V
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
Safe Rate Awards⭐FHA Superstar
Shopping for a Mortgage?
Save Village Capital Investment or ask our AI assistant to explore your options.
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 a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
Looking for a different lender?
Are you the owner of Village Capital & Investment LLC?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.