in Washington DC Mortgage Companies - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies) - πŸ† **#7** in Frederick for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#7** in Washington DC for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#7** in Lexington Park, MD for Conventional Loans - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/conventional-loans) - πŸ† **#8** in Maryland for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#9** in Arlington for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#9** in Lexington Park, MD for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#10** in Oakland for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#11** in Washington, DC - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders) - πŸ† **#11** in Lexington Park, MD for FHA Loans - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/fha-loans) ## Frequently Asked Questions ### What loan types does Vellum Mortgage, Inc. offer? Vellum Mortgage, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Vellum Mortgage, Inc. offer mortgages? Vellum Mortgage, Inc. offers mortgages in 17 states: AZ, CA, DC, FL, GA, ID, MA, MD, NC, NJ, OR, PA, SC, TN, TX, VA, WV. ### How competitive are Vellum Mortgage, Inc.'s mortgage rates? Vellum Mortgage, Inc. has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.237% above market average. ### What type of lender is Vellum Mortgage, Inc.? Vellum Mortgage, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Fairfax, VA. ### What is Vellum Mortgage, Inc.'s loan approval success rate? Vellum Mortgage, Inc. has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/vellum-mortgage ### How to Cite > "Vellum Mortgage, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vellum-mortgage --- **[View Interactive Profile β†’](https://saferate.com/lenders/vellum-mortgage)**