VILLAGE CAPITAL & INVESTMENT LLC
10,858 mortgages originated in 2025 across 37 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 10,858
- Median rate
- 5.750%
- Median lender fees
- $6,186
- Median loan amount
- $345,000
- Median spread over APOR
- —
- Paid discount points
- 61%
- Received lender credits
- 91.4%
- Purchases / refinances
- 1.3% / 98.7%
- Conventional / FHA / VA
- 0.2% / 30% / 69.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 99.9% of loans here — see methodology.
Where VILLAGE CAPITAL & INVESTMENT LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 1,052 | $6,091 | 5.750% |
| Florida | 935 | $6,516 | 5.750% |
| California | 770 | $9,161 | 5.990% |
| Georgia | 706 | $6,192 | 5.750% |
| North Carolina | 705 | $5,768 | 5.750% |
| Virginia | 580 | $6,156 | 5.750% |
| Missouri | 413 | $4,952 | 5.990% |
| South Carolina | 382 | $5,924 | 5.750% |
| Ohio | 351 | $5,283 | 5.750% |
| Tennessee | 349 | $5,880 | 5.750% |
| Arizona | 302 | $5,765 | 5.750% |
| Maryland | 295 | $7,361 | 5.750% |
| New Jersey | 259 | $9,321 | 6.250% |
| Alabama | 251 | $4,839 | 5.750% |
| Michigan | 244 | $5,091 | 5.750% |
| Pennsylvania | 241 | $6,252 | 5.750% |
| Illinois | 237 | $5,137 | 6.000% |
| Washington | 211 | $7,353 | 5.750% |
| Colorado | 201 | $6,919 | 5.750% |
| Indiana | 200 | $5,561 | 5.750% |
| Oklahoma | 179 | $5,580 | 5.750% |
| Louisiana | 158 | $5,501 | 5.875% |
| Utah | 153 | $8,167 | 5.750% |
| Nevada | 147 | $6,740 | 5.750% |
| Arkansas | 141 | $4,995 | 5.750% |
| Kentucky | 126 | $5,145 | 5.750% |
| Oregon | 125 | $7,018 | 5.750% |
| Mississippi | 108 | $5,010 | 5.750% |
| Wisconsin | 107 | $4,898 | 5.750% |
| New Mexico | 104 | $6,280 | 5.750% |
| Massachusetts | 90 | $8,080 | 5.750% |
| Kansas | 84 | $4,048 | 5.750% |
| West Virginia | 75 | $5,278 | 5.750% |
| Minnesota | 70 | $5,278 | 5.750% |
| Idaho | 60 | $7,228 | 5.750% |
| Connecticut | 59 | $7,677 | 5.750% |
| Iowa | 58 | $4,150 | 5.750% |