Village Capital & Investment Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300VCMRO4ST680C11

Tax ID: 20-0192872

2020 Data | 2019 Data | 2018 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

24,602

Origination Dollar Volume (All Markets)

$5,679,610,000

Awards

2020 VILLAGE CAPITAL & INVESTMENT  Low Rate Award
Details

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 applications
93.03%

Village Capital & Investment has an average approval rate.

Pick Rate

Approvals leading to origination
32.70%

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%