Purchase Originations
143
Median Total Costs
$9,585
+43.5% vs national ($6,680)
↓ $2,350 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,611
Median Lender Credits
$1,179
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| va | 77 | 6.500% | $6,878 | $1,950 |
| fha | 57 | 6.250% | $12,433 | $3,484 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 18 | 6.188% | $8,175 | — |
| North Carolina | 14 | 6.188% | $9,789 | — |
| Georgia | 12 | 6.312% | $7,212 | — |
| Texas | 12 | 6.500% | $15,213 | — |
| Utah | 10 | 5.875% | $16,078 | — |
| Ohio | 6 | 6.438% | $7,163 | — |
| Tennessee | 6 | 6.500% | $13,958 | — |
| Arizona | 5 | 7.125% | $5,807 | — |
| California | 5 | 5.375% | $11,543 | — |
| Colorado | 5 | 5.875% | $16,658 | — |
| Missouri | 5 | 6.625% | $4,855 | — |
| Virginia | 5 | 6.250% | $15,424 | — |
| Louisiana | 4 | 6.188% | $5,376 | — |
| Nevada | 4 | 6.558% | $10,112 | — |
| Indiana | 3 | 6.250% | $7,976 | — |
| Michigan | 3 | 5.990% | $8,309 | — |
| Pennsylvania | 3 | 6.250% | $11,044 | — |
| Alabama | 2 | 6.750% | $6,220 | — |
| Idaho | 2 | 5.562% | $8,573 | — |
| Kansas | 2 | 6.812% | $9,578 | — |
| Kentucky | 2 | 6.312% | $6,402 | — |
| Massachusetts | 2 | 7.062% | $10,149 | — |
| West Virginia | 2 | 6.250% | $8,579 | — |
| Arkansas | 1 | 6.250% | $5,453 | — |
| Illinois | 1 | 6.500% | $3,562 | — |
| Minnesota | 1 | 6.000% | $23,218 | — |
| Mississippi | 1 | 7.250% | $2,960 | — |
| Nebraska | 1 | 7.625% | $3,027 | — |
| New Jersey | 1 | 7.125% | $5,056 | — |
| Oklahoma | 1 | 7.250% | $3,596 | — |
| Oregon | 1 | 6.500% | $14,180 | — |
| South Carolina | 1 | 6.500% | $7,968 | — |
| Washington | 1 | 5.625% | $34,819 | — |
| Wyoming | 1 | 5.990% | $14,889 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,371 | 6.375% | — | 2 | −$3,214 | |
| 2 | $6,945 | 6.808% | — | 2 | −$2,640 | |
| 3 | $8,568 | 5.875% | — | 2 | −$1,017 | |
| 4 | $9,548 | 6.125% | — | 2 | −$37 | |
| 5 | $9,578 | 6.812% | — | 2 | −$7 | |
| 6 | $9,858 | 6.188% | — | 2 | +$273 | |
| 7 | $9,875 | 6.490% | — | 3 | +$290 | |
| 8 | $10,026 | 6.370% | — | 2 | +$441 | |
| 9 | $10,176 | 6.438% | — | 2 | +$591 | |
| 10 | $11,099 | 5.750% | — | 2 | +$1,514 | |
| 11 | $12,214 | 4.490% | — | 2 | +$2,629 | |
| 12 | $13,483 | 6.188% | — | 2 | +$3,898 | |
| 13 | $14,586 | 5.875% | — | 2 | +$5,001 | |
| 14 | $15,693 | 5.750% | — | 3 | +$6,108 | |
| 15 | $16,263 | 5.990% | — | 3 | +$6,678 | |
| 16 | $17,135 | 5.375% | — | 1 | +$7,550 | |
| 17 | $18,404 | 6.000% | — | 3 | +$8,819 | |
| 18 | $23,912 | 7.125% | — | 3 | +$14,327 | |
| 19 | $23,931 | 5.250% | — | 1 | +$14,346 | |
| 20 | $57,513 | 4.250% | — | 1 | +$47,928 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Village Capital & Investment LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $9,585 | $7,127 | +$2,458 (+34.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.