Village Capital & Investment in Georgia vs the state
21.3%Denial rate+2.03 pts vs state
27.9%Decision denial rate+2.87 pts vs state
31.3%Origination rate-22.84 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$84kMedian applicant income
706Loans originated
480Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,219 | 267 | 17.9% | 6.25% | #70 |
| 2024 | 2,383 | 797 | 15.9% | 5.75% | #42 |
| 2025 | 2,259 | 706 | 21.3% | 5.75% | #47 |
What Village Capital & Investment lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 145 | 47 | 30 | 20.7% |
| Henry County | 139 | 48 | 27 | 19.4% |
| DeKalb County | 131 | 45 | 36 | 27.5% |
| Fulton County | 128 | 26 | 40 | 31.3% |
| Clayton County | 98 | 24 | 23 | 23.5% |
| Columbia County | 78 | 24 | 13 | 16.7% |
| Chatham County | 75 | 21 | 20 | 26.7% |
| Houston County | 68 | 23 | 16 | 23.5% |
| Cobb County | 67 | 20 | 14 | 20.9% |
| Richmond County | 62 | 17 | 14 | 22.6% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 2,259 applications in 2025, of which 706 were originated and 480 denied.
21.3% of all applications, or 27.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Village Capital & Investment originated in Georgia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology