Lenders › Vanderbilt Mortgage and Finance, Inc › Ohio
Vanderbilt Mortgage and Finance, Inc in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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.
Vanderbilt Mortgage and Finance, Inc's 2024 HMDA record for Ohio covers 2,911 applications, 534 of them originated, worth $94m.
Its denial rate in the state was 58.6%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 69.7%.
The median rate spread on its Ohio originations was 2.6 percentage points (state median 0.5).
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Vanderbilt Mortgage and Finance, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 58.6% | 23.5% | 69.7% | 24.3% |
| Median rate spread, pp | 2.6 | 0.5 | 2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 64.9% | 17.7% | 61.0% | 15.6% |
| Average originated loan | $176k | $218k | $204k | $329k |
| Home purchase share | 99.8% | 51.7% | 98.8% | 57.0% |
| FHA-insured share | 10.3% | 12.3% | 11.3% | 13.4% |
| VA-guaranteed share | 6.7% | 5.9% | 5.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 100% (533)Refinancing 0% (1)
By type
Conventional 83% (442)FHA 10% (55)VA 7% (36)USDA 0% (1)
Denial reasons as coded
Share of 808 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 93 | 56 | $16m | 6.6% |
| Madison County | 75 | 37 | $8.7m | 20.8% |
| Lawrence County | 197 | 35 | $4.3m | 55.6% |
| Pickaway County | 75 | 32 | $8.1m | 26.7% |
| Scioto County | 149 | 28 | $3.3m | 54.3% |
| Muskingum County | 148 | 21 | $2.0m | 65.7% |
| Pike County | 81 | 17 | $2.5m | 52.8% |
| Ross County | 108 | 16 | $2.2m | 62.2% |
| Jackson County | 71 | 16 | $2.0m | 52.4% |
| Logan County | 65 | 13 | $3.4m | 42.3% |
| Gallia County | 71 | 12 | $1.5m | 72.1% |
| Licking County | 65 | 11 | $965k | 60.6% |
| Perry County | 61 | 11 | $1.4m | 52.0% |
| Meigs County | 50 | 11 | $1.7m | — |
| Washington County | 69 | 10 | $1.6m | 64.3% |
| Clermont County | 83 | 9 | $1.9m | 71.8% |
| Hamilton County | 80 | 8 | $1.6m | 69.7% |
| Wood County | 42 | 8 | $590k | — |
| Fairfield County | 30 | 8 | $1.8m | — |
| Hancock County | 40 | 7 | $385k | — |
| Athens County | 33 | 7 | $1.0m | — |
| Vinton County | 27 | 7 | $635k | — |
| Brown County | 50 | 6 | $730k | — |
| Portage County | 27 | 6 | $500k | — |
| Coshocton County | 34 | 5 | $455k | — |
| Highland County | 28 | 5 | $755k | — |
| Huron County | 26 | 5 | $375k | — |
| Franklin County | 73 | 4 | $740k | 88.9% |
| Morrow County | 48 | 4 | $2.3m | — |
| Guernsey County | 29 | 4 | $370k | — |
| Marion County | 43 | 3 | $445k | — |
| Lake County | 34 | 3 | $155k | — |
| Adams County | 33 | 3 | $235k | — |
| Butler County | 29 | 3 | $135k | — |
| Clark County | 27 | 3 | $445k | — |
| Delaware County | 43 | 1 | $115k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Vanderbilt Mortgage and Finance, Inc originate in Ohio in 2024?
534 loans totalling $94m, from 2,911 applications reported for properties in Ohio.
What is Vanderbilt Mortgage and Finance, Inc's denial rate in Ohio?
58.6% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Vanderbilt Mortgage and Finance, Inc lend in most?
By originations: Montgomery County (56), Madison County (37), Lawrence County (35), Pickaway County (32), Scioto County (28).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.