Lenders › Village Capital & Investment › California
Village Capital & Investment in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, Village Capital & Investment reported 2,520 applications and 685 originations for 2024, $362m in all.
Its denial rate in the state was 20.4%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 18.0%.
The median rate spread on its California originations was -0.2 percentage points (state median 0.4).
Applications in the state were up 144% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Village Capital & Investment, all states | United States |
|---|---|---|---|---|
| Denial rate | 20.4% | 24.8% | 18.0% | 24.3% |
| Median rate spread, pp | -0.2 | 0.4 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.5% | 19.9% | 1.7% | 15.6% |
| Average originated loan | $528k | $566k | $357k | $329k |
| Home purchase share | 4.4% | 51.2% | 5.5% | 57.0% |
| FHA-insured share | 49.6% | 11.4% | 28.1% | 13.4% |
| VA-guaranteed share | 50.4% | 4.8% | 71.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 4% (30)Refinancing 85% (584)Cash-out refinancing 10% (71)
By type
Denial reasons as coded
Share of 337 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Riverside County | 437 | 144 | $78m | 20.2% |
| San Bernardino County | 360 | 101 | $45m | 17.5% |
| Los Angeles County | 463 | 98 | $68m | 20.4% |
| San Diego County | 235 | 61 | $42m | 19.2% |
| Sacramento County | 121 | 39 | $19m | 21.7% |
| Kern County | 125 | 33 | $11m | 24.7% |
| San Joaquin County | 82 | 23 | $11m | 21.8% |
| Orange County | 64 | 17 | $12m | 18.4% |
| Fresno County | 50 | 17 | $7.0m | 21.1% |
| Stanislaus County | 42 | 13 | $5.6m | 24.2% |
| Solano County | 45 | 11 | $5.3m | 12.9% |
| Tulare County | 41 | 11 | $3.8m | 20.7% |
| Shasta County | 30 | 10 | $3.7m | — |
| Contra Costa County | 40 | 9 | $6.4m | 32.0% |
| Merced County | 32 | 9 | $3.2m | — |
| Ventura County | 29 | 8 | $5.3m | — |
| Kings County | 25 | 6 | $2.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Village Capital & Investment originate in California in 2024?
685 loans totalling $362m, from 2,520 applications reported for properties in California.
What is Village Capital & Investment's denial rate in California?
20.4% of decided applications in California were denied, against 24.8% for all lenders in the state and 18.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Village Capital & Investment lend in most?
By originations: Riverside County (144), San Bernardino County (101), Los Angeles County (98), San Diego County (61), Sacramento County (39).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.