Looking for a different lender?
V
VILLAGE CAPITAL & INVESTMENT LLC
Independent Mortgage Company|DOVER, DE|National
Loans Originated
1,937
Applications
11,480
Volume
$683 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.187%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,306
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
16.9%
Percentage of applications that result in closed loans
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
Report Card
VILLAGE CAPITAL & INVESTMENT LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Mediocre | Below peers | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 46 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$352,842
Average Borrower Income
$109,436
Average Property Value
$410,875
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Mediocre | Mediocre | N/A | Mediocre | 15 | 0.8% | +0.512% | $2,986 |
FHA Loans | Sound | Strong | Sound | Sound | 982 | 50.7% | +0.402% | $2,532 |
VA Loans | Sound | Strong | Acceptable | Sound | 920 | 47.5% | -0.033% | $4,097 |
USDA Loans | Acceptable | Sound | N/A | Mediocre | 20 | 1.0% | +0.495% | $296 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Acceptable | 604 | 31.2% | +0.163% | $2,356 |
Refinance | Sound | Strong | Acceptable | Acceptable | 1,333 | 68.8% | +0.199% | $3,788 |
Geographic Coverage
Metro Areas
49
States Served
46
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 69Mix: 3.56%
Place Specialization
Sound
2
Lakewood, NJMSA
Volume: 44Mix: 2.27%
Place Specialization
Sound
3
Virginia Beach, VA-NCMSA
Volume: 45Mix: 2.32%
Place Specialization
Sound
4
Colorado Springs, CO, COMSA
Volume: 36Mix: 1.86%
Place Specialization
Sound
5
Charlotte, NC-SCMSA
Volume: 40Mix: 2.07%
Place Specialization
Sound
6
Newark, NJ, NJMSA
Volume: 32Mix: 1.65%
Place Specialization
Sound
7
Phoenix, AZMSA
Volume: 50Mix: 2.58%
Place Specialization
Sound
8
Tampa, FL, FLMSA
Volume: 36Mix: 1.86%
Place Specialization
Sound
9
Wichita, KS, KSMSA
Volume: 25Mix: 1.29%
Place Specialization
Sound
10
Richmond, VA, VAMSA
Volume: 27Mix: 1.39%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 152Mix: 7.85%
Place Specialization
Strong
2
VAState
Volume: 122Mix: 6.30%
Place Specialization
Strong
3
FLState
Volume: 226Mix: 11.67%
Place Specialization
Strong
4
NJState
Volume: 97Mix: 5.01%
Place Specialization
Strong
5
NCState
Volume: 127Mix: 6.56%
Place Specialization
Strong
6
SCState
Volume: 63Mix: 3.25%
Place Specialization
Sound
7
AZState
Volume: 75Mix: 3.87%
Place Specialization
Sound
8
COState
Volume: 73Mix: 3.77%
Place Specialization
Sound
9
TNState
Volume: 72Mix: 3.72%
Place Specialization
Sound
10
CAState
Volume: 110Mix: 5.68%
Place Specialization
Sound
Showing 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.
Ready to Get Started?
Compare VILLAGE CAPITAL & INVESTMENT LLC with other lenders or get personalized recommendations.