Village Capital & Investment in New Jersey vs the state
18.6%Denial rate+0.93 pts vs state
25.2%Decision denial rate+2.12 pts vs state
32.6%Origination rate-23.10 pts vs state
6.25%Median rate-0.50 pts vs state
—Rate spread (pts)
$102kMedian applicant income
259Loans originated
148Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 316 | 64 | 19.3% | 6.32% | #130 |
| 2024 | 889 | 290 | 13.8% | 6.25% | #62 |
| 2025 | 795 | 259 | 18.6% | 6.25% | #78 |
What Village Capital & Investment lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burlington County | 85 | 34 | 13 | 15.3% |
| Ocean County | 78 | 31 | 14 | 17.9% |
| Camden County | 77 | 17 | 21 | 27.3% |
| Middlesex County | 62 | 22 | 5 | 8.1% |
| Gloucester County | 60 | 23 | 12 | 20.0% |
| Bergen County | 51 | 21 | 7 | 13.7% |
| Monmouth County | 50 | 18 | 10 | 20.0% |
| Essex County | 49 | 11 | 10 | 20.4% |
| Union County | 40 | 13 | 9 | 22.5% |
| Passaic County | 32 | 7 | 3 | 9.4% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 795 applications in 2025, of which 259 were originated and 148 denied.
18.6% of all applications, or 25.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Village Capital & Investment originated in New Jersey in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Village Capital & Investment's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology