Village Capital & Investment
We analyzed every closed loan from Village Capital & Investment — 1.9k loans across 11k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
National · 49 mkts
Awards
FHA
Superstar
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+18.7 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Bottom 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
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 |
Conventional
OverallMediocre
ProductMediocre
Pricing—
Pull ThroughMediocre
Volume15
Mix0.8%
Spread
+0.512%Above
Fees
$2,986Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume982
Mix50.7%
Spread
+0.402%Above
Fees
$2,532Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume920
Mix47.5%
Spread
-0.033%Below
Fees
$4,097Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume20
Mix1.0%
Spread
+0.495%Above
Fees
$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 |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume604
Mix31.2%
Spread
+0.163%Above
Fees
$2,356Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughAcceptable
Volume1,333
Mix68.8%
Spread
+0.199%Above
Fees
$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
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Northeast7
CTMEMANHNJPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South15
ALARDEFLGAKYLAMDMSNCOKSCTNTXVA
West12
AKAZCACOHIIDNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 69Mix 3.56% of portfolio
59/100
Sound
Volume 44Mix 2.27% of portfolio
57/100
Sound
Volume 45Mix 2.32% of portfolio
57/100
Sound
Volume 36Mix 1.86% of portfolio
55/100
Sound
Volume 40Mix 2.07% of portfolio
54/100
Sound
Volume 32Mix 1.65% of portfolio
54/100
Sound
Volume 50Mix 2.58% of portfolio
54/100
Sound
Volume 36Mix 1.86% of portfolio
53/100
Sound
Volume 25Mix 1.29% of portfolio
52/100
Sound
Volume 27Mix 1.39% of portfolio
52/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
GeorgiaState
Volume 152Mix 7.85% of portfolio
64/100
Strong2
VirginiaState
Volume 122Mix 6.30% of portfolio
64/100
Strong3
FloridaState
Volume 226Mix 11.67% of portfolio
64/100
Strong4
New JerseyState
Volume 97Mix 5.01% of portfolio
62/100
Strong5
North CarolinaState
Volume 127Mix 6.56% of portfolio
60/100
Strong6
South CarolinaState
Volume 63Mix 3.25% of portfolio
58/100
Sound7
ArizonaState
Volume 75Mix 3.87% of portfolio
57/100
Sound8
ColoradoState
Volume 73Mix 3.77% of portfolio
57/100
Sound9
TennesseeState
Volume 72Mix 3.72% of portfolio
57/100
Sound10
CaliforniaState
Volume 110Mix 5.68% of portfolio
56/100
SoundShowing 10 of 33 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.