Lenders › Vanderbilt Mortgage and Finance, Inc › Missouri
Vanderbilt Mortgage and Finance, Inc in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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 Missouri, Vanderbilt Mortgage and Finance, Inc reported 1,763 applications and 294 originations for 2024, $56m in all.
Its denial rate in the state was 67.5%, above the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 69.7%.
The median rate spread on its Missouri originations was 2.6 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Vanderbilt Mortgage and Finance, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 67.5% | 19.9% | 69.7% | 24.3% |
| Median rate spread, pp | 2.6 | 0.4 | 2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 61.1% | 14.1% | 61.0% | 15.6% |
| Average originated loan | $191k | $231k | $204k | $329k |
| Home purchase share | 98.0% | 58.6% | 98.8% | 57.0% |
| FHA-insured share | 3.4% | 12.8% | 11.3% | 13.4% |
| VA-guaranteed share | 4.4% | 8.2% | 5.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 98% (288)Refinancing 0% (1)Cash-out refinancing 2% (5)
By type
Conventional 92% (271)FHA 3% (10)VA 4% (13)
Denial reasons as coded
Share of 724 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jackson County | 108 | 60 | $18m | 13.9% |
| Cass County | 49 | 26 | $8.5m | 23.5% |
| St. Charles County | 109 | 23 | $1.5m | 67.6% |
| Lincoln County | 105 | 16 | $1.6m | 64.9% |
| Clay County | 27 | 15 | $4.6m | — |
| Jasper County | 71 | 12 | $1.6m | 69.8% |
| Laclede County | 82 | 8 | $1.3m | 78.6% |
| Jefferson County | 57 | 8 | $580k | 63.3% |
| McDonald County | 48 | 7 | $1.1m | 71.0% |
| Greene County | 75 | 6 | $730k | 83.7% |
| Pulaski County | 49 | 6 | $800k | 77.8% |
| Newton County | 94 | 5 | $725k | 83.0% |
| Barry County | 50 | 5 | $565k | 78.8% |
| Taney County | 50 | 5 | $475k | 78.1% |
| Webster County | 46 | 5 | $535k | 84.8% |
| Lawrence County | 45 | 5 | $705k | 71.9% |
| Phelps County | 30 | 5 | $395k | — |
| Camden County | 50 | 4 | $540k | — |
| Stone County | 31 | 4 | $540k | — |
| Texas County | 29 | 4 | $590k | — |
| Pemiscot County | 38 | 3 | $405k | — |
| Christian County | 29 | 2 | $240k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Vanderbilt Mortgage and Finance, Inc originate in Missouri in 2024?
294 loans totalling $56m, from 1,763 applications reported for properties in Missouri.
What is Vanderbilt Mortgage and Finance, Inc's denial rate in Missouri?
67.5% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Vanderbilt Mortgage and Finance, Inc lend in most?
By originations: Jackson County (60), Cass County (26), St. Charles County (23), Lincoln County (16), Clay County (15).
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.