# VILLAGE CAPITAL & INVESTMENT LLC

> **Canonical URL:** https://saferate.com/lenders/village-capital-investment


> **📋 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


VILLAGE CAPITAL & INVESTMENT LLC is a independent mortgage company, headquartered in DOVER, DE, serving borrowers nationwide, with 1,937 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300VCMRO4ST680C11
- **Headquarters:** DOVER, DE
- **Geographic Reach:** National
- **States Served:** 46
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.187%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,306
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,937
- **Dollar Volume:** $683 million
- **Applications Received:** 11,480
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $352,842
- **Average Borrower Income:** $109,436
- **Average Property Value:** $410,875

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 16/100 | 15 | +0.512% | $2,986 | Mediocre 😐 |
| FHA | 78/100 | 982 | +0.402% | $2,532 | Strong 😀 |
| VA | 80/100 | 920 | -0.033% | $4,097 | Strong 😀 |
| USDA | 51/100 | 20 | +0.495% | $296 | Sound ☺️ |

### Product Performance by Purpose

**FHA:**
- Purchase: 324 loans, Score: 73/100 (Strong)
- Refinance: 658 loans, Score: 85/100 (Exceptional)

**VA:**
- Purchase: 255 loans, Score: 75/100 (Strong)
- Refinance: 665 loans, Score: 89/100 (Exceptional)

**USDA:**
- Purchase: 20 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 604 | $238M | +0.163% | Sound ☺️ |
| Refinance | 72/100 | 1,333 | $446M | +0.199% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 226 | 0.08% | 64/100 |
| GA | 152 | 0.11% | 64/100 |
| NC | 127 | 0.09% | 60/100 |
| VA | 122 | 0.11% | 64/100 |
| CA | 110 | 0.04% | 56/100 |
| NJ | 97 | 0.11% | 62/100 |
| TX | 94 | 0.03% | 54/100 |
| AZ | 75 | 0.08% | 57/100 |
| CO | 73 | 0.09% | 57/100 |
| TN | 72 | 0.08% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 205 | 59/100 |
| Atlanta | GA | 69 | 59/100 |
| Phoenix | AZ | 50 | 54/100 |
| Virginia Beach | VA-NC | 45 | 57/100 |
| Lakewood | NJ | 44 | 57/100 |
| Charlotte | NC-SC | 40 | 54/100 |
| Colorado Springs, CO | CO | 36 | 55/100 |
| Tampa, FL | FL | 36 | 53/100 |
| Riverside | CA | 34 | 51/100 |
| Newark, NJ | NJ | 32 | 54/100 |
| Orlando | FL | 32 | 51/100 |
| Houston | TX | 29 | 47/100 |
| Richmond, VA | VA | 27 | 52/100 |
| Denver | CO | 25 | 48/100 |
| Wichita, KS | KS | 25 | 52/100 |

## Frequently Asked Questions

### What loan types does VILLAGE CAPITAL & INVESTMENT LLC offer?

VILLAGE CAPITAL & INVESTMENT LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VILLAGE CAPITAL & INVESTMENT LLC offer mortgages?

VILLAGE CAPITAL & INVESTMENT LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are VILLAGE CAPITAL & INVESTMENT LLC's mortgage rates?

VILLAGE CAPITAL & INVESTMENT LLC has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.187% above market average.

### What type of lender is VILLAGE CAPITAL & INVESTMENT LLC?

VILLAGE CAPITAL & INVESTMENT LLC is a non-depository lender that specializes in mortgage origination, headquartered in DOVER, DE.

### What is VILLAGE CAPITAL & INVESTMENT LLC's loan approval success rate?

VILLAGE CAPITAL & INVESTMENT LLC has a pull-through score of 27/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/village-capital-investment

### How to Cite

> "VILLAGE CAPITAL & INVESTMENT LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/village-capital-investment

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