Village Capital & Investment in Minnesota vs the state
26.8%Denial rate+13.20 pts vs state
36.2%Decision denial rate+19.87 pts vs state
28.0%Origination rate-38.37 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$95kMedian applicant income
70Loans originated
67Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 24 | 22.2% | 6.07% | #141 |
| 2024 | 264 | 80 | 15.9% | 5.75% | #106 |
| 2025 | 250 | 70 | 26.8% | 5.75% | #125 |
What Village Capital & Investment lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 28 | 3 | 8 | 28.6% |
| Washington County | 19 | 6 | 3 | 15.8% |
| Anoka County | 17 | 6 | 3 | 17.6% |
| Dakota County | 16 | 4 | 3 | 18.8% |
| Ramsey County | 15 | 1 | 9 | 60.0% |
| Wright County | 14 | 4 | 6 | 42.9% |
| Stearns County | 11 | 3 | 2 | 18.2% |
| Sherburne County | 10 | 4 | 3 | 30.0% |
| St. Louis County | 9 | 2 | 3 | 33.3% |
| Itasca County | 7 | 2 | 1 | 14.3% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 250 applications in 2025, of which 70 were originated and 67 denied.
26.8% of all applications, or 36.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Village Capital & Investment originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology