HMDA records
64,360
2025
Public institution profile · Mortgage company · Not a recommendation
VILLAGE CAPITAL & INVESTMENT
Also published as VILLAGE CAP & INV
Mortgage companyACTIVE
Primary category-specific identifier not published for this profile.
Data observedSection records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 3871528
- Not published — no verified match
Verification status not yet publishedVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Mortgage company
- Status
- ACTIVE
- HMDA activity
- Published activity year 2025
- Complaint records
- CFPB search status is not currently available.
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Mortgage company
- Status
- ACTIVE
- activity
- Published activity year 2025
- Complaint records
- CFPB search status is not currently available.
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
Institution identity
Mortgage company identity
Source-backed identity fields for a nondepository mortgage or financial institution. FDIC insurance and NCUA charter identifiers are not applicable to this category.
- Legal name
- VILLAGE CAPITAL & INVESTMENT
- Display name
- VILLAGE CAP & INV
- Institution status
- ACTIVE
- Federal Reserve
- 3871528
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
64,360reported records
10,858reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
10,858
2025
Denials
6,408
2025
Withdrawals
5,897
2025
Denial rate among decisioned applications
25.5%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 64,360 | 10,858 | 7,840 | 6,408 | 5,897 | 25.5% |
| 2024 | 60,039 | 11,531 | 8,763 | 4,450 | 5,018 | 18.0% |
| 2023 | 38,639 | 3,573 | 3,172 | 2,648 | 2,770 | 28.2% |
| 2022 | 36,288 | 4,781 | 5,234 | 3,555 | 4,641 | 26.2% |
| 2021 | 71,656 | 30,026 | 15,355 | 4,269 | 4,920 | 8.6% |
| 2020 | 52,380 | 24,602 | 9,426 | 2,443 | 3,264 | 6.7% |
| 2019 | 14,025 | 5,270 | 1,371 | 1,290 | 4,071 | 16.3% |
| 2018 | 9,027 | 2,087 | 1,407 | 1,625 | 2,151 | 31.7% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 115 |
| FHA | 27,132 |
| VA | 36,011 |
| RHS / FSA | 1,102 |
| Home purchase | 21,486 |
| Home improvement | 0 |
| Refinancing | 25,979 |
| Cash-out refinancing | 16,895 |
State reporting
51 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Total CFPB mortgage complaint records
734
Coverage start
December 1, 2012
Data through
August 20, 2026
Annual activity
| Year | Complaint records |
|---|---|
| 2013 | 2 |
| 2014 | 6 |
| 2015 | 5 |
| 2016 | 3 |
| 2017 | 9 |
| 2018 | 7 |
| 2019 | 12 |
| 2020 | 44 |
| 2021 | 52 |
| 2022 | 51 |
| 2023 | 74 |
| 2024 | 97 |
| 2025 | 188 |
| 2026 | 184 |
Leading issues
Trouble during payment process
None
113
Trouble during payment process
Escrow, taxes, or insurance
93
Trouble during payment process
Trying to communicate with the company to fix an issue while managing or servicing your loan
64
Struggling to pay mortgage
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
59
Applying for a mortgage or refinancing an existing mortgage
None
57
View all issues (39)
Trouble during payment process
Payment process
56
Struggling to pay mortgage
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
49
Struggling to pay mortgage
None
32
Struggling to pay mortgage
An existing modification, forbearance plan, short sale, or other loss mitigation relief
20
Applying for a mortgage or refinancing an existing mortgage
Trying to communicate with the company to fix an issue with the application process
18
Closing on a mortgage
None
17
Closing on a mortgage
Delays with the closing process
15
Trouble during payment process
Paying off the loan
15
Closing on a mortgage
Closing disclosure or other related disclosures
11
Struggling to pay mortgage
Foreclosure
11
Incorrect information on your report
Account status incorrect
10
Trouble during payment process
Loan sold or transferred to another company
10
Trouble during payment process
Fees charged
9
Applying for a mortgage or refinancing an existing mortgage
Confusing or misleading advertising or marketing
8
Applying for a mortgage or refinancing an existing mortgage
Delays in the application process
8
Application, originator, mortgage broker
None
6
Closing on a mortgage
Changes in loan terms during or after closing
6
Closing on a mortgage
Fees or costs after closing
5
Loan modification,collection,foreclosure
None
5
Loan servicing, payments, escrow account
None
5
Closing on a mortgage
Trying to communicate with the company to fix an issue with the loan closing
4
Applying for a mortgage or refinancing an existing mortgage
Application denials
3
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
3
Applying for a mortgage or refinancing an existing mortgage
Fees or costs during the application process
3
Improper use of your report
Reporting company used your report improperly
3
Incorrect information on your report
Account information incorrect
3
Settlement process and costs
None
3
Trouble during payment process
Lien release
3
Trouble during payment process
Private mortgage insurance (PMI)
2
Applying for a mortgage or refinancing an existing mortgage
Loan estimate or other related disclosures
1
Credit monitoring or identity theft protection services
Billing dispute for services
1
Incorrect information on your report
Public record information inaccurate
1
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
1
Trouble during payment process
Interest rate
1
States
Texas
80
Florida
71
Georgia
60
California
57
North Carolina
41
View all states (48)
Arizona
31
Illinois
26
New Jersey
26
Pennsylvania
26
Missouri
24
Virginia
22
South Carolina
21
Tennessee
19
Arkansas
18
Ohio
16
Maryland
15
Colorado
13
Michigan
13
Oklahoma
13
Alabama
12
Indiana
12
Utah
11
Mississippi
10
Nevada
9
Washington
9
Louisiana
8
Connecticut
7
Delaware
7
Idaho
7
Oregon
6
Maine
5
Minnesota
5
Wisconsin
4
Iowa
3
Kansas
3
Kentucky
3
Massachusetts
3
New Mexico
3
None
3
District of Columbia
2
New Hampshire
2
West Virginia
2
Hawaii
1
Nebraska
1
North Dakota
1
Rhode Island
1
South Dakota
1
Wyoming
1
Company response
Closed with explanation
727
Closed with monetary relief
5
Closed
2
Timely response
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
724
No
10
How to read these figures
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Data not published for this profile. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
No published branch result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryEvent dates come from the source row. The observed date is when USMI reviewed the file.
No published institution history result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
No published source link is attached to this profile yet. That does not establish that no official record exists.