Applications / Mortgage Analytics / Lenders / Nevada / Village Capital & Investment
Henderson, NV · Independent non-bank lender · CFPB · 10,858 loans in 2025
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10,858
loans originated, 2025
32,888
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Village Capital & Investment refinances VA and FHA loans almost exclusively and buys far more loans than it makes, with originations down 6% in 2025.
Refinances were 98.7% of its 2025 loans. VA loans (guaranteed by the Department of Veterans Affairs) were 69.7% and FHA loans (insured by the Federal Housing Administration) 30.0%, against 8.8% and 25.6% for similar lenders (independent non-bank lenders making between half and twice as many loans); conventional loans were 0.2%.
It bought 31,472 loans, up from 26,015 the year before and 10,477 five years earlier, while its peers typically bought none. That is far more than its own 10,858 originations.
It made 30,026 loans in 2021 and 3,573 in 2023, then 11,531 in 2024. Its typical rate was 2.75% five years earlier and 5.75% now; for a lender this concentrated on refinancing, the level of rates could be one reason for those swings. Originations fell 6% in 2025, while similar lenders typically grew 11%.
Its typical rate of 5.75% was lower than about nine in ten peers, whose typical rate was 6.62%. 33.8% of its loans went to LMI (low- and moderate-income) borrowers and 31.0% were in majority-minority areas, against 30.0% and 25.1% for peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Village Capital & Investment took 32,888 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 98.7% · Purchase 1.3%
VA 69.7% · FHA 30.0% · Conventional 0.2% · USDA (RHS or FSA) 0.1% · of 10,858 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,052 | 9.7% |
| Florida | 935 | 8.6% |
| California | 770 | 7.1% |
| Georgia | 706 | 6.5% |
| North Carolina | 705 | 6.5% |
| Virginia | 580 | 5.3% |
| Missouri | 413 | 3.8% |
| South Carolina | 382 | 3.5% |
| Ohio | 351 | 3.2% |
| Tennessee | 349 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 316 |
| Riverside-San Bernardino-Ontario | 263 |
| Virginia Beach-Chesapeake-Norfolk | 263 |
| Houston-Pasadena-The Woodlands | 198 |
| Phoenix-Mesa-Chandler | 179 |
| Los Angeles-Long Beach-Glendale | 172 |
| San Antonio-New Braunfels | 166 |
| Tampa | 161 |
| Dallas-Plano-Irving | 158 |
| Charlotte-Concord-Gastonia | 140 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VCMRO4ST680C11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3871528 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7200192872 |
Established 31 July 2003. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Village Capital & Investment's data.
Village Capital & Investment's data
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