Lenders › Village Capital & Investment › Georgia
Village Capital & Investment in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia 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 Georgia, Village Capital & Investment reported 2,383 applications and 797 originations for 2024, $274m in all.
Its denial rate in the state was 21.3%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 18.0%.
The median rate spread on its Georgia originations was -0.6 percentage points (state median 0.4).
Applications in the state were up 95% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Village Capital & Investment, all states | United States |
|---|---|---|---|---|
| Denial rate | 21.3% | 26.9% | 18.0% | 24.3% |
| Median rate spread, pp | -0.6 | 0.4 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.9% | 17.5% | 1.7% | 15.6% |
| Average originated loan | $344k | $313k | $357k | $329k |
| Home purchase share | 3.9% | 57.0% | 5.5% | 57.0% |
| FHA-insured share | 23.8% | 18.3% | 28.1% | 13.4% |
| VA-guaranteed share | 75.9% | 11.6% | 71.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 4% (31)Refinancing 81% (644)Cash-out refinancing 15% (122)
By type
Denial reasons as coded
Share of 379 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 145 | 51 | $21m | 19.0% |
| Fulton County | 127 | 44 | $20m | 23.3% |
| Henry County | 124 | 43 | $16m | 25.8% |
| Chatham County | 102 | 38 | $11m | 21.5% |
| DeKalb County | 131 | 34 | $12m | 27.2% |
| Columbia County | 83 | 33 | $11m | 10.4% |
| Clayton County | 98 | 32 | $9.6m | 16.4% |
| Cobb County | 95 | 27 | $10m | 32.9% |
| Liberty County | 64 | 27 | $7.4m | 12.8% |
| Houston County | 70 | 26 | $8.0m | 17.6% |
| Douglas County | 56 | 22 | $7.6m | 20.0% |
| Newton County | 53 | 21 | $7.4m | 25.0% |
| Cherokee County | 43 | 21 | $9.8m | 9.4% |
| Effingham County | 44 | 20 | $7.3m | 8.8% |
| Richmond County | 70 | 19 | $5.2m | 17.3% |
| Rockdale County | 78 | 18 | $6.0m | 30.5% |
| Paulding County | 60 | 17 | $6.7m | 25.0% |
| Barrow County | 34 | 13 | $4.3m | 19.2% |
| Coweta County | 33 | 13 | $4.5m | 16.0% |
| Muscogee County | 46 | 12 | $3.7m | 19.4% |
| Bartow County | 35 | 11 | $3.2m | 26.9% |
| Fayette County | 30 | 11 | $5.4m | — |
| Walton County | 29 | 11 | $5.0m | 25.9% |
| Lowndes County | 30 | 10 | $2.4m | — |
| Carroll County | 35 | 8 | $3.3m | 20.0% |
| Bibb County | 39 | 7 | $1.9m | 32.1% |
| Camden County | 29 | 7 | $2.1m | — |
| Troup County | 25 | 7 | $2.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Village Capital & Investment originate in Georgia in 2024?
797 loans totalling $274m, from 2,383 applications reported for properties in Georgia.
What is Village Capital & Investment's denial rate in Georgia?
21.3% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does Village Capital & Investment lend in most?
By originations: Gwinnett County (51), Fulton County (44), Henry County (43), Chatham County (38), DeKalb County (34).
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 Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.