Village Capital & Investment Mortgage Rates, Fees & Info
DOVER, DELEI: 549300VCMRO4ST680C11
Tax ID: 20-0192872
2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Overview
Village Capital & Investment is a mid-sized mortgage company specializing in Refi loans. Village Capital & Investment has They have an average proportion of FHA loans. a low ratio of conventional loans. They have a low ratio of USDA loans. Their top markets include Riverside, Atlanta, Los Angeles, San Diego, and Washington among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Village Capital & Investment is typically a low fee lendor.Originations
24,602Origination Dollar Volume (All Markets)
$5,679,610,000Awards
Details
×
Copy Code
VILLAGE CAPITAL & INVESTMENT - 2020 Certified Lowest Rate Lender
VILLAGE CAPITAL & INVESTMENT is a 2020 Certified Lowest Rate Lender due to their exceptionally low rates.
For 2020, less than 2.9% of lenders were eligible for this award.
Work for VILLAGE CAPITAL & INVESTMENT ?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Copy Code
Relative Rate
Village Capital & Investment 's average 30 year fixed rate mortgage was
2.95%.
The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.
This yields a difference of -0.41%.
Relative Fees
Village Capital & Investment 's average total fees for a 30 year fixed rate
mortgage are $2,973.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| VA | 16,836 | $4,112,790,000 | $244,285 | $3,835 | 2.65% |
| FHA | 7,678 | $1,551,690,000 | $202,096 | $2,402 | 3.27% |
| Conventional | 59 | $10,995,000 | $186,356 | $4,540 | 3.68% |
| USDA | 29 | $4,135,000 | $142,586 | $5,399 | 3.37% |
For the 2020 period, Village Capital & Investment 's most frequently originated loan type was VA, with 16,836 originations. Their 2nd most popular type is FHA, with 7,678 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 24,461 | $5,645,365,000 | $230,790 | $3,366 | 2.85% |
| Cash Out Refi | 122 | $31,140,000 | $255,246 | $8,320 | 3.45% |
| Home Purchase | 19 | $3,105,000 | $163,421 | $4,297 | 5.37% |
For the 2020, Village Capital & Investment 's most frequently cited loan purpose was Refi, with 24,461 originations. The 2nd most popular reason was Cash Out Refi, with 122 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 23,143 | $5,430,835,000 | $234,664 | $3,455 | 2.84% |
| Other | 1,106 | $196,830,000 | $177,966 | $2,420 | 2.98% |
| 20 Year | 189 | $30,235,000 | $159,974 | $2,181 | 2.99% |
| 15 Year | 156 | $21,340,000 | $136,795 | $2,328 | 2.85% |
| 10 Year | 8 | $370,000 | $46,250 | $1,190 | 6.81% |
For the 2020, Village Capital & Investment 's most frequently cited loan length was 30 Year, with 23,143 originations. The 2nd most popular length was Other, with 1,106 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 13,170 | $2,759,470,000 | $209,527 |
| $1k-2k | 3,795 | $726,995,000 | $191,567 |
| $3k-4k | 3,043 | $883,725,000 | $290,412 |
| $2k-3k | 3,036 | $694,290,000 | $228,686 |
| $5k+ | 1,558 | $615,130,000 | $394,820 |
$2,973 was Village Capital & Investment 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 13,170 originations.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 3,030 | $512,550,000 | $169,158 | $2,729 | 2.94% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 759 | $248,435,000 | $327,319 | $4,009 | 2.67% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 957 | $209,165,000 | $218,563 | $3,072 | 2.91% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 372 | $174,550,000 | $469,220 | $5,325 | 2.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 350 | $157,560,000 | $450,171 | $5,185 | 2.56% |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 345 | $120,995,000 | $350,710 | $5,134 | 2.73% |
| PHOENIX-MESA-CHANDLER, AZ | 482 | $114,870,000 | $238,320 | $3,635 | 2.78% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 522 | $111,520,000 | $213,640 | $3,001 | 3.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 386 | $102,300,000 | $265,026 | $3,695 | 2.82% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 266 | $97,580,000 | $366,842 | $4,362 | 2.69% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 305 | $90,785,000 | $297,656 | $4,265 | 2.73% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 397 | $85,615,000 | $215,655 | $3,186 | 2.83% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 405 | $85,605,000 | $211,370 | $2,992 | 2.86% |
| DALLAS-PLANO-IRVING, TX | 358 | $84,560,000 | $236,201 | $3,148 | 2.94% |
| DENVER-AURORA-LAKEWOOD, CO | 240 | $82,030,000 | $341,792 | $4,628 | 2.66% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 354 | $76,870,000 | $217,147 | $3,448 | 2.81% |
| OGDEN-CLEARFIELD, UT | 240 | $68,950,000 | $287,292 | $3,902 | 2.68% |
| OAKLAND-BERKELEY-LIVERMORE, CA | 121 | $60,865,000 | $503,017 | $5,789 | 2.74% |
| SALT LAKE CITY, UT | 196 | $58,030,000 | $296,071 | $4,488 | 2.71% |
| COLORADO SPRINGS, CO | 199 | $57,545,000 | $289,171 | $4,193 | 2.59% |
| FAYETTEVILLE, NC | 280 | $53,180,000 | $189,929 | $3,215 | 2.75% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 240 | $52,030,000 | $216,792 | $2,854 | 3.03% |
| JACKSONVILLE, FL | 225 | $49,125,000 | $218,333 | $3,539 | 2.82% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 202 | $48,760,000 | $241,386 | $3,344 | 2.87% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 189 | $45,725,000 | $241,931 | $3,637 | 2.76% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 188 | $45,340,000 | $241,170 | $3,410 | 2.90% |
| ANAHEIM-SANTA ANA-IRVINE, CA | 81 | $43,635,000 | $538,704 | $6,206 | 2.61% |
| CHARLESTON-NORTH CHARLESTON, SC | 162 | $41,940,000 | $258,889 | $4,217 | 2.68% |
| BOISE CITY, ID | 155 | $41,545,000 | $268,032 | $4,447 | 2.62% |
| RALEIGH-CARY, NC | 168 | $40,690,000 | $242,202 | $3,708 | 2.77% |
| PROVO-OREM, UT | 129 | $38,325,000 | $297,093 | $4,285 | 2.67% |
| COLUMBUS, OH | 182 | $38,250,000 | $210,165 | $3,322 | 2.87% |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 182 | $37,690,000 | $207,088 | $3,299 | 2.96% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 174 | $36,550,000 | $210,057 | $3,147 | 2.71% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD | 92 | $35,570,000 | $386,630 | $5,157 | 2.65% |
| KILLEEN-TEMPLE, TX | 198 | $35,410,000 | $178,838 | $2,801 | 2.85% |
| TACOMA-LAKEWOOD, WA | 116 | $35,410,000 | $305,259 | $4,726 | 2.69% |
| COLUMBIA, SC | 154 | $33,230,000 | $215,779 | $3,944 | 2.78% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 104 | $32,780,000 | $315,192 | $3,999 | 2.81% |
| STOCKTON, CA | 95 | $32,705,000 | $344,263 | $4,123 | 2.66% |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 66 | $32,540,000 | $493,030 | $5,707 | 2.65% |
| SEATTLE-BELLEVUE-KENT, WA | 82 | $31,400,000 | $382,927 | $5,763 | 2.73% |
| VALLEJO, CA | 78 | $30,130,000 | $386,282 | $4,374 | 2.64% |
| BAKERSFIELD, CA | 122 | $28,640,000 | $234,754 | $3,190 | 2.72% |
| CINCINNATI, OH-KY-IN | 167 | $28,525,000 | $170,808 | $2,839 | 2.99% |
| MEMPHIS, TN-MS-AR | 149 | $28,025,000 | $188,087 | $2,920 | 2.96% |
| TUCSON, AZ | 142 | $27,660,000 | $194,789 | $2,963 | 2.81% |
| ST. LOUIS, MO-IL | 177 | $27,285,000 | $154,153 | $2,353 | 3.08% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 171 | $26,625,000 | $155,702 | $2,472 | 3.02% |
| FRESNO, CA | 103 | $26,625,000 | $258,495 | $3,082 | 2.77% |
| PITTSBURGH, PA | 151 | $25,155,000 | $166,589 | $3,094 | 2.89% |
| CLARKSVILLE, TN-KY | 128 | $25,040,000 | $195,625 | $2,972 | 2.72% |
| HUNTSVILLE, AL | 119 | $24,935,000 | $209,538 | $3,432 | 2.76% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 106 | $24,190,000 | $228,208 | $3,434 | 2.76% |
| CLEVELAND-ELYRIA, OH | 149 | $24,025,000 | $161,242 | $2,578 | 3.05% |
| LAKELAND-WINTER HAVEN, FL | 125 | $23,865,000 | $190,920 | $2,612 | 3.01% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 123 | $23,725,000 | $192,886 | $3,160 | 2.80% |
| WARREN-TROY-FARMINGTON HILLS, MI | 125 | $23,695,000 | $189,560 | $2,849 | 2.90% |
| MODESTO, CA | 78 | $23,460,000 | $300,769 | $3,595 | 2.77% |
| COEUR D'ALENE, ID | 76 | $22,860,000 | $300,789 | $4,355 | 2.60% |
| COLUMBUS, GA-AL | 117 | $22,545,000 | $192,692 | $3,034 | 2.82% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 86 | $22,210,000 | $258,256 | $4,777 | 2.74% |
| EL PASO, TX | 129 | $22,035,000 | $170,814 | $2,625 | 2.91% |
| NEW ORLEANS-METAIRIE, LA | 93 | $20,845,000 | $224,140 | $3,642 | 2.84% |
| BIRMINGHAM-HOOVER, AL | 110 | $20,810,000 | $189,182 | $2,733 | 2.86% |
| JACKSONVILLE, NC | 114 | $20,810,000 | $182,544 | $3,291 | 2.69% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 72 | $20,440,000 | $283,889 | $3,839 | 2.89% |
| GREENVILLE-ANDERSON, SC | 94 | $20,340,000 | $216,383 | $3,705 | 2.85% |
| NORTH PORT-SARASOTA-BRADENTON, FL | 82 | $20,330,000 | $247,927 | $3,433 | 2.82% |
| SAVANNAH, GA | 98 | $20,240,000 | $206,531 | $3,196 | 2.80% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 86 | $19,430,000 | $225,930 | $3,779 | 2.73% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 115 | $19,375,000 | $168,478 | $2,619 | 2.92% |
| PHILADELPHIA, PA | 112 | $19,080,000 | $170,357 | $2,843 | 3.03% |
| ST. GEORGE, UT | 72 | $18,870,000 | $262,083 | $4,025 | 2.71% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 79 | $18,765,000 | $237,532 | $3,671 | 2.95% |
| WARNER ROBINS, GA | 91 | $18,745,000 | $205,989 | $3,273 | 2.70% |
| KANSAS CITY, MO-KS | 107 | $17,865,000 | $166,963 | $2,590 | 3.08% |
| PENSACOLA-FERRY PASS-BRENT, FL | 85 | $17,335,000 | $203,941 | $3,144 | 2.79% |
| GREENSBORO-HIGH POINT, NC | 96 | $17,230,000 | $179,479 | $2,756 | 2.76% |
| WINSTON-SALEM, NC | 89 | $16,395,000 | $184,213 | $3,266 | 2.88% |
| KNOXVILLE, TN | 86 | $16,000,000 | $186,047 | $3,255 | 2.72% |
| DAYTON-KETTERING, OH | 85 | $15,965,000 | $187,824 | $2,998 | 2.85% |
| OKLAHOMA CITY, OK | 89 | $15,795,000 | $177,472 | $3,178 | 2.87% |
| CAPE CORAL-FORT MYERS, FL | 74 | $15,730,000 | $212,568 | $2,990 | 2.89% |
| NEW BRUNSWICK-LAKEWOOD, NJ | 59 | $15,575,000 | $263,983 | $3,931 | 3.01% |
| VISALIA, CA | 61 | $15,385,000 | $252,213 | $3,405 | 2.75% |
| WILMINGTON, DE-MD-NJ | 65 | $15,345,000 | $236,077 | $3,937 | 2.96% |
| PORT ST. LUCIE, FL | 68 | $15,270,000 | $224,559 | $3,489 | 2.85% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 67 | $15,215,000 | $227,090 | $3,786 | 2.71% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 28 | $15,090,000 | $538,929 | $5,703 | 2.77% |
| MILWAUKEE-WAUKESHA, WI | 83 | $14,765,000 | $177,892 | $2,828 | 2.99% |
| LAKE HAVASU CITY-KINGMAN, AZ | 83 | $14,375,000 | $173,193 | $3,401 | 3.28% |
| NEWARK, NJ-PA | 49 | $14,065,000 | $287,041 | $4,174 | 3.05% |
| ALBUQUERQUE, NM | 76 | $13,870,000 | $182,500 | $3,254 | 2.96% |
| BATON ROUGE, LA | 59 | $13,165,000 | $223,136 | $3,596 | 2.80% |
| PROVIDENCE-WARWICK, RI-MA | 56 | $13,090,000 | $233,750 | $3,559 | 2.96% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 52 | $12,720,000 | $244,615 | $3,451 | 2.85% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 65 | $12,695,000 | $195,308 | $3,391 | 3.04% |
| OLYMPIA-LACEY-TUMWATER, WA | 40 | $12,500,000 | $312,500 | $4,413 | 2.67% |
| ASHEVILLE, NC | 55 | $12,415,000 | $225,727 | $3,570 | 2.66% |
| MIAMI-MIAMI BEACH-KENDALL, FL | 42 | $11,910,000 | $283,571 | $3,435 | 2.94% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 72 | $11,830,000 | $164,306 | $2,373 | 2.98% |
| CAMDEN, NJ | 61 | $11,805,000 | $193,525 | $3,087 | 3.06% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT | 59 | $11,755,000 | $199,237 | $2,998 | 3.12% |
| MONTGOMERY, AL | 60 | $11,650,000 | $194,167 | $3,323 | 2.83% |
| GREELEY, CO | 36 | $11,240,000 | $312,222 | $4,026 | 2.77% |
| SALINAS, CA | 22 | $11,210,000 | $509,545 | $4,964 | 2.59% |
| HILTON HEAD ISLAND-BLUFFTON, SC | 41 | $11,105,000 | $270,854 | $4,331 | 2.65% |
| ANCHORAGE, AK | 37 | $10,985,000 | $296,892 | $4,512 | 2.69% |
| GARY, IN | 62 | $10,880,000 | $175,484 | $2,782 | 2.96% |
| DURHAM-CHAPEL HILL, NC | 51 | $10,625,000 | $208,333 | $3,278 | 2.76% |
| SANTA MARIA-SANTA BARBARA, CA | 29 | $10,485,000 | $361,552 | $4,791 | 2.65% |
| SPOKANE-SPOKANE VALLEY, WA | 49 | $10,315,000 | $210,510 | $3,302 | 2.75% |
| MERCED, CA | 39 | $10,145,000 | $260,128 | $3,777 | 2.66% |
| CHATTANOOGA, TN-GA | 53 | $10,045,000 | $189,528 | $2,981 | 2.88% |
| RENO, NV | 36 | $9,970,000 | $276,944 | $3,516 | 2.82% |
| OCALA, FL | 63 | $9,955,000 | $158,016 | $2,633 | 2.91% |
| SAN LUIS OBISPO-PASO ROBLES, CA | 24 | $9,880,000 | $411,667 | $4,473 | 2.70% |
| DETROIT-DEARBORN-LIVONIA, MI | 67 | $9,865,000 | $147,239 | $2,192 | 3.11% |
| SHREVEPORT-BOSSIER CITY, LA | 50 | $9,790,000 | $195,800 | $3,653 | 2.90% |
| WILMINGTON, NC | 43 | $9,725,000 | $226,163 | $3,684 | 2.78% |
| OMAHA-COUNCIL BLUFFS, NE-IA | 53 | $9,545,000 | $180,094 | $2,866 | 2.98% |
| PORTLAND-SOUTH PORTLAND, ME | 38 | $9,360,000 | $246,316 | $2,847 | 3.06% |
| CALIFORNIA-LEXINGTON PARK, MD | 31 | $9,145,000 | $295,000 | $4,903 | 2.67% |
| HARRISBURG-CARLISLE, PA | 46 | $8,890,000 | $193,261 | $3,387 | 2.81% |
| AKRON, OH | 56 | $8,810,000 | $157,321 | $2,720 | 2.93% |
| FORT COLLINS, CO | 25 | $8,785,000 | $351,400 | $4,658 | 2.69% |
| SANTA ROSA-PETALUMA, CA | 20 | $8,690,000 | $434,500 | $5,730 | 2.66% |
| SALEM, OR | 32 | $8,580,000 | $268,125 | $3,996 | 2.96% |
| GULFPORT-BILOXI, MS | 40 | $8,360,000 | $209,000 | $3,592 | 2.95% |
| ELGIN, IL | 38 | $8,320,000 | $218,947 | $3,206 | 3.07% |
| PUEBLO, CO | 40 | $8,150,000 | $203,750 | $3,225 | 2.73% |
| DES MOINES-WEST DES MOINES, IA | 50 | $8,020,000 | $160,400 | $2,104 | 3.19% |
| REDDING, CA | 33 | $7,915,000 | $239,848 | $3,294 | 2.62% |
| HINESVILLE, GA | 45 | $7,875,000 | $175,000 | $3,107 | 2.93% |
| GRAND RAPIDS-KENTWOOD, MI | 51 | $7,865,000 | $154,216 | $2,152 | 3.09% |
| YORK-HANOVER, PA | 36 | $7,860,000 | $218,333 | $4,260 | 2.74% |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 20 | $7,780,000 | $389,000 | $5,045 | 3.07% |
| EUGENE-SPRINGFIELD, OR | 32 | $7,690,000 | $240,313 | $3,289 | 2.92% |
| JACKSON, MS | 38 | $7,550,000 | $198,684 | $3,070 | 2.97% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 28 | $7,530,000 | $268,929 | $4,694 | 2.54% |
| PRESCOTT VALLEY-PRESCOTT, AZ | 34 | $7,350,000 | $216,176 | $3,113 | 2.71% |
| YUBA CITY, CA | 27 | $7,345,000 | $272,037 | $3,795 | 2.60% |
| NAPLES-MARCO ISLAND, FL | 26 | $7,130,000 | $274,231 | $4,126 | 3.00% |
| SPARTANBURG, SC | 40 | $6,980,000 | $174,500 | $2,804 | 2.94% |
| MOBILE, AL | 40 | $6,900,000 | $172,500 | $2,873 | 2.86% |
| ELIZABETHTOWN-FORT KNOX, KY | 40 | $6,870,000 | $171,750 | $3,102 | 2.96% |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 22 | $6,840,000 | $310,909 | $3,963 | 3.19% |
| BOSTON, MA | 21 | $6,745,000 | $321,190 | $5,708 | 2.76% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 10 | $6,700,000 | $670,000 | $8,155 | 2.51% |
| NEW HAVEN-MILFORD, CT | 36 | $6,620,000 | $183,889 | $2,908 | 3.07% |
| CHEYENNE, WY | 26 | $6,530,000 | $251,154 | $4,178 | 2.75% |
| SIERRA VISTA-DOUGLAS, AZ | 37 | $6,445,000 | $174,189 | $2,443 | 2.90% |
| TUSCALOOSA, AL | 35 | $6,415,000 | $183,286 | $2,595 | 3.08% |
| CHAMBERSBURG-WAYNESBORO, PA | 30 | $6,290,000 | $209,667 | $3,969 | 2.74% |
| WORCESTER, MA-CT | 28 | $6,220,000 | $222,143 | $3,865 | 2.91% |
| AUBURN-OPELIKA, AL | 28 | $6,100,000 | $217,857 | $2,800 | 2.87% |
| CORPUS CHRISTI, TX | 33 | $6,095,000 | $184,697 | $2,513 | 2.98% |
| HICKORY-LENOIR-MORGANTON, NC | 40 | $6,080,000 | $152,000 | $2,532 | 2.91% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 21 | $6,045,000 | $287,857 | $5,597 | 2.62% |
| HANFORD-CORCORAN, CA | 24 | $6,040,000 | $251,667 | $3,355 | 2.80% |
| SAN RAFAEL, CA | 10 | $6,000,000 | $600,000 | $5,245 | 2.59% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 24 | $6,000,000 | $250,000 | $4,385 | 2.71% |
| MCALLEN-EDINBURG-MISSION, TX | 38 | $5,990,000 | $157,632 | $2,752 | 2.94% |
| LANCASTER, PA | 30 | $5,920,000 | $197,333 | $3,588 | 2.95% |
| HAGERSTOWN-MARTINSBURG, MD-WV | 26 | $5,890,000 | $226,538 | $4,076 | 2.81% |
| MIDLAND, TX | 26 | $5,760,000 | $221,538 | $2,584 | 3.31% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 40 | $5,670,000 | $141,750 | $2,230 | 3.17% |
| MEDFORD, OR | 20 | $5,590,000 | $279,500 | $3,972 | 2.77% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 33 | $5,475,000 | $165,909 | $2,416 | 2.95% |
| HUNTINGTON-ASHLAND, WV-KY-OH | 34 | $5,470,000 | $160,882 | $2,704 | 2.94% |
| SCRANTON--WILKES-BARRE, PA | 33 | $5,395,000 | $163,485 | $3,508 | 2.91% |
| LANSING-EAST LANSING, MI | 35 | $5,375,000 | $153,571 | $2,397 | 2.98% |
| TOLEDO, OH | 36 | $5,360,000 | $148,889 | $2,364 | 3.09% |
| PUNTA GORDA, FL | 29 | $5,255,000 | $181,207 | $2,226 | 2.95% |
| READING, PA | 27 | $5,245,000 | $194,259 | $3,396 | 2.74% |
| ROCKY MOUNT, NC | 33 | $5,235,000 | $158,636 | $2,753 | 2.95% |
| MACON-BIBB COUNTY, GA | 29 | $5,205,000 | $179,483 | $2,483 | 2.78% |
| YUMA, AZ | 31 | $5,145,000 | $165,968 | $2,334 | 2.93% |
| EAST STROUDSBURG, PA | 26 | $5,120,000 | $196,923 | $3,477 | 2.81% |
| SUMTER, SC | 31 | $5,065,000 | $163,387 | $3,071 | 2.87% |
| IDAHO FALLS, ID | 21 | $5,035,000 | $239,762 | $5,139 | 2.52% |
| SALISBURY, MD-DE | 27 | $4,995,000 | $185,000 | $3,452 | 2.79% |
| GAINESVILLE, FL | 25 | $4,985,000 | $199,400 | $3,432 | 2.74% |
| LEXINGTON-FAYETTE, KY | 30 | $4,980,000 | $166,000 | $2,582 | 3.05% |
| CHICO, CA | 21 | $4,945,000 | $235,476 | $2,565 | 2.58% |
| DOVER, DE | 20 | $4,840,000 | $242,000 | $3,370 | 3.04% |
| CANTON-MASSILLON, OH | 30 | $4,810,000 | $160,333 | $2,584 | 2.89% |
| AMARILLO, TX | 27 | $4,805,000 | $177,963 | $2,368 | 3.09% |
| BURLINGTON, NC | 23 | $4,795,000 | $208,478 | $3,001 | 2.81% |
| GRAND JUNCTION, CO | 20 | $4,750,000 | $237,500 | $3,536 | 2.71% |
| LAFAYETTE, LA | 24 | $4,690,000 | $195,417 | $3,372 | 2.79% |
| GAINESVILLE, GA | 21 | $4,685,000 | $223,095 | $3,060 | 2.90% |
| EL CENTRO, CA | 19 | $4,565,000 | $240,263 | $3,488 | 2.65% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 25 | $4,465,000 | $178,600 | $2,822 | 2.94% |
| KENNEWICK-RICHLAND, WA | 19 | $4,445,000 | $233,947 | $3,310 | 2.86% |
| TULSA, OK | 27 | $4,345,000 | $160,926 | $2,622 | 2.97% |
| LAWTON, OK | 24 | $4,270,000 | $177,917 | $3,724 | 2.57% |
| NEW BERN, NC | 24 | $4,260,000 | $177,500 | $3,089 | 2.79% |
| LONGVIEW, WA | 17 | $4,225,000 | $248,529 | $3,650 | 2.84% |
| ATHENS-CLARKE COUNTY, GA | 21 | $4,225,000 | $201,190 | $2,689 | 2.85% |
| LONGVIEW, TX | 28 | $4,160,000 | $148,571 | $2,233 | 3.07% |
| BROWNSVILLE-HARLINGEN, TX | 30 | $4,130,000 | $137,667 | $2,126 | 3.05% |
| LUBBOCK, TX | 21 | $4,085,000 | $194,524 | $2,751 | 2.86% |
| GOLDSBORO, NC | 23 | $4,025,000 | $175,000 | $3,036 | 2.90% |
| SPRINGFIELD, MO | 30 | $3,990,000 | $133,000 | $2,122 | 3.07% |
| HOMOSASSA SPRINGS, FL | 26 | $3,980,000 | $153,077 | $2,391 | 3.13% |
| LEBANON, PA | 22 | $3,970,000 | $180,455 | $3,389 | 2.80% |
| SHERMAN-DENISON, TX | 21 | $3,865,000 | $184,048 | $2,328 | 3.37% |
| BILLINGS, MT | 15 | $3,825,000 | $255,000 | $4,002 | 2.63% |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 10 | $3,730,000 | $373,000 | $5,760 | 2.82% |
| BEAUMONT-PORT ARTHUR, TX | 23 | $3,695,000 | $160,652 | $2,397 | 3.11% |
| FORT WAYNE, IN | 29 | $3,655,000 | $126,034 | $2,162 | 3.05% |
| LAS CRUCES, NM | 20 | $3,630,000 | $181,500 | $2,733 | 2.94% |
| VALDOSTA, GA | 23 | $3,605,000 | $156,739 | $2,606 | 2.74% |
| SIOUX FALLS, SD | 17 | $3,565,000 | $209,706 | $3,825 | 3.10% |
| BOULDER, CO | 8 | $3,510,000 | $438,750 | $5,955 | 2.63% |
| DOTHAN, AL | 21 | $3,485,000 | $165,952 | $2,267 | 3.00% |
| MADERA, CA | 14 | $3,470,000 | $247,857 | $3,151 | 3.05% |
| MADISON, WI | 17 | $3,445,000 | $202,647 | $3,278 | 2.93% |
| SANTA CRUZ-WATSONVILLE, CA | 6 | $3,420,000 | $570,000 | $6,013 | 2.81% |
| KINGSPORT-BRISTOL, TN-VA | 23 | $3,365,000 | $146,304 | $1,666 | 3.06% |
| LAKE CHARLES, LA | 16 | $3,350,000 | $209,375 | $3,080 | 2.91% |
| PANAMA CITY, FL | 19 | $3,345,000 | $176,053 | $3,116 | 2.62% |
| JACKSON, MI | 22 | $3,300,000 | $150,000 | $1,754 | 3.23% |
| FLINT, MI | 23 | $3,285,000 | $142,826 | $1,750 | 3.30% |
| ROCKFORD, IL | 23 | $3,265,000 | $141,957 | $2,178 | 3.23% |
| JACKSON, TN | 18 | $3,250,000 | $180,556 | $3,176 | 2.62% |
| NORWICH-NEW LONDON, CT | 17 | $3,245,000 | $190,882 | $2,838 | 2.92% |
| ALBANY-LEBANON, OR | 14 | $3,230,000 | $230,714 | $3,301 | 3.09% |
| TALLAHASSEE, FL | 21 | $3,205,000 | $152,619 | $2,631 | 2.90% |
| SPRINGFIELD, MA | 16 | $3,190,000 | $199,375 | $3,330 | 3.02% |
| RACINE, WI | 20 | $3,160,000 | $158,000 | $2,354 | 3.08% |
| JOHNSON CITY, TN | 23 | $3,115,000 | $135,435 | $2,168 | 2.89% |
| NAPA, CA | 6 | $3,040,000 | $506,667 | $4,686 | 2.81% |
| WENATCHEE, WA | 11 | $3,015,000 | $274,091 | $5,691 | 2.55% |
| LOGAN, UT-ID | 15 | $3,015,000 | $201,000 | $2,778 | 2.95% |
| LAREDO, TX | 16 | $2,970,000 | $185,625 | $2,256 | 3.37% |
| ANNISTON-OXFORD, AL | 19 | $2,955,000 | $155,526 | $2,193 | 3.00% |
| SOUTH BEND-MISHAWAKA, IN-MI | 22 | $2,940,000 | $133,636 | $2,238 | 2.94% |
| HAMMOND, LA | 17 | $2,935,000 | $172,647 | $3,009 | 2.76% |
| TYLER, TX | 15 | $2,925,000 | $195,000 | $3,110 | 2.88% |
| GREAT FALLS, MT | 13 | $2,885,000 | $221,923 | $4,164 | 2.38% |
| WACO, TX | 16 | $2,860,000 | $178,750 | $3,337 | 2.91% |
| GREENVILLE, NC | 15 | $2,855,000 | $190,333 | $3,081 | 2.91% |
| GREEN BAY, WI | 19 | $2,835,000 | $149,211 | $2,367 | 2.93% |
| BEND, OR | 10 | $2,800,000 | $280,000 | $3,657 | 2.78% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 22 | $2,760,000 | $125,455 | $2,358 | 2.92% |
| MORRISTOWN, TN | 18 | $2,750,000 | $152,778 | $2,583 | 2.74% |
| THE VILLAGES, FL | 13 | $2,715,000 | $208,846 | $3,297 | 2.66% |
| YAKIMA, WA | 12 | $2,700,000 | $225,000 | $3,868 | 2.65% |
| CLEVELAND, TN | 14 | $2,650,000 | $189,286 | $2,632 | 2.80% |
| CARSON CITY, NV | 10 | $2,600,000 | $260,000 | $3,426 | 2.75% |
| FLORENCE, SC | 16 | $2,600,000 | $162,500 | $2,884 | 2.99% |
| ALEXANDRIA, LA | 16 | $2,580,000 | $161,250 | $3,075 | 2.95% |
| SPRINGFIELD, OH | 17 | $2,555,000 | $150,294 | $2,120 | 3.20% |
| POCATELLO, ID | 9 | $2,515,000 | $279,444 | $4,438 | 2.64% |
| DECATUR, AL | 13 | $2,455,000 | $188,846 | $2,852 | 2.79% |
| BRUNSWICK, GA | 12 | $2,410,000 | $200,833 | $3,855 | 2.98% |
| FARMINGTON, NM | 15 | $2,405,000 | $160,333 | $2,997 | 3.03% |
| RAPID CITY, SD | 13 | $2,375,000 | $182,692 | $4,513 | 2.63% |
| ALBANY, GA | 14 | $2,360,000 | $168,571 | $2,691 | 2.87% |
| ANN ARBOR, MI | 13 | $2,345,000 | $180,385 | $3,210 | 2.97% |
| NILES, MI | 14 | $2,340,000 | $167,143 | $2,683 | 2.97% |
| TWIN FALLS, ID | 11 | $2,325,000 | $211,364 | $3,883 | 2.40% |
| LEWISTON, ID-WA | 10 | $2,250,000 | $225,000 | $4,042 | 2.43% |
| GADSDEN, AL | 14 | $2,230,000 | $159,286 | $2,341 | 3.14% |
| HATTIESBURG, MS | 12 | $2,220,000 | $185,000 | $3,075 | 3.02% |
| LEWISTON-AUBURN, ME | 13 | $2,155,000 | $165,769 | $2,773 | 2.97% |
| MISSOULA, MT | 8 | $2,150,000 | $268,750 | $5,410 | 2.69% |
| BANGOR, ME | 17 | $2,145,000 | $126,176 | $2,197 | 3.07% |
| LAFAYETTE-WEST LAFAYETTE, IN | 12 | $2,140,000 | $178,333 | $2,135 | 3.02% |
| CHARLESTON, WV | 13 | $2,135,000 | $164,231 | $3,743 | 3.04% |
| EVANSVILLE, IN-KY | 17 | $2,125,000 | $125,000 | $2,807 | 2.95% |
| ODESSA, TX | 12 | $2,120,000 | $176,667 | $2,407 | 3.06% |
| MONROE, MI | 12 | $2,110,000 | $175,833 | $3,084 | 2.69% |
| GETTYSBURG, PA | 12 | $2,100,000 | $175,000 | $3,882 | 2.90% |
| SAN ANGELO, TX | 13 | $2,015,000 | $155,000 | $2,668 | 2.95% |
| SEBRING-AVON PARK, FL | 14 | $1,990,000 | $142,143 | $1,977 | 2.88% |
| KALAMAZOO-PORTAGE, MI | 14 | $1,970,000 | $140,714 | $2,808 | 2.96% |
| BATTLE CREEK, MI | 16 | $1,970,000 | $123,125 | $2,083 | 3.27% |
| FLAGSTAFF, AZ | 11 | $1,955,000 | $177,727 | $3,674 | 2.88% |
| MONROE, LA | 14 | $1,940,000 | $138,571 | $2,765 | 3.04% |
| ERIE, PA | 14 | $1,920,000 | $137,143 | $2,791 | 2.70% |
| PEORIA, IL | 19 | $1,915,000 | $100,789 | $1,616 | 3.37% |
| BELLINGHAM, WA | 6 | $1,890,000 | $315,000 | $5,197 | 2.65% |
| MOUNT VERNON-ANACORTES, WA | 6 | $1,850,000 | $308,333 | $6,419 | 2.79% |
| JANESVILLE-BELOIT, WI | 15 | $1,825,000 | $121,667 | $1,711 | 3.27% |
| SAGINAW, MI | 15 | $1,825,000 | $121,667 | $2,034 | 2.73% |
| ABILENE, TX | 13 | $1,825,000 | $140,385 | $2,226 | 2.96% |
| LINCOLN, NE | 9 | $1,775,000 | $197,222 | $3,217 | 2.91% |
| SEBASTIAN-VERO BEACH, FL | 10 | $1,760,000 | $176,000 | $2,723 | 2.80% |
| VICTORIA, TX | 9 | $1,725,000 | $191,667 | $2,878 | 2.86% |
| JOPLIN, MO | 15 | $1,675,000 | $111,667 | $2,252 | 3.47% |
| COLLEGE STATION-BRYAN, TX | 9 | $1,635,000 | $181,667 | $3,855 | 3.07% |
| CASPER, WY | 7 | $1,625,000 | $232,143 | $3,424 | 3.29% |
| KANKAKEE, IL | 9 | $1,615,000 | $179,444 | $2,694 | 2.92% |
| SPRINGFIELD, IL | 10 | $1,570,000 | $157,000 | $2,476 | 2.94% |
| ST. CLOUD, MN | 9 | $1,555,000 | $172,778 | $3,217 | 2.97% |
| ST. JOSEPH, MO-KS | 10 | $1,540,000 | $154,000 | $1,650 | 2.95% |
| STATE COLLEGE, PA | 6 | $1,540,000 | $256,667 | $3,792 | 2.79% |
| LIMA, OH | 11 | $1,535,000 | $139,545 | $3,147 | 2.91% |
| JONESBORO, AR | 13 | $1,535,000 | $118,077 | $1,881 | 3.31% |
| SANTA FE, NM | 6 | $1,530,000 | $255,000 | $4,586 | 3.04% |
| MUSKEGON, MI | 13 | $1,515,000 | $116,538 | $2,436 | 3.00% |
| TEXARKANA, TX-AR | 13 | $1,505,000 | $115,769 | $1,814 | 3.08% |
| ATLANTIC CITY-HAMMONTON, NJ | 8 | $1,460,000 | $182,500 | $3,632 | 3.22% |
| FORT SMITH, AR-OK | 12 | $1,460,000 | $121,667 | $2,235 | 2.85% |
| HOUMA-THIBODAUX, LA | 7 | $1,455,000 | $207,857 | $3,239 | 2.80% |
| DULUTH, MN-WI | 8 | $1,430,000 | $178,750 | $3,854 | 2.83% |
| WICHITA FALLS, TX | 11 | $1,425,000 | $129,545 | $2,094 | 2.75% |
| COLUMBIA, MO | 9 | $1,395,000 | $155,000 | $2,024 | 3.14% |
| OSHKOSH-NEENAH, WI | 11 | $1,345,000 | $122,273 | $1,748 | 3.33% |
| MICHIGAN CITY-LA PORTE, IN | 12 | $1,330,000 | $110,833 | $1,483 | 3.21% |
| DALTON, GA | 8 | $1,330,000 | $166,250 | $2,772 | 3.03% |
| TRENTON-PRINCETON, NJ | 8 | $1,320,000 | $165,000 | $2,252 | 2.87% |
| COLUMBUS, IN | 9 | $1,315,000 | $146,111 | $2,704 | 2.93% |
| ALTOONA, PA | 9 | $1,295,000 | $143,889 | $2,370 | 2.47% |
| KOKOMO, IN | 7 | $1,255,000 | $179,286 | $2,229 | 2.75% |
| BISMARCK, ND | 5 | $1,255,000 | $251,000 | $4,871 | 2.45% |
| SIOUX CITY, IA-NE-SD | 6 | $1,230,000 | $205,000 | $2,225 | 2.88% |
| ELKHART-GOSHEN, IN | 11 | $1,215,000 | $110,455 | $1,432 | 3.44% |
| GRANTS PASS, OR | 5 | $1,215,000 | $243,000 | $2,709 | 2.98% |
| BARNSTABLE TOWN, MA | 4 | $1,190,000 | $297,500 | $6,853 | 2.88% |
| PINE BLUFF, AR | 8 | $1,160,000 | $145,000 | $2,589 | 3.23% |
| FLORENCE-MUSCLE SHOALS, AL | 7 | $1,155,000 | $165,000 | $2,641 | 2.95% |
| WILLIAMSPORT, PA | 8 | $1,130,000 | $141,250 | $2,631 | 2.77% |
| TERRE HAUTE, IN | 10 | $1,120,000 | $112,000 | $2,001 | 3.05% |
| APPLETON, WI | 8 | $1,120,000 | $140,000 | $2,676 | 2.81% |
| CARBONDALE-MARION, IL | 8 | $1,100,000 | $137,500 | $2,867 | 2.69% |
| BLOOMSBURG-BERWICK, PA | 5 | $1,065,000 | $213,000 | $3,076 | 2.73% |
| WEIRTON-STEUBENVILLE, WV-OH | 8 | $980,000 | $122,500 | $1,967 | 3.13% |
| SHEBOYGAN, WI | 7 | $955,000 | $136,429 | $3,178 | 2.82% |
| BLOOMINGTON, IN | 5 | $955,000 | $191,000 | $2,774 | 3.00% |
| JOHNSTOWN, PA | 7 | $945,000 | $135,000 | $3,417 | 2.80% |
| CAPE GIRARDEAU, MO-IL | 7 | $945,000 | $135,000 | $2,010 | 3.21% |
| CEDAR RAPIDS, IA | 7 | $935,000 | $133,571 | $1,744 | 3.47% |
| BOWLING GREEN, KY | 6 | $930,000 | $155,000 | $2,528 | 2.81% |
| WAUSAU-WESTON, WI | 6 | $890,000 | $148,333 | $2,640 | 2.75% |
| MANSFIELD, OH | 7 | $875,000 | $125,000 | $1,828 | 3.36% |
| FAIRBANKS, AK | 4 | $870,000 | $217,500 | $1,965 | 3.00% |
| MIDLAND, MI | 6 | $870,000 | $145,000 | $2,304 | 2.60% |
| JEFFERSON CITY, MO | 6 | $830,000 | $138,333 | $3,008 | 2.50% |
| WHEELING, WV-OH | 8 | $810,000 | $101,250 | $1,636 | 3.00% |
| ROME, GA | 6 | $780,000 | $130,000 | $2,250 | 3.23% |
| IOWA CITY, IA | 4 | $720,000 | $180,000 | $2,308 | 3.09% |
| VINELAND-BRIDGETON, NJ | 4 | $700,000 | $175,000 | $4,234 | 2.94% |
| WATERLOO-CEDAR FALLS, IA | 7 | $665,000 | $95,000 | $1,535 | 2.98% |
| AMES, IA | 4 | $660,000 | $165,000 | $1,661 | 2.90% |
| CHAMPAIGN-URBANA, IL | 7 | $655,000 | $93,571 | $2,049 | 3.27% |
| CUMBERLAND, MD-WV | 5 | $635,000 | $127,000 | $3,118 | 3.00% |
| OWENSBORO, KY | 5 | $625,000 | $125,000 | $2,459 | 2.78% |
| ENID, OK | 4 | $610,000 | $152,500 | $2,106 | 2.88% |
| MUNCIE, IN | 4 | $550,000 | $137,500 | $2,898 | 2.88% |
| EAU CLAIRE, WI | 3 | $515,000 | $171,667 | $2,921 | 2.58% |
| FOND DU LAC, WI | 4 | $510,000 | $127,500 | $1,931 | 3.13% |
| BECKLEY, WV | 3 | $475,000 | $158,333 | $2,964 | 2.58% |
| GRAND ISLAND, NE | 3 | $475,000 | $158,333 | $1,281 | 2.96% |
| PARKERSBURG-VIENNA, WV | 4 | $410,000 | $102,500 | $1,876 | 3.50% |
| DUBUQUE, IA | 2 | $410,000 | $205,000 | $2,720 | 2.50% |
| HOT SPRINGS, AR | 3 | $405,000 | $135,000 | $1,975 | 3.58% |
| CORVALLIS, OR | 1 | $395,000 | $395,000 | $7,098 | 2.25% |
| ROCHESTER, MN | 3 | $395,000 | $131,667 | $2,975 | 3.00% |
| BAY CITY, MI | 3 | $375,000 | $125,000 | $1,779 | 2.63% |
| WALLA WALLA, WA | 2 | $360,000 | $180,000 | $2,653 | 2.63% |
| BLOOMINGTON, IL | 3 | $355,000 | $118,333 | $2,343 | 2.92% |
| FARGO, ND-MN | 3 | $355,000 | $118,333 | $1,502 | 3.00% |
| WINCHESTER, VA-WV | 3 | $355,000 | $118,333 | $2,192 | 3.66% |
| GRAND FORKS, ND-MN | 2 | $340,000 | $170,000 | $1,398 | 4.13% |
| MORGANTOWN, WV | 2 | $280,000 | $140,000 | $4,090 | 2.50% |
| MANKATO, MN | 1 | $165,000 | $165,000 | $12 | 4.25% |
| DANVILLE, IL | 1 | $155,000 | $155,000 | $3,043 | 2.75% |
| LA CROSSE-ONALASKA, WI-MN | 1 | $155,000 | $155,000 | $3,705 | 2.75% |
| SAN JUAN-BAYAMÓN-CAGUAS, PR | 1 | $115,000 | $115,000 | $1,941 | 3.75% |
| DECATUR, IL | 1 | $75,000 | $75,000 | $1,462 | 3.75% |
| OCEAN CITY, NJ | 1 | $75,000 | $75,000 | $804 | 3.00% |
Village Capital & Investment 's top markets include Riverside, Atlanta, Los Angeles, San Diego, and Washington among others.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 9,057 | $2,192,955,000 | $242,128 |
| <2.5% | 8,084 | $2,098,960,000 | $259,644 |
| 3-4% | 6,779 | $1,284,845,000 | $189,533 |
| 4-5% | 673 | $102,405,000 | $152,162 |
| 7-8% | 9 | $445,000 | $49,444 |
During 2020, Village Capital & Investment 's average interest rate was 2.95%, while their most frequently originated rate bucket was 2.5-3%, with 9,057 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 10,719 | $2,938,865,000 | $274,173 | $3,996 | 2.75% |
| $100k-200k | 9,504 | $1,444,460,000 | $151,984 | $2,507 | 2.92% |
| $100,000 or less | 2,163 | $172,965,000 | $79,965 | $1,393 | 3.28% |
| $400k-600k | 1,870 | $877,750,000 | $469,385 | $5,800 | 2.61% |
| $600k-1MM | 333 | $230,815,000 | $693,138 | $8,321 | 2.73% |
| $1MM+ | 13 | $14,755,000 | $1,135,000 | $9,892 | 2.65% |
2020 saw Village Capital & Investment place emphasis on $200k-400k loans with 10,719 originations, totaling $2,938,865,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 80 | $15,360,000 | $192,000 | $5,814 | 3.22% |
| $50k or less | 74 | $10,870,000 | $146,892 | $3,991 | 3.64% |
| $75k-100k | 52 | $13,000,000 | $250,000 | $6,183 | 3.24% |
| $100k-150k | 42 | $12,970,000 | $308,810 | $8,669 | 3.11% |
| $150k-250k | 17 | $5,985,000 | $352,059 | $9,998 | 3.10% |
| $250k+ | 10 | $2,330,000 | $233,000 | $4,173 | 2.60% |
Village Capital & Investment lent most frequently to those with incomes in the $50k-75k range, with 80 originations. The second most popular income band? $50k or less, with 74 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 76 | $14,700,000 | $193,421 | $5,002 | 3.16% |
| <20% | 62 | $12,340,000 | $199,032 | $3,936 | 3.29% |
| 30-36% | 35 | $7,905,000 | $225,857 | $6,763 | 3.39% |
| 50-60% | 21 | $5,495,000 | $261,667 | $8,637 | 3.46% |
| 37% | 11 | $3,195,000 | $290,455 | $8,954 | 3.02% |
| >60% | 8 | $1,710,000 | $213,750 | $3,818 | 3.45% |
| 38% | 8 | $2,470,000 | $308,750 | $11,664 | 3.47% |
| 42% | 7 | $1,405,000 | $200,714 | $5,630 | 3.11% |
| 40% | 7 | $1,385,000 | $197,857 | $5,843 | 3.93% |
| 36% | 6 | $1,450,000 | $241,667 | $13,530 | 3.19% |
| 43% | 5 | $2,015,000 | $403,000 | $6,805 | 3.33% |
| 46% | 5 | $1,245,000 | $249,000 | $3,656 | 3.45% |
| 41% | 5 | $1,035,000 | $207,000 | $7,065 | 2.95% |
| 39% | 4 | $830,000 | $207,500 | $5,794 | 3.13% |
| 47% | 4 | $810,000 | $202,500 | $8,372 | 3.25% |
| 48% | 4 | $1,050,000 | $262,500 | $5,553 | 3.41% |
| 49% | 4 | $910,000 | $227,500 | $9,447 | 3.31% |
| 44% | 4 | $1,070,000 | $267,500 | $9,244 | 3.28% |
| 45% | 2 | $430,000 | $215,000 | $4,369 | 3.69% |
Village Capital & Investment lent most frequently to those with DTI ratios of 20-30%, with 76 originations. The next most common DTI ratio? <20%, with 62 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 14,288 | $3,161,730,000 | $221,286 | $3,233 | 2.91% |
| Not provided | 5,776 | $1,479,940,000 | $256,222 | $3,910 | 2.62% |
| Black | 3,935 | $857,615,000 | $217,945 | $3,102 | 2.99% |
| Asian | 361 | $123,015,000 | $340,762 | $4,381 | 2.86% |
| American Indian | 145 | $30,325,000 | $209,138 | $3,215 | 2.89% |
| Native Hawaiian | 83 | $23,825,000 | $287,048 | $3,992 | 2.79% |
| Other Pacific Islander | 9 | $1,865,000 | $207,222 | $4,878 | 2.83% |
| Other Asian | 2 | $610,000 | $305,000 | $5,117 | 2.75% |
| Asian Indian | 1 | $285,000 | $285,000 | $5,813 | 2.75% |
| Filipino | 1 | $235,000 | $235,000 | $1,616 | 2.75% |
| Japanese | 1 | $165,000 | $165,000 | $3,884 | 2.75% |
Approval Rates
Total approvals of all applications93.03%
Village Capital & Investment has an average approval rate.
Pick Rate
Approvals leading to origination32.70%
Village Capital & Investment has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 24,602 | $5,679,610,000 | $230,860 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 995 | $144,145,000 | $144,869 |
| Single Family (1-4 Units):Site-Built | 23,607 | $5,535,465,000 | $234,484 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 23 | $2,505,000 | $108,913 | $2,025 | 3.10% |
| 40-60% | 99 | $13,975,000 | $141,162 | $2,474 | 3.20% |
| 60-80% | 987 | $148,585,000 | $150,542 | $2,397 | 3.13% |
| 80-100% | 17,212 | $3,895,200,000 | $226,307 | $3,142 | 2.94% |
| Over 100% | 2,349 | $649,465,000 | $276,486 | $4,951 | 2.72% |
| Under 20% | 6 | $920,000 | $153,333 | $3,295 | 2.75% |