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Vanderbilt Mortgage and Finance, Inc in Georgia

HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview

LEI 5493000YNV8IX4VD3X12
Reporting agency Department of Housing and Urban Development
State Georgia

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 Georgia, Vanderbilt Mortgage and Finance, Inc reported 7,104 applications and 2,274 originations for 2024, $728m in all.

Its denial rate in the state was 47.1%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 69.7%.

The median rate spread on its Georgia originations was 0.3 percentage points (state median 0.4).

Applications in the state were about level with 2023.

7,104applications in GA, 20245.8% of the lender's total
2,274loans originated$728m
47.1%denial rateGA all lenders 26.9%
0.3 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersVanderbilt Mortgage and Finance, Inc, all statesUnited States
Denial rate47.1%26.9%69.7%24.3%
Median rate spread, pp0.30.42.50.3
Originations with spread of 1.5 pp or more19.5%17.5%61.0%15.6%
Average originated loan$320k$313k$204k$329k
Home purchase share94.2%57.0%98.8%57.0%
FHA-insured share23.4%18.3%11.3%13.4%
VA-guaranteed share12.3%11.6%5.2%7.9%

Trend by year

ApplicationsOriginations

03,6687,3362022: 7,336 Applications2023: 7,127 Applications2024: 7,104 Applications2022: 2,814 Originations2023: 2,290 Originations2024: 2,274 Originations202220232024
Vanderbilt Mortgage and Finance, Inc in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%23.6%47.1%2022: 39.2% This lender in state2023: 46.2% This lender in state2024: 47.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 94% (2,143)Refinancing 0% (7)Cash-out refinancing 5% (124)

By type

Conventional 64% (1,451)FHA 23% (532)VA 12% (279)USDA 1% (12)

Denial reasons as coded

Credit history46.4%
Unverifiable information32.4%
Debt-to-income ratio19.4%
Employment history0.5%
Collateral0.5%
Other0.5%
Insufficient cash (downpayment, closing costs)0.2%
Credit application incomplete0.2%
Mortgage insurance denied0%

Share of 2,149 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Gwinnett County282214$91m9.3%
Cobb County268172$65m12.6%
Fulton County218133$58m16.1%
Hall County168125$49m14.8%
Liberty County21995$26m36.4%
Paulding County16694$29m22.6%
Cherokee County13590$35m9.8%
Jackson County13382$35m18.4%
Barrow County10567$23m27.2%
DeKalb County11266$23m17.3%
Long County9656$15m22.7%
Muscogee County7349$14m14.0%
Chatham County11247$14m32.0%
Walton County5937$15m14.0%
Bartow County11536$9.4m40.6%
Columbia County8636$12m33.9%
Union County7435$10m15.9%
Effingham County9434$9.3m42.9%
Gilmer County10033$11m28.8%
Carroll County18831$6.0m63.6%
Polk County12731$6.6m54.9%
Fannin County5628$10m14.7%
Henry County6727$8.3m44.0%
Walker County20724$3.5m69.7%
Richmond County17524$4.3m75.0%
Pickens County7524$6.8m46.9%
Wayne County7223$4.3m50.0%
Bryan County5423$8.2m37.8%
Forsyth County4322$10m17.9%
Harris County5219$5.4m44.1%
Murray County12618$2.2m65.1%
Douglas County5318$5.6m45.5%
Floyd County17817$4.3m72.6%
Gordon County9917$3.5m62.5%
Haralson County9317$3.4m67.3%
Houston County3917$4.2m37.0%
Bulloch County8514$2.2m62.8%
Clayton County3514$3.0m—
Coweta County4912$3.7m53.6%
Hart County3312$2.3m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Vanderbilt Mortgage and Finance, Inc originate in Georgia in 2024?

2,274 loans totalling $728m, from 7,104 applications reported for properties in Georgia.

What is Vanderbilt Mortgage and Finance, Inc's denial rate in Georgia?

47.1% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does Vanderbilt Mortgage and Finance, Inc lend in most?

By originations: Gwinnett County (214), Cobb County (172), Fulton County (133), Hall County (125), Liberty County (95).

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 Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.