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records Village Capital & Investment filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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