The Mortgage Record
Lender report card · New Jersey

Village Capital & Investment

Henderson, NV · What the federal mortgage record shows about how Village Capital & Investment treated New Jersey applicants, 2018–2025 — 2,764 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
80.2%
2,217 approved
Denial rate
19.8%
547 denied
Decisions
2,764
2018–2025
Avg. rate spread
+0.29 pp
vs. market benchmark
80.2% approved
19.8% denied

Share of 2,764 New Jersey applications Village Capital & Investment approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

FHA77.7% of 1,855 · NJ 79%VA86.5% of 893 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

61%69%77%85%93%64%76%86%91%70%70%81%75%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Village Capital & Investment’s rates ran -0.31 pp lower than the typical New Jersey lender (average rate spread +0.29 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Village Capital & Investment approves

By income
Under $50k62.9% · 256$50–75k52.6% · 152$75–100k47.5% · 181$100–150k62.2% · 262$150–250k74.1% · 147
By debt-to-income
Under 36%51.4% · 14836–43%63.1% · 13043–50%71.3% · 202Over 50%47.5% · 356
By down payment (LTV)
20%+ down60.0% · 60510–20% down78.0% · 3285–10% down85.8% · 2403–5% down89.1% · 349Under 3% down78.5% · 441

Why Village Capital & Investment denied applications

Credit history59% of denialsOther25% of denialsDebt-to-income ratio24% of denialsCollateral (value/type)6% of denialsEmployment history3% of denialsInsufficient cash to close2% of denials

Where Village Capital & Investment lends in NJ

CountyDecisionsApproval
Burlington County31483.1%
Camden County28072.5%
Ocean County27384.6%
Essex County23979.9%
Middlesex County22483.9%
Gloucester County18883.0%
Union County18680.1%
Monmouth County14386.7%

Fees & closing costs

Median total loan costs
$22,383
home purchase
As % of loan
4.35%
NJ median 1.93%
Priced originations
84
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Village Capital & Investment’s home-purchase originations — 2.42 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $8,172. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Consumer complaints

CFPB complaints
33
from NJ, 2022–present
Answered on time
100%
of complaints
Closed with relief
0%
monetary or non-monetary

Complaints New Jersey mortgage customers filed against Village Capital & Investment with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.

Compare Village Capital & Investment to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Village Capital & Investment (LEI 549300VCMRO4ST680C11). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →