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Vanderbilt Mortgage and Finance, Inc in Kentucky

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

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

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 Kentucky, Vanderbilt Mortgage and Finance, Inc reported 8,151 applications and 1,137 originations for 2024, $186m in all.

Its denial rate in the state was 73.2%, above the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 69.7%.

The median rate spread on its Kentucky originations was 3.2 percentage points (state median 0.4).

Applications in the state were about level with 2023.

8,151applications in KY, 20246.6% of the lender's total
1,137loans originated$186m
73.2%denial rateKY all lenders 25.0%
3.2 ppmedian rate spreadKY 0.4 pp

Compared with the state and the lender's national record

MeasureIn KentuckyKentucky, all lendersVanderbilt Mortgage and Finance, Inc, all statesUnited States
Denial rate73.2%25.0%69.7%24.3%
Median rate spread, pp3.20.42.50.3
Originations with spread of 1.5 pp or more82.6%16.0%61.0%15.6%
Average originated loan$163k$219k$204k$329k
Home purchase share99.7%55.3%98.8%57.0%
FHA-insured share3.6%14.6%11.3%13.4%
VA-guaranteed share1.0%8.0%5.2%7.9%

Trend by year

ApplicationsOriginations

04075.58,1512022: 6,768 Applications2023: 7,835 Applications2024: 8,151 Applications2022: 840 Originations2023: 972 Originations2024: 1,137 Originations202220232024
Vanderbilt Mortgage and Finance, Inc in Kentucky: applications and originations, 2022–2024

This lender in stateKentucky, all lenders

0%38.0%75.9%2022: 74.6% This lender in state2023: 75.9% This lender in state2024: 73.2% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Kentucky

By purpose

Home purchase 100% (1,134)Cash-out refinancing 0% (3)

By type

Conventional 95% (1,085)FHA 4% (41)VA 1% (11)

Denial reasons as coded

Credit history52%
Unverifiable information33.5%
Debt-to-income ratio13.6%
Employment history0.8%
Credit application incomplete0.1%
Collateral0%
Insufficient cash (downpayment, closing costs)0%
Mortgage insurance denied0%
Other0%

Share of 3,703 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).

Counties in Kentucky

CountyApplicationsOriginationsAmountDenial rate
Jefferson County29496$36m51.9%
Laurel County44149$5.6m78.7%
Knox County30945$4.7m74.1%
Floyd County21337$4.6m63.4%
Whitley County30931$3.6m79.8%
Madison County22530$3.7m73.8%
Shelby County9130$8.1m52.3%
Pike County28129$3.5m78.2%
Carter County11725$3.3m61.6%
Pulaski County20023$2.9m78.7%
Grant County11319$2.4m67.2%
Clay County13418$2.0m73.4%
Lincoln County10818$2.4m65.2%
Warren County8818$4.2m61.2%
Lawrence County10417$2.0m74.3%
Magoffin County7317$1.7m68.5%
Hardin County21315$2.6m87.1%
Breckinridge County7115$2.6m63.8%
Harlan County14314$1.7m83.5%
Powell County9314$1.7m66.7%
Marshall County9014$2.0m73.8%
McCracken County20013$1.7m87.0%
Barren County11513$2.1m71.9%
Montgomery County10813$1.5m75.4%
Adair County5313$2.0m64.9%
Oldham County3213$4.4m—
Bell County18112$1.5m82.8%
Rockcastle County9012$1.5m75.0%
Harrison County6612$2.0m59.1%
Hart County4812$1.5m58.8%
Bullitt County12611$1.8m76.2%
Boone County11611$1.9m83.6%
Clark County7711$1.0m72.5%
Russell County7711$1.2m73.9%
Hopkins County4411$8.2m60.6%
Anderson County3511$1.3m—
Perry County10810$1.2m79.1%
Letcher County9110$1.1m71.9%
Leslie County5310$1.1m66.7%
Boyd County819$1.0m71.7%

Counties with at least 25 applications, by originations.

Questions and answers

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

1,137 loans totalling $186m, from 8,151 applications reported for properties in Kentucky.

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

73.2% of decided applications in Kentucky were denied, against 25.0% 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 Kentucky counties does Vanderbilt Mortgage and Finance, Inc lend in most?

By originations: Jefferson County (96), Laurel County (49), Knox County (45), Floyd County (37), Whitley County (31).

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