Village Capital & Investment Mortgage Lending & HMDA Data, 2016
In 2016, Village Capital & Investment of Henderson, NV reported 16,166 mortgage applications totaling $2.6 billion, up 15% from 2015. The average application was for $162,906, and applicants reported an average income of $1,008. 42% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (614), Houston-The Woodlands-Sugar Land, TX (527) and Dallas-Plano-Irving, TX (398) (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 | 16,166 |
| Total Mortgage Loan Application Amount | $2,633,553,000 |
| Average Mortgage Loan Application Amount | $162,906 |
| Highest Mortgage Loan Application Amount | $1,063,000 |
| Average Applicant Income | $1,008 |
| Highest Applicant Income | $1,211,000 |
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records Village Capital & Investment filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 16,162 | $2,632,517,000 | $162,000 | $1,063,000 | $1,000 | $1,211,000 |
| Home Purchase | 4 | $1,036,000 | $259,000 | $348,000 | $35,000 | $143,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 9,148 | $1,472,671,000 | $160,000 | $1,063,000 | $1,000 | $1,211,000 |
| Black or African American | 3,424 | $552,415,000 | $161,000 | $949,000 | $1,000 | $648,000 |
| Hispanic | 1,842 | $304,896,000 | $165,000 | $763,000 | $1,000 | $170,000 |
| Not Provided | 1,294 | $212,533,000 | $164,000 | $722,000 | $1,000 | $155,000 |
| Asian | 279 | $58,295,000 | $208,000 | $751,000 | $5,000 | $160,000 |
| American Indian or Alaskan Native | 95 | $16,897,000 | $177,000 | $481,000 | $1,000 | $129,000 |
| Native Hawaiin or Other Pacific Islander | 84 | $15,846,000 | $188,000 | $670,000 | $1,000 | $77,000 |
| 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) | 10,021 | $1,470,822,000 | $146,000 | $709,000 | $1,000 | $648,000 |
| VA-guaranteed (Veterans Administration) | 6,145 | $1,162,731,000 | $189,000 | $1,063,000 | $1,000 | $1,211,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6,752 | $1,040,915,000 | $154,000 | $784,000 | $0 | $236,000 |
| Application Withdrawn By Applicant | 5,119 | $805,661,000 | $157,000 | $1,063,000 | $2,000 | $1,211,000 |
| Application Denied By Financial Institution | 2,070 | $306,558,000 | $148,000 | $833,000 | $1,000 | $648,000 |
| Loan Purchased By The Institution | 1,960 | $439,563,000 | $224,000 | $896,000 | $2,000 | $234,000 |
| Application Approved But Not Accepted | 258 | $39,981,000 | $154,000 | $712,000 | $0 | $52,000 |
| File Closed For Incompleteness | 7 | $875,000 | $125,000 | $213,000 | $5,000 | $41,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 991 | $142,848,000 | $144,000 | $621,000 | $0 | $89,000 |
| Other | 539 | $91,728,000 | $170,000 | $833,000 | $1,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 517 | $68,585,000 | $132,000 | $561,000 | $2,000 | $648,000 |
| Debt-To-Income Ratio | 7 | $1,351,000 | $193,000 | $325,000 | $22,000 | $48,000 |
| Unverifiable Information | 5 | $629,000 | $125,000 | $163,000 | $15,000 | $76,000 |
| Employment History | 4 | $364,000 | $91,000 | $136,000 | $0 | $0 |
| Collateral | 2 | $363,000 | $181,000 | $225,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Village Capital & Investment's 2016 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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