Village Capital & Investment in California vs the state
17.2%Denial rate-0.19 pts vs state
23.6%Decision denial rate+1.22 pts vs state
28.5%Origination rate-27.67 pts vs state
5.99%Median rate-0.63 pts vs state
—Rate spread (pts)
$107kMedian applicant income
770Loans originated
465Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,034 | 252 | 16.5% | 6.25% | #130 |
| 2024 | 2,520 | 685 | 13.4% | 5.88% | #71 |
| 2025 | 2,699 | 770 | 17.2% | 5.99% | #73 |
What Village Capital & Investment lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 666 | 172 | 80 | 12.0% |
| Riverside County | 480 | 159 | 73 | 15.2% |
| San Bernardino County | 386 | 104 | 63 | 16.3% |
| San Diego County | 234 | 69 | 38 | 16.2% |
| Kern County | 129 | 44 | 27 | 20.9% |
| Sacramento County | 104 | 34 | 23 | 22.1% |
| Fresno County | 67 | 14 | 20 | 29.9% |
| Tulare County | 49 | 12 | 11 | 22.4% |
| Orange County | 49 | 11 | 8 | 16.3% |
| San Joaquin County | 48 | 14 | 10 | 20.8% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,699 applications in 2025, of which 770 were originated and 465 denied.
17.2% of all applications, or 23.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Village Capital & Investment originated in California in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology