Median rate spread
Not availableAPR relative to the prime offer benchmarkMiddle 50%: Not available to Not available pp
VILLAGE CAPITAL & INVESTMENT LLC
Vermont, Delaware, Rhode Island, Wyoming coverage. Historical results, not current mortgage offers.
Coverage: Vermont, Delaware, Rhode Island, Wyoming. These are actual public HMDA records. Results apply to the geography stated here, not the whole country.
Key facts
In 2025, VILLAGE CAPITAL & INVESTMENT LLC reported 90 eligible mortgage originations in Vermont, Delaware, Rhode Island, Wyoming. There are not enough reported rate spreads to publish pricing statistics. The denial rate was 38.4% of originated and denied applications.
Source: FFIEC HMDA 2025 snapshot, selected states. Retrieved 2026-09-11, September 11, 2026. Methodology · Sources.
Explore Vermont, Delaware, Rhode Island, Wyoming mortgages
Public HMDA records2025 · All loan types · All purposes
Median interest rate
Not availableThe interest rate before feesAnnual figure · 2025 loans only
Application denial rate
38.4%Denied ÷ originated and denied applications146 eligible applications
Originated mortgages
90Owner-occupied, first-lien mortgages100.0% missing rate spread
What borrowers paid
There are fewer than 30 loans with reported pricing. The distribution is not published.
Rate spread in percentage points. Bars show the number of originated loans.
| Spread interval (pp) | Loans |
|---|---|
| Below -1.0 | 0 |
| -1.0 to -0.8 | 0 |
| -0.8 to -0.6 | 0 |
| -0.6 to -0.4 | 0 |
| -0.4 to -0.2 | 0 |
| -0.2 to 0.0 | 0 |
| 0.0 to 0.2 | 0 |
| 0.2 to 0.4 | 0 |
| 0.4 to 0.6 | 0 |
| 0.6 to 0.8 | 0 |
| 0.8 to 1.0 | 0 |
| 1.0 to 1.2 | 0 |
| 1.2 to 1.4 | 0 |
| 1.4 to 1.6 | 0 |
| 1.6 to 1.8 | 0 |
| 1.8 to 2.0 | 0 |
| 2.0 to 2.2 | 0 |
| 2.2 to 2.4 | 0 |
| 2.4 to 2.6 | 0 |
| 2.6 to 2.8 | 0 |
| 2.8 to 3.0 | 0 |
| +3.0 and above | 0 |
Points, credits and closing costs
- Share paying discount points
- 100.0%
- Median points among payers
- 0.8% of loan amount
- Share receiving lender credits
- 100.0%
- Median total loan costs
- $6,395
- Median costs as share of loan
- 1.7%
- Median loan amount
- $365,000
- Median property value
- Not available
Metrics use reported values only. Missing or exempt values are excluded; fields with fewer than 30 observations are not published.
Application denials
56 denied applications out of 146 originated and denied applications in 2025.
- Credit history: 85.7% of denied applications
An application can have multiple denial reasons. Each reason is counted once per application, so shares may add to more than 100%.
Compared with national pricing
A matching national dataset has not been loaded. No national comparison is shown.
By loan type
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| FHA | 24 | Not available | Not available | 51.0% |
| VA | 66 | Not available | Not available | 31.3% |
By loan purpose
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| Cash-out refinance | 6 | Not available | Not available | 87.5% |
| Refinance | 83 | Not available | Not available | 11.7% |
By loan size
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| $400,000 to $599,999 | 31 | Not available | Not available | 27.9% |
| $200,000 to $399,999 | 54 | Not available | Not available | 40.7% |
Conforming and jumbo
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| Conforming | 89 | Not available | Not available | 38.6% |
By state
| State | Median spread | Denial rate | Loans | |
|---|---|---|---|---|
| Delaware | Not available | 38.9% | 44 | ↗ |
| Rhode Island | Not available | 33.3% | 22 | ↗ |
Year-over-year view
| Data year | Originations | Median spread | Denial rate |
|---|---|---|---|
| 2024 | 89 | -0.61 pp | 29.4% |
| 2025 | 90 | Not available | 38.4% |
All years cover Vermont, Delaware, Rhode Island, Wyoming. Changes in loan and borrower mix affect comparisons.
Combined loan-to-value
Not enough data is available to publish every bucket safely.
Debt-to-income ratio
Not enough data is available to publish every bucket safely.
Frequently asked questions
Are these current mortgage offers?
No. These records describe mortgages reported for 2025. Ask lenders for current Loan Estimates.
Does this include a credit score?
No. Public HMDA data does not include the borrower’s credit score.
Can I use this to choose a lender?
Use the distribution as context. Compare loan terms, fees and your own offers. Borrower mix, timing and products affect every lender comparison.