Lenders › Village Capital & Investment › Missouri
Village Capital & Investment in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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 Missouri, Village Capital & Investment reported 921 applications and 388 originations for 2024, $106m in all.
Its denial rate in the state was 12.4%, below the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 18.0%.
The median rate spread on its Missouri originations was -0.5 percentage points (state median 0.4).
Applications in the state were up 134% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Village Capital & Investment, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.4% | 19.9% | 18.0% | 24.3% |
| Median rate spread, pp | -0.5 | 0.4 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.5% | 14.1% | 1.7% | 15.6% |
| Average originated loan | $272k | $231k | $357k | $329k |
| Home purchase share | 1.8% | 58.6% | 5.5% | 57.0% |
| FHA-insured share | 28.6% | 12.8% | 28.1% | 13.4% |
| VA-guaranteed share | 70.4% | 8.2% | 71.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 2% (7)Refinancing 93% (359)Cash-out refinancing 6% (22)
By type
Conventional 1% (2)FHA 29% (111)VA 70% (273)USDA 1% (2)
Denial reasons as coded
Share of 82 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Greene County | 82 | 36 | $10m | 16.7% |
| Jackson County | 102 | 33 | $10m | 11.3% |
| St. Louis County | 92 | 33 | $10m | 8.2% |
| St. Charles County | 55 | 23 | $6.9m | 12.8% |
| Pulaski County | 36 | 22 | $5.1m | 6.5% |
| Jefferson County | 53 | 20 | $5.6m | 20.5% |
| Christian County | 29 | 11 | $3.6m | — |
| Boone County | 32 | 10 | $2.7m | 20.0% |
| Clay County | 25 | 8 | $2.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Village Capital & Investment originate in Missouri in 2024?
388 loans totalling $106m, from 921 applications reported for properties in Missouri.
What is Village Capital & Investment's denial rate in Missouri?
12.4% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Village Capital & Investment lend in most?
By originations: Greene County (36), Jackson County (33), St. Louis County (33), St. Charles County (23), Pulaski County (22).
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.