# Benchmark Community Bank

> **Canonical URL:** https://saferate.com/lenders/benchmark-community-bank

> **📋 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

Benchmark Community Bank is a bank, headquartered in Kenbridge, VA, serving borrowers across 2 states, with 191 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300JJ8BTDDILW4H12
- **Headquarters:** Kenbridge, VA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NC, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.025%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,470
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 191
- **Dollar Volume:** $55 million
- **Applications Received:** 250
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $290,340
- **Average Borrower Income:** $177,225

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 181 | -0.009% | $1,509 | Acceptable 🙂 |
| Jumbo | 40/100 | 10 | -0.322% | $709 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 145 loans, Score: 36/100 (Acceptable)
- Refinance: 36 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 154 | $48M | -0.027% | Acceptable 🙂 |
| Refinance | 38/100 | 37 | $7M | -0.014% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 148 | 0.14% | 74/100 |
| NC | 43 | 0.03% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 166 | 67/100 |
| Raleigh | NC | 12 | 46/100 |

## Frequently Asked Questions

### What loan types does Benchmark Community Bank offer?

Benchmark Community Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Benchmark Community Bank offer mortgages?

Benchmark Community Bank offers mortgages in 2 states: NC, VA.

### How competitive are Benchmark Community Bank's mortgage rates?

Benchmark Community Bank has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.025% below market average.

### What type of lender is Benchmark Community Bank?

Benchmark Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Kenbridge, VA.

### What is Benchmark Community Bank's loan approval success rate?

Benchmark Community Bank has a pull-through score of 56/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/benchmark-community-bank

### How to Cite

> "Benchmark Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/benchmark-community-bank

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