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 score and performance metrics.

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 an overall pricing score of 36/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Benchmark Community Bank?

Benchmark Community Bank is a Bank headquartered in Kenbridge, VA.

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Benchmark Community Bank

Bank•Kenbridge, VAHQ•Direct•Reviews near you on Google

Benchmark Community Bank has 191 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Sound

3/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Benchmark Community Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

Rates 2.5 bps below market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

181 loans · 0.01% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

10 loans · 0.32% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

154 loans · 0.03% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

37 loans · 0.01% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	181	94.8%	-0.009%Below	$1,509Fees
Jumbo Loans	Sound	Sound	—	—	10	5.2%	-0.322%Below	$709Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume181

Mix94.8%

Spread

-0.009%Below

Fees

$1,509Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix5.2%

Spread

-0.322%Below

Fees

$709Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	154	80.6%	-0.027%Below	$1,445Fees
Refinance	Acceptable	Acceptable	Acceptable	Sound	37	19.4%	-0.014%Below	$1,568Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume154

Mix80.6%

Spread

-0.027%Below

Fees

$1,445Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume37

Mix19.4%

Spread

-0.014%Below

Fees

$1,568Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

191

Applications

250

Volume

$55 million

Pricing & Closing

Avg Rate Spread

-0.025%

vs. market APOR

Avg Net Fees

$1,470

Origination − Credits

Pullthrough Rate

76.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$290,340

Avg Borrower Income

$177,225

Avg Property Value

$451,754

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

South2

NCVA

Top Metro Areas by Place Specialization Score

Raleigh, NCMetro

Volume 12Mix 6.28% of portfolio

46/100

Sound

Top States by Place Specialization Score

VirginiaState

Volume 148Mix 77.49% of portfolio

74/100

Strong

North CarolinaState

Volume 43Mix 22.51% of portfolio

55/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.