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VILLAGE BANK MORTGAGE CORPORATION
Independent Mortgage Company|RICHMOND, VA|Regional
Loans Originated
281
Applications
332
Volume
$101 million
Offers loans directly to consumers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
84.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Report Card
VILLAGE BANK MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Regional · 3 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$362,082
Average Borrower Income
$139,270
Average Property Value
$446,423
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Strong | 200 | 71.2% | -0.048% | $3,802 |
FHA Loans | Strong | Strong | N/A | Exceptional | 53 | 18.9% | +1.429% | $2,222 |
VA Loans | Strong | Strong | N/A | Exceptional | 22 | 7.8% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Strong | 265 | 94.3% | +0.538% | $3,298 |
Refinance | Acceptable | Acceptable | N/A | N/A | 16 | 5.7% | — | — |
Geographic Coverage
Metro Areas
2
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
NCVA
Top Metro Areas by Place Specialization Score
1
Richmond, VA, VAMSA
Volume: 237Mix: 84.34%
Place Specialization
Exceptional
2
Virginia Beach, VA-NCMSA
Volume: 12Mix: 4.27%
Place Specialization
Sound
Top States by Place Specialization Score
1
VAState
Volume: 277Mix: 98.58%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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