Lenders › Village Capital & Investment › Ohio
Village Capital & Investment in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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.
Village Capital & Investment's 2024 HMDA record for Ohio covers 1,150 applications, 379 of them originated, worth $100m.
Its denial rate in the state was 16.7%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 18.0%.
The median rate spread on its Ohio originations was -0.5 percentage points (state median 0.5).
Applications in the state were up 89% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Village Capital & Investment, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.7% | 23.5% | 18.0% | 24.3% |
| Median rate spread, pp | -0.5 | 0.5 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.2% | 17.7% | 1.7% | 15.6% |
| Average originated loan | $264k | $218k | $357k | $329k |
| Home purchase share | 4.2% | 51.7% | 5.5% | 57.0% |
| FHA-insured share | 33.2% | 12.3% | 28.1% | 13.4% |
| VA-guaranteed share | 66.2% | 5.9% | 71.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 4% (16)Refinancing 82% (309)Cash-out refinancing 14% (54)
By type
Denial reasons as coded
Share of 136 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 128 | 41 | $12m | 16.9% |
| Cuyahoga County | 87 | 24 | $5.9m | 18.9% |
| Montgomery County | 71 | 24 | $6.1m | 18.6% |
| Summit County | 34 | 17 | $4.4m | 20.0% |
| Trumbull County | 35 | 15 | $3.2m | 18.8% |
| Hamilton County | 85 | 14 | $3.7m | 17.6% |
| Stark County | 40 | 12 | $2.9m | 30.8% |
| Lucas County | 33 | 12 | $2.9m | — |
| Fairfield County | 29 | 12 | $3.3m | — |
| Clermont County | 30 | 11 | $2.7m | — |
| Mahoning County | 25 | 10 | $2.4m | — |
| Warren County | 34 | 9 | $2.4m | — |
| Lorain County | 31 | 8 | $1.9m | — |
| Butler County | 51 | 7 | $1.9m | 18.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Village Capital & Investment originate in Ohio in 2024?
379 loans totalling $100m, from 1,150 applications reported for properties in Ohio.
What is Village Capital & Investment's denial rate in Ohio?
16.7% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Village Capital & Investment lend in most?
By originations: Franklin County (41), Cuyahoga County (24), Montgomery County (24), Summit County (17), Trumbull County (15).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.