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We analyzed every closed loan from Village Capital Investment — 1.9k loans across 11k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Strong
FHA · Conventional · VA · USDA
Place
Sound
National · 49 mkts
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Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Village Capital & Investment LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +18.7 bps above market avg | |
Pull Through Closing strength | Near industry average Bottom 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Below peers Bottom 20% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Industry Standard Top 60% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 15 | 0.8% | +0.512%Above | $2,986Fees | |||
FHA Loans | 982 | 50.7% | +0.402%Above | $2,532Fees | ||||
VA Loans | 920 | 47.5% | -0.033%Below | $4,097Fees | ||||
USDA Loans | — | 20 | 1.0% | +0.495%Above | $296Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 604 | 31.2% | +0.163%Above | $2,356Fees | ||||
Refinance | 1,333 | 68.8% | +0.199%Above | $3,788Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,937
Applications
11,480
Volume
$683 million
Pricing & Closing
Avg Rate Spread
+0.187%
vs. market APOR
Avg Net Fees
$3,306
Origination − Credits
Pullthrough Rate
16.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$352,842
Avg Borrower Income
$109,436
Avg Property Value
$410,875
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
46
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 69Mix: 3.56%of portfolio
Place
Sound2
Lakewood, NJMSA
Volume: 44Mix: 2.27%of portfolio
Place
Sound3
Virginia Beach, VA-NCMSA
Volume: 45Mix: 2.32%of portfolio
Place
Sound4
Colorado Springs, CO, COMSA
Volume: 36Mix: 1.86%of portfolio
Place
Sound5
Charlotte, NC-SCMSA
Volume: 40Mix: 2.07%of portfolio
Place
Sound6
Newark, NJ, NJMSA
Volume: 32Mix: 1.65%of portfolio
Place
Sound7
Phoenix, AZMSA
Volume: 50Mix: 2.58%of portfolio
Place
Sound8
Tampa, FL, FLMSA
Volume: 36Mix: 1.86%of portfolio
Place
Sound9
Wichita, KS, KSMSA
Volume: 25Mix: 1.29%of portfolio
Place
Sound10
Richmond, VA, VAMSA
Volume: 27Mix: 1.39%of portfolio
Place
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 152Mix: 7.85%of portfolio
Place
Strong2
VAState
Volume: 122Mix: 6.30%of portfolio
Place
Strong3
FLState
Volume: 226Mix: 11.67%of portfolio
Place
Strong4
NJState
Volume: 97Mix: 5.01%of portfolio
Place
Strong5
NCState
Volume: 127Mix: 6.56%of portfolio
Place
Strong6
SCState
Volume: 63Mix: 3.25%of portfolio
Place
Sound7
AZState
Volume: 75Mix: 3.87%of portfolio
Place
Sound8
COState
Volume: 73Mix: 3.77%of portfolio
Place
Sound9
TNState
Volume: 72Mix: 3.72%of portfolio
Place
Sound10
CAState
Volume: 110Mix: 5.68%of portfolio
Place
SoundShowing 10 of 33 states
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.