Lenders › Village Capital & Investment › Florida
Village Capital & Investment in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida, Village Capital & Investment reported 3,516 applications and 1,070 originations for 2024, $402m in all.
Its denial rate in the state was 19.7%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 18.0%.
The median rate spread on its Florida originations was -0.7 percentage points (state median 0.3).
Applications in the state were up 101% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Village Capital & Investment, all states | United States |
|---|---|---|---|---|
| Denial rate | 19.7% | 29.0% | 18.0% | 24.3% |
| Median rate spread, pp | -0.7 | 0.3 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.8% | 16.4% | 1.7% | 15.6% |
| Average originated loan | $375k | $359k | $357k | $329k |
| Home purchase share | 6.9% | 62.9% | 5.5% | 57.0% |
| FHA-insured share | 25.3% | 17.7% | 28.1% | 13.4% |
| VA-guaranteed share | 74.5% | 9.5% | 71.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 7% (74)Refinancing 79% (843)Cash-out refinancing 14% (153)
By type
Denial reasons as coded
Share of 497 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 336 | 94 | $39m | 19.0% |
| Polk County | 224 | 66 | $21m | 26.2% |
| Marion County | 173 | 60 | $18m | 21.2% |
| Brevard County | 167 | 60 | $21m | 15.0% |
| Duval County | 182 | 56 | $21m | 17.5% |
| Orange County | 145 | 47 | $21m | 23.2% |
| Pasco County | 133 | 42 | $16m | 23.6% |
| St. Lucie County | 111 | 35 | $14m | 14.1% |
| Lee County | 121 | 33 | $12m | 22.8% |
| Osceola County | 113 | 33 | $13m | 23.7% |
| Lake County | 87 | 32 | $12m | 18.2% |
| Broward County | 145 | 31 | $15m | 23.3% |
| Volusia County | 129 | 31 | $11m | 18.9% |
| Clay County | 79 | 30 | $11m | 25.8% |
| Santa Rosa County | 58 | 29 | $11m | 4.5% |
| Miami-Dade County | 138 | 28 | $12m | 36.0% |
| Palm Beach County | 128 | 28 | $12m | 26.4% |
| Hernando County | 77 | 27 | $8.9m | 17.9% |
| Pinellas County | 77 | 25 | $10m | 19.7% |
| Escambia County | 86 | 23 | $7.9m | 14.1% |
| Okaloosa County | 59 | 20 | $8.1m | 16.3% |
| Charlotte County | 53 | 19 | $7.6m | 14.3% |
| Citrus County | 46 | 19 | $5.3m | 21.2% |
| Manatee County | 41 | 17 | $9.3m | 7.4% |
| St. Johns County | 40 | 16 | $8.1m | 23.3% |
| Seminole County | 62 | 15 | $5.2m | 14.6% |
| Sarasota County | 61 | 15 | $6.6m | 18.6% |
| Flagler County | 51 | 14 | $4.3m | 17.1% |
| Bay County | 46 | 14 | $4.5m | 8.6% |
| Leon County | 27 | 12 | $3.7m | — |
| Highlands County | 27 | 8 | $2.3m | — |
| Collier County | 34 | 7 | $3.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Village Capital & Investment originate in Florida in 2024?
1,070 loans totalling $402m, from 3,516 applications reported for properties in Florida.
What is Village Capital & Investment's denial rate in Florida?
19.7% of decided applications in Florida were denied, against 29.0% 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 Florida counties does Village Capital & Investment lend in most?
By originations: Hillsborough County (94), Polk County (66), Marion County (60), Brevard County (60), Duval County (56).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.