What Verdica's 796 score means for ROBERT BENNIE WILLOUGHBY
Robert Bennie Willoughby's composite score of 796 out of 850 places him in the "excellent" band (800–850 range is the top tier; 740–799 is "strong"). This score reflects a track record that regulators, the Consumer Financial Protection Bureau, and HUD enforcement data have indexed as low-risk and compliant with real estate industry standards.
A score in this range suggests that Willoughby operates within legal and ethical boundaries as measured by state licensing authorities and federal oversight bodies. It does not mean he is perfect or that no issues have ever arisen; rather, it means that any compliance matters on record are either resolved, minor, or non-existent relative to the broader population of licensed real estate professionals. Readers considering working with him should interpret this as a signal that documented regulatory risk is minimal, though as always, direct due diligence—verification of current licensing status, references, and contractual terms—remains important before engagement.
How the sub-scores break down
License & Compliance (850 / 850): This perfect sub-score reflects state licensing commission records. In the real estate industry, this dimension measures whether a provider holds a valid, current license; whether that license has been suspended, revoked, or subject to disciplinary action; and whether violations of state real estate law (fraud, misrepresentation, trust account violations, or breach of fiduciary duty) appear in the regulatory record. A score of 850 indicates no substantive licensing issues flagged by state authorities.
Complaints (800 / 850): This sub-score aggregates formal complaints and enforcement actions tracked by the CFPB and HUD. In real estate transactions, complaints typically involve disputes over disclosure, misrepresentation of property condition, failure to return earnest money, improper handling of client funds, or discrimination. A score of 800 (slightly below perfect) suggests that either no formal complaints are indexed, or any complaints that do exist have been resolved satisfactorily or are proportionally minor. The 50-point gap from the License & Compliance score is narrow, indicating strong overall integrity.
Business Profile (705 / 850): This sub-score is the lowest of the three, though still in the acceptable-to-strong range. Business Profile typically reflects data on the provider's track record length, market activity, whether the business is currently operating, and data completeness. A score of 705 may indicate that Willoughby has a solid operational history but could reflect factors such as shorter tenure in the market, fewer indexed transactions, or incomplete profile information in public databases. This is not a red flag; it simply means less historical data is available to assess compared to a provider with a 750+ in this dimension.
What regulators track for real estate providers
State licensing commissions maintain records of all licensed real estate agents and brokers, including disciplinary history. They investigate complaints alleging fraud, gross negligence, unauthorized practice, trust account mismanagement, and violations of state real estate law. The CFPB tracks consumer complaints submitted through its complaint portal, which may or may not result in formal investigation but creates a public record of consumer grievance. HUD enforcement focuses on fair lending and housing discrimination violations under the Fair Housing Act, as well as compliance with HUD regulations in federally-backed mortgage transactions.
Infractions that would lower a score include: active license suspension or revocation; substantiated findings of fraud or breach of fiduciary duty; multiple unresolved consumer complaints; fair lending violations; or mishandling of client or escrow funds. Positive factors that support higher scores include clean licensing history, prompt response to complaints, corrective action, and years of compliant operation.
Bottom line
Willoughby's 796 score indicates a strong, low-risk real estate provider with excellent licensing standing and minimal indexed complaints. Before engaging, verify current licensing status directly with the state commission, review any available client references, and confirm the scope and terms of services in writing.