Lenders › Village Capital & Investment › Texas
Village Capital & Investment in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas, Village Capital & Investment reported 2,596 applications and 1,137 originations for 2024, $413m in all.
Its denial rate in the state was 12.1%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 18.0%.
The median rate spread on its Texas originations was -0.7 percentage points (state median 0.2).
Applications in the state were up 483% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Village Capital & Investment, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.1% | 26.0% | 18.0% | 24.3% |
| Median rate spread, pp | -0.7 | 0.2 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.1% | 11.8% | 1.7% | 15.6% |
| Average originated loan | $363k | $350k | $357k | $329k |
| Home purchase share | 7.4% | 72.8% | 5.5% | 57.0% |
| FHA-insured share | 25.4% | 19.8% | 28.1% | 13.4% |
| VA-guaranteed share | 74.4% | 10.4% | 71.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 7% (84)Refinancing 93% (1,053)
By type
Denial reasons as coded
Share of 233 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 280 | 116 | $40m | 17.1% |
| Bexar County | 253 | 112 | $42m | 9.6% |
| Tarrant County | 180 | 72 | $28m | 14.6% |
| El Paso County | 171 | 68 | $20m | 5.0% |
| Bell County | 130 | 58 | $18m | 7.2% |
| Denton County | 77 | 43 | $18m | 6.5% |
| Dallas County | 114 | 41 | $17m | 25.9% |
| Montgomery County | 73 | 37 | $14m | 15.3% |
| Fort Bend County | 73 | 37 | $14m | 12.0% |
| Collin County | 64 | 30 | $14m | 10.0% |
| Kaufman County | 61 | 27 | $12m | 18.8% |
| Ellis County | 55 | 25 | $12m | 9.3% |
| Nueces County | 37 | 23 | $7.0m | 12.9% |
| Williamson County | 45 | 21 | $8.2m | 2.6% |
| Parker County | 43 | 18 | $8.2m | 12.1% |
| Johnson County | 35 | 17 | $6.8m | 0.0% |
| Hidalgo County | 39 | 15 | $4.5m | 22.6% |
| Midland County | 26 | 15 | $4.9m | — |
| Brazoria County | 36 | 14 | $5.1m | 10.3% |
| Galveston County | 30 | 14 | $5.0m | — |
| Travis County | 29 | 13 | $5.7m | — |
| Randall County | 28 | 11 | $3.8m | — |
| Guadalupe County | 36 | 10 | $3.9m | 9.7% |
| Cameron County | 28 | 10 | $3.1m | — |
| Ector County | 25 | 7 | $1.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Village Capital & Investment originate in Texas in 2024?
1,137 loans totalling $413m, from 2,596 applications reported for properties in Texas.
What is Village Capital & Investment's denial rate in Texas?
12.1% of decided applications in Texas were denied, against 26.0% 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 Texas counties does Village Capital & Investment lend in most?
By originations: Harris County (116), Bexar County (112), Tarrant County (72), El Paso County (68), Bell County (58).
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 Texas. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.