Village Capital & Investment Mortgage Lending & HMDA Data, 2010
In 2010, Village Capital & Investment of Henderson, NV reported 5,203 mortgage applications totaling $1.3 billion, down 40% from 2009. The average application was for $246,833, and applicants reported an average income of $79,592. 47% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Philadelphia, PA (600), Edison-New Brunswick, NJ (462) and Camden, NJ (436) (applications in parentheses).
| Mortgage Company & Address | Village Capital & Investment 2460 Paseo Verde Pkwy Suite 100 Henderson, NV 89074 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 5,203 |
| Total Mortgage Loan Application Amount | $1,284,275,000 |
| Average Mortgage Loan Application Amount | $246,833 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $79,592 |
| Highest Applicant Income | $1,128,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Village Capital & Investment filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia, PA | 600 | $ 138,938,000 | $ 231,563 | $ 80,000 |
| Edison-New Brunswick, NJ | 462 | $ 140,694,000 | $ 304,532 | $ 93,000 |
| Camden, NJ | 436 | $ 92,961,000 | $ 213,213 | $ 73,000 |
| Newark-Union, NJ-PA | 299 | $ 92,679,000 | $ 309,963 | $ 96,658 |
| New York-White Plains-Wayne, NY-NJ | 228 | $ 81,433,000 | $ 357,162 | $ 107,859 |
| Baltimore-Towson, MD | 172 | $ 54,881,000 | $ 319,075 | $ 96,000 |
| Pittsburgh, PA | 170 | $ 30,024,000 | $ 176,611 | $ 71,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 161 | $ 34,616,000 | $ 215,006 | $ 71,354 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 150 | $ 62,358,000 | $ 415,720 | $ 126,280 |
| Hartford-West Hartford-East Hartford, CT | 111 | $ 24,823,000 | $ 223,630 | $ 78,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 104 | $ 27,890,000 | $ 268,173 | $ 86,000 |
| New Haven-Milford, CT | 78 | $ 16,918,000 | $ 216,897 | $ 70,000 |
| Bethesda-Rockville-Frederick, MD | 77 | $ 28,758,000 | $ 373,480 | $ 125,000 |
| Richmond, VA | 77 | $ 17,634,000 | $ 229,012 | $ 64,000 |
| Boston-Quincy, MA | 68 | $ 20,720,000 | $ 304,705 | $ 89,000 |
| Indianapolis-Carmel, IN | 68 | $ 11,974,000 | $ 176,088 | $ 74,000 |
| York-Hanover, PA | 66 | $ 13,235,000 | $ 200,530 | $ 66,000 |
| Harrisburg-Carlisle, PA | 65 | $ 11,024,000 | $ 169,600 | $ 64,000 |
| Trenton-Ewing, NJ | 64 | $ 14,787,000 | $ 231,046 | $ 88,000 |
| Wilmington, DE-MD-NJ | 63 | $ 14,492,000 | $ 230,031 | $ 62,857 |
| Cambridge-Newton-Framingham, MA | 62 | $ 18,534,000 | $ 298,935 | $ 87,000 |
| Scranton--Wilkes-Barre, PA | 59 | $ 10,120,000 | $ 171,525 | $ 64,000 |
| Bridgeport-Stamford-Norwalk, CT | 58 | $ 22,677,000 | $ 390,982 | $ 123,000 |
| Reading, PA | 57 | $ 9,909,000 | $ 173,842 | $ 69,000 |
| Lancaster, PA | 54 | $ 9,821,000 | $ 181,870 | $ 61,000 |
| Peabody, MA | 52 | $ 15,675,000 | $ 301,442 | $ 66,000 |
| Portland-South Portland-Biddeford, ME | 50 | $ 10,630,000 | $ 212,600 | $ 44,000 |
| Springfield, MA | 45 | $ 8,053,000 | $ 178,955 | $ 44,000 |
| Gary, IN | 44 | $ 8,578,000 | $ 194,954 | $ 78,000 |
| Worcester, MA | 43 | $ 9,966,000 | $ 231,767 | $ 73,000 |
| Rockingham County-Strafford County, NH | 39 | $ 10,463,000 | $ 268,282 | $ 73,000 |
| Manchester-Nashua, NH | 33 | $ 7,049,000 | $ 213,606 | $ 72,000 |
| Vineland-Millville-Bridgeton, NJ | 33 | $ 5,303,000 | $ 160,696 | $ 57,000 |
| Providence-New Bedford-Fall River, RI-MA | 32 | $ 8,318,000 | $ 259,937 | $ 57,062 |
| Atlantic City-Hammonton, NJ | 26 | $ 5,267,000 | $ 202,576 | $ 60,000 |
| Columbia, SC | 21 | $ 3,046,000 | $ 145,047 | $ 56,000 |
| Oklahoma City, OK | 21 | $ 3,364,000 | $ 160,190 | $ 56,000 |
| Ocean City, NJ | 20 | $ 5,453,000 | $ 272,650 | $ 108,000 |
| Norwich-New London, CT | 19 | $ 4,053,000 | $ 213,315 | $ 71,000 |
| Charleston-North Charleston-Summerville, SC | 18 | $ 3,683,000 | $ 204,611 | $ 76,000 |
| Charlottesville, VA | 18 | $ 4,964,000 | $ 275,777 | $ 82,000 |
| Roanoke, VA | 18 | $ 3,150,000 | $ 175,000 | $ 48,000 |
| Tulsa, OK | 17 | $ 2,685,000 | $ 157,941 | $ 68,000 |
| Dover, DE | 15 | $ 3,372,000 | $ 224,800 | $ 63,000 |
| Erie, PA | 15 | $ 2,558,000 | $ 170,533 | $ 75,000 |
| Lebanon, PA | 15 | $ 2,936,000 | $ 195,733 | $ 56,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 13 | $ 2,369,000 | $ 182,230 | $ 72,384 |
| Evansville, IN-KY | 12 | $ 1,869,000 | $ 155,750 | $ 58,000 |
| Lynchburg, VA | 11 | $ 1,844,000 | $ 167,636 | $ 44,000 |
| Altoona, PA | 10 | $ 1,728,000 | $ 172,800 | $ 61,000 |
| Columbus, OH | 10 | $ 1,784,000 | $ 178,400 | $ 56,000 |
| Elkhart-Goshen, IN | 10 | $ 1,718,000 | $ 171,800 | $ 58,000 |
| Kingsport-Bristol-Bristol, TN-VA | 9 | $ 1,349,000 | $ 149,888 | $ 45,666 |
| Spartanburg, SC | 9 | $ 1,234,000 | $ 137,111 | $ 55,000 |
| State College, PA | 9 | $ 1,770,000 | $ 196,666 | $ 63,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 1,727,000 | $ 191,888 | $ 70,000 |
| Cincinnati-Middletown, OH-KY-IN | 8 | $ 1,530,000 | $ 191,250 | $ 51,000 |
| Greenville-Mauldin-Easley, SC | 8 | $ 1,246,000 | $ 155,750 | $ 63,000 |
| Hagerstown-Martinsburg, MD-WV | 8 | $ 1,658,000 | $ 207,250 | $ 75,000 |
| Johnstown, PA | 8 | $ 1,849,000 | $ 231,125 | $ 80,000 |
| Louisville-Jefferson County, KY-IN | 8 | $ 1,641,000 | $ 205,125 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 1,892,000 | $ 236,500 | $ 80,000 |
| Williamsport, PA | 8 | $ 1,261,000 | $ 157,625 | $ 59,000 |
| Bangor, ME | 7 | $ 1,075,000 | $ 153,571 | $ 41,000 |
| Blacksburg-Christiansburg-Radford, VA | 7 | $ 1,101,000 | $ 157,285 | $ 55,000 |
| Bloomington, IN | 7 | $ 1,177,000 | $ 168,142 | $ 72,000 |
| Lewiston-Auburn, ME | 7 | $ 1,195,000 | $ 170,714 | $ 51,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 911,000 | $ 130,142 | $ 56,000 |
| Raleigh-Cary, NC | 7 | $ 1,708,000 | $ 244,000 | $ 88,000 |
| Salisbury, MD | 7 | $ 1,424,000 | $ 203,428 | $ 63,000 |
| Barnstable Town, MA | 6 | $ 1,560,000 | $ 260,000 | $ 73,000 |
| Cumberland, MD-WV | 6 | $ 687,000 | $ 114,500 | $ 45,000 |
| Florence, SC | 6 | $ 1,033,000 | $ 172,166 | $ 58,000 |
| Harrisonburg, VA | 6 | $ 1,212,000 | $ 202,000 | $ 76,000 |
| Anderson, IN | 5 | $ 729,000 | $ 145,800 | $ 64,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 795,000 | $ 159,000 | $ 16,000 |
| Pittsfield, MA | 5 | $ 816,000 | $ 163,200 | $ 52,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 868,000 | $ 173,600 | $ 66,000 |
| Winchester, VA-WV | 5 | $ 857,000 | $ 171,400 | $ 42,000 |
| Fort Wayne, IN | 4 | $ 649,000 | $ 162,250 | $ 57,000 |
| Greensboro-High Point, NC | 4 | $ 669,000 | $ 167,250 | $ 62,000 |
| Michigan City-La Porte, IN | 4 | $ 608,000 | $ 152,000 | $ 50,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,280,000 | $ 320,000 | $ 111,000 |
| Anderson, SC | 3 | $ 580,000 | $ 193,333 | $ 96,000 |
| Memphis, TN-MS-AR | 3 | $ 750,000 | $ 250,000 | $ 91,000 |
| Sumter, SC | 3 | $ 535,000 | $ 178,333 | $ 63,000 |
| Winston-Salem, NC | 3 | $ 509,000 | $ 169,666 | $ 83,000 |
| Boulder, CO | 2 | $ 377,000 | $ 188,500 | $ 110,000 |
| Danville, VA | 2 | $ 258,000 | $ 129,000 | $ 91,000 |
| Knoxville, TN | 2 | $ 357,000 | $ 178,500 | $ 49,000 |
| Lafayette, IN | 2 | $ 356,000 | $ 178,000 | $ 61,000 |
| Lawton, OK | 2 | $ 483,000 | $ 241,500 | $ 140,000 |
| Muncie, IN | 2 | $ 361,000 | $ 180,500 | $ 79,000 |
| Nassau-Suffolk, NY | 2 | $ 648,000 | $ 324,000 | $ 101,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 312,000 | $ 156,000 | $ 195,000 |
| Akron, OH | 1 | $ 260,000 | $ 260,000 | $ 51,000 |
| Asheville, NC | 1 | $ 231,000 | $ 231,000 | $ 52,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 108,000 | $ 108,000 | $ 22,000 |
| Bakersfield-Delano, CA | 1 | $ 67,000 | $ 67,000 | $ 14,000 |
| Canton-Massillon, OH | 1 | $ 234,000 | $ 234,000 | $ 79,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 63,000 | $ 63,000 | $ 45,000 |
| Durham-Chapel Hill, NC | 1 | $ 315,000 | $ 315,000 | $ 195,000 |
| Fayetteville, NC | 1 | $ 134,000 | $ 134,000 | $ 38,000 |
| Huntsville, AL | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Jacksonville, NC | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Johnson City, TN | 1 | $ 227,000 | $ 227,000 | $ 80,000 |
| Kokomo, IN | 1 | $ 247,000 | $ 247,000 | $ 59,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 99,000 | $ 99,000 | $ 30,000 |
| Naples-Marco Island, FL | 1 | $ 236,000 | $ 236,000 | $ 63,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 281,000 | $ 281,000 | $ 96,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 139,000 | $ 139,000 | $ 49,000 |
| Port St. Lucie, FL | 1 | $ 76,000 | $ 76,000 | $ 19,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 584,000 | $ 584,000 | $ 162,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 163,000 | $ 163,000 | $ 77,000 |
| Toledo, OH | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Village Capital & Investment in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 4,891 | $1,218,794,000 | $249,000 | $1,900,000 | $80,000 | $1,128,000 |
| Home Purchase | 307 | $64,167,000 | $209,000 | $638,000 | $73,000 | $355,000 |
| Home Improvement | 5 | $1,314,000 | $262,000 | $427,000 | $86,000 | $109,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,524 | $882,892,000 | $250,000 | $1,213,000 | $84,000 | $967,000 |
| Not Provided | 692 | $163,861,000 | $236,000 | $983,000 | $64,000 | $1,128,000 |
| Black or African American | 508 | $108,193,000 | $212,000 | $893,000 | $68,000 | $254,000 |
| Hispanic | 320 | $77,579,000 | $242,000 | $745,000 | $75,000 | $341,000 |
| Asian | 131 | $40,576,000 | $309,000 | $1,154,000 | $96,000 | $442,000 |
| American Indian or Alaskan Native | 18 | $7,906,000 | $439,000 | $1,900,000 | $130,000 | $653,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $3,268,000 | $326,000 | $549,000 | $92,000 | $175,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 4,379 | $1,063,080,000 | $242,000 | $756,000 | $74,000 | $1,128,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 811 | $217,356,000 | $268,000 | $1,900,000 | $112,000 | $747,000 |
| VA-guaranteed (Veterans Administration) | 13 | $3,839,000 | $295,000 | $682,000 | $29,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,425 | $584,699,000 | $241,000 | $1,056,000 | $79,000 | $597,000 |
| Application Withdrawn By Applicant | 1,792 | $436,208,000 | $243,000 | $1,213,000 | $79,000 | $967,000 |
| Application Denied By Financial Institution | 605 | $156,329,000 | $258,000 | $1,900,000 | $76,000 | $1,128,000 |
| Application Approved But Not Accepted | 203 | $57,952,000 | $285,000 | $1,055,000 | $99,000 | $747,000 |
| File Closed For Incompleteness | 178 | $49,087,000 | $275,000 | $1,213,000 | $95,000 | $729,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 139 | $39,535,000 | $284,000 | $1,900,000 | $93,000 | $653,000 |
| Debt-To-Income Ratio | 56 | $16,050,000 | $286,000 | $983,000 | $66,000 | $370,000 |
| Credit History | 34 | $8,466,000 | $249,000 | $521,000 | $68,000 | $168,000 |
| Other | 26 | $6,065,000 | $233,000 | $575,000 | $68,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $4,669,000 | $245,000 | $770,000 | $93,000 | $442,000 |
| Unverifiable Information | 13 | $2,721,000 | $209,000 | $401,000 | $80,000 | $231,000 |
| Employment History | 12 | $2,464,000 | $205,000 | $382,000 | $49,000 | $85,000 |
| Credit Application Incomplete | 2 | $1,110,000 | $555,000 | $737,000 | $184,000 | $227,000 |
| Mortgage Insurance Denied | 1 | $408,000 | $408,000 | $408,000 | $110,000 | $110,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Village Capital & Investment's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Village Capital & Investment's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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