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Vanderbilt Mortgage and Finance, Inc in North Carolina

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

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

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.

Vanderbilt Mortgage and Finance, Inc's 2024 HMDA record for North Carolina covers 14,819 applications, 2,006 of them originated, worth $451m.

Its denial rate in the state was 73.5%, above the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 69.7%.

The median rate spread on its North Carolina originations was 2.1 percentage points (state median 0.2).

Applications in the state were down 8% on 2023.

14,819applications in NC, 202412.1% of the lender's total
2,006loans originated$451m
73.5%denial rateNC all lenders 24.0%
2.1 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersVanderbilt Mortgage and Finance, Inc, all statesUnited States
Denial rate73.5%24.0%69.7%24.3%
Median rate spread, pp2.10.22.50.3
Originations with spread of 1.5 pp or more57.8%11.8%61.0%15.6%
Average originated loan$225k$299k$204k$329k
Home purchase share99.1%56.3%98.8%57.0%
FHA-insured share7.6%11.8%11.3%13.4%
VA-guaranteed share4.1%11.8%5.2%7.9%

Trend by year

ApplicationsOriginations

08083.516,1672022: 15,930 Applications2023: 16,167 Applications2024: 14,819 Applications2022: 1,989 Originations2023: 1,902 Originations2024: 2,006 Originations202220232024
Vanderbilt Mortgage and Finance, Inc in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%38.1%76.2%2022: 74.1% This lender in state2023: 76.2% This lender in state2024: 73.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 99% (1,988)Refinancing 0% (2)Cash-out refinancing 1% (16)

By type

Conventional 88% (1,758)FHA 8% (152)VA 4% (83)USDA 1% (13)

Denial reasons as coded

Credit history50.7%
Unverifiable information33.7%
Debt-to-income ratio15.1%
Employment history0.3%
Credit application incomplete0.1%
Collateral0%
Insufficient cash (downpayment, closing costs)0%
Mortgage insurance denied0%
Other0%

Share of 6,451 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Johnston County405225$71m26.4%
Wake County444180$70m40.1%
Forsyth County365125$40m46.6%
Robeson County55955$7.0m81.0%
New Hanover County19852$20m56.1%
Buncombe County40649$6.3m72.8%
Guilford County39349$15m79.4%
Brunswick County35043$10m74.7%
Alamance County30843$12m71.3%
Franklin County18043$14m57.1%
Cleveland County47841$6.4m79.8%
Pitt County52337$9.3m82.7%
Randolph County32337$4.4m74.2%
Henderson County28035$4.4m72.4%
Rutherford County25533$4.7m70.3%
Sampson County24732$3.8m77.5%
Cumberland County39831$3.3m84.9%
Harnett County25930$4.3m76.2%
Pender County22429$5.5m76.9%
Wayne County20728$2.9m75.8%
Gaston County34426$6.2m82.2%
Carteret County8325$4.8m43.4%
Davidson County40124$3.4m86.4%
Nash County28724$3.2m83.1%
Martin County11124$3.5m51.8%
Durham County7724$8.7m44.2%
Iredell County20123$4.1m76.5%
Mecklenburg County13922$6.5m70.9%
Davie County12322$5.2m68.9%
Stanly County14721$3.2m61.7%
Cherokee County4421$3.8m24.1%
Surry County16519$3.1m77.7%
Rockingham County39118$2.5m86.6%
Onslow County14918$4.1m77.2%
Columbus County22617$2.1m85.1%
Haywood County15917$2.3m78.5%
Edgecombe County15517$4.8m81.0%
Cabarrus County15517$3.9m69.1%
Lenoir County8817$2.2m71.7%
Jackson County7517$2.1m61.5%

Counties with at least 25 applications, by originations.

Questions and answers

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

2,006 loans totalling $451m, from 14,819 applications reported for properties in North Carolina.

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

73.5% of decided applications in North Carolina were denied, against 24.0% 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 North Carolina counties does Vanderbilt Mortgage and Finance, Inc lend in most?

By originations: Johnston County (225), Wake County (180), Forsyth County (125), Robeson County (55), New Hanover County (52).

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