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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
15 loans · 0.51% above market
Mediocre
Bottom 20% of lenders
1/5
FHA
982 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
VA
920 loans · 0.03% below market
Strong
Top 40% of lenders
4/5
USDA
20 loans · 0.49% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
604 loans · 0.16% above market
Sound
Top 60% of lenders
3/5
Refinance
1,333 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 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 | — | 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
46Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast7
CTMEMANHNJPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South15
ALARDEFLGAKYLAMDMSNCOKSCTNTXVA
West12
AKAZCACOHIIDNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 33 states
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.