Lenders › Vanderbilt Mortgage and Finance, Inc › Florida
Vanderbilt Mortgage and Finance, Inc in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Vanderbilt Mortgage and Finance, Inc reported 4,791 applications and 1,023 originations for 2024, $263m in all.
Its denial rate in the state was 60.9%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 69.7%.
The median rate spread on its Florida originations was -0.2 percentage points (state median 0.3).
Applications in the state were down 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Vanderbilt Mortgage and Finance, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 60.9% | 29.0% | 69.7% | 24.3% |
| Median rate spread, pp | -0.2 | 0.3 | 2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 36.0% | 16.4% | 61.0% | 15.6% |
| Average originated loan | $257k | $359k | $204k | $329k |
| Home purchase share | 99.4% | 62.9% | 98.8% | 57.0% |
| FHA-insured share | 35.2% | 17.7% | 11.3% | 13.4% |
| VA-guaranteed share | 8.0% | 9.5% | 5.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 99% (1,017)Refinancing 0% (1)Cash-out refinancing 0% (5)
By type
Conventional 57% (579)FHA 35% (360)VA 8% (82)USDA 0% (2)
Denial reasons as coded
Share of 1,730 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Polk County | 496 | 292 | $88m | 21.3% |
| Osceola County | 192 | 109 | $38m | 18.0% |
| Hillsborough County | 226 | 96 | $31m | 42.3% |
| Manatee County | 97 | 54 | $19m | 19.1% |
| Marion County | 301 | 50 | $12m | 66.3% |
| Pasco County | 97 | 42 | $14m | 28.6% |
| Santa Rosa County | 276 | 39 | $5.8m | 68.5% |
| Bay County | 250 | 32 | $6.0m | 72.1% |
| Walton County | 140 | 27 | $3.8m | 63.2% |
| Levy County | 134 | 21 | $3.0m | 71.3% |
| Leon County | 194 | 20 | $2.5m | 76.9% |
| Okaloosa County | 130 | 20 | $2.3m | 67.1% |
| Pinellas County | 153 | 19 | $1.5m | 81.2% |
| Putnam County | 187 | 15 | $2.2m | 78.7% |
| Gadsden County | 122 | 14 | $2.1m | 76.1% |
| Orange County | 109 | 14 | $3.0m | 77.0% |
| Lake County | 126 | 12 | $3.7m | 77.6% |
| Duval County | 115 | 8 | $1.7m | 87.0% |
| Jackson County | 79 | 8 | $1.4m | 74.4% |
| Suwannee County | 49 | 8 | $1.3m | 64.0% |
| Alachua County | 47 | 8 | $1.3m | 65.5% |
| Escambia County | 66 | 7 | $845k | 84.1% |
| Gilchrist County | 46 | 7 | $915k | 62.1% |
| Citrus County | 71 | 6 | $1.1m | 74.3% |
| Seminole County | 32 | 6 | $2.0m | — |
| Gulf County | 27 | 6 | $670k | — |
| Franklin County | 25 | 6 | $840k | — |
| Volusia County | 86 | 5 | $955k | 82.1% |
| Dixie County | 47 | 5 | $825k | — |
| Hernando County | 41 | 4 | $830k | — |
| Washington County | 34 | 4 | $610k | — |
| Broward County | 56 | 3 | $635k | 92.5% |
| Palm Beach County | 56 | 3 | $585k | 89.7% |
| St. Johns County | 53 | 3 | $585k | 85.2% |
| Wakulla County | 47 | 3 | $455k | — |
| Sumter County | 31 | 3 | $335k | — |
| Clay County | 55 | 2 | $260k | 93.9% |
| Columbia County | 41 | 2 | $240k | — |
| Brevard County | 37 | 2 | $330k | — |
| Lee County | 34 | 2 | $110k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Vanderbilt Mortgage and Finance, Inc originate in Florida in 2024?
1,023 loans totalling $263m, from 4,791 applications reported for properties in Florida.
What is Vanderbilt Mortgage and Finance, Inc's denial rate in Florida?
60.9% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 69.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Vanderbilt Mortgage and Finance, Inc lend in most?
By originations: Polk County (292), Osceola County (109), Hillsborough County (96), Manatee County (54), Marion County (50).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.