Lenders › Vanderbilt Mortgage and Finance, Inc › Oklahoma
Vanderbilt Mortgage and Finance, Inc in Oklahoma
HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma 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 Oklahoma, Vanderbilt Mortgage and Finance, Inc reported 2,800 applications and 301 originations for 2024, $36m in all.
Its denial rate in the state was 79.0%, above the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 69.7%.
The median rate spread on its Oklahoma originations was 3.5 percentage points (state median 0.5).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | Vanderbilt Mortgage and Finance, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 79.0% | 23.4% | 69.7% | 24.3% |
| Median rate spread, pp | 3.5 | 0.5 | 2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 97.7% | 17.5% | 61.0% | 15.6% |
| Average originated loan | $121k | $223k | $204k | $329k |
| Home purchase share | 100.0% | 63.6% | 98.8% | 57.0% |
| FHA-insured share | 0.0% | 17.1% | 11.3% | 13.4% |
| VA-guaranteed share | 0.0% | 11.9% | 5.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 100% (301)
By type
Conventional 100% (301)
Denial reasons as coded
Share of 1,320 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oklahoma
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Creek County | 144 | 23 | $2.6m | 76.0% |
| Pottawatomie County | 103 | 14 | $1.8m | 74.2% |
| Canadian County | 74 | 13 | $1.5m | 65.3% |
| Delaware County | 111 | 12 | $1.4m | 77.6% |
| Muskogee County | 107 | 12 | $1.7m | 77.6% |
| Wagoner County | 95 | 12 | $1.2m | 75.9% |
| Rogers County | 148 | 11 | $1.3m | 84.5% |
| Osage County | 87 | 10 | $1.0m | 80.8% |
| Cherokee County | 72 | 10 | $1.2m | 72.5% |
| Cleveland County | 105 | 9 | $1.1m | 84.2% |
| Lincoln County | 72 | 9 | $1.1m | 78.3% |
| Grady County | 67 | 9 | $1.1m | 73.0% |
| Oklahoma County | 150 | 8 | $890k | 88.2% |
| Okmulgee County | 104 | 8 | $800k | 78.4% |
| Garfield County | 26 | 8 | $640k | — |
| Mayes County | 90 | 7 | $895k | 83.3% |
| McIntosh County | 47 | 7 | $685k | 70.4% |
| Washington County | 47 | 7 | $795k | 75.9% |
| McCurtain County | 40 | 7 | $615k | — |
| Tulsa County | 258 | 6 | $730k | 94.5% |
| Pawnee County | 44 | 6 | $760k | 78.6% |
| Bryan County | 38 | 6 | $1.1m | 75.0% |
| Seminole County | 27 | 6 | $760k | — |
| McClain County | 79 | 5 | $495k | 88.1% |
| Le Flore County | 49 | 5 | $695k | 81.8% |
| Adair County | 43 | 5 | $635k | — |
| Sequoyah County | 45 | 4 | $540k | — |
| Ottawa County | 38 | 4 | $500k | — |
| Caddo County | 33 | 4 | $540k | — |
| Logan County | 65 | 3 | $435k | 84.2% |
| Payne County | 36 | 3 | $485k | — |
| Pittsburg County | 38 | 2 | $120k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Vanderbilt Mortgage and Finance, Inc originate in Oklahoma in 2024?
301 loans totalling $36m, from 2,800 applications reported for properties in Oklahoma.
What is Vanderbilt Mortgage and Finance, Inc's denial rate in Oklahoma?
79.0% of decided applications in Oklahoma were denied, against 23.4% 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 Oklahoma counties does Vanderbilt Mortgage and Finance, Inc lend in most?
By originations: Creek County (23), Pottawatomie County (14), Canadian County (13), Delaware County (12), Muskogee County (12).
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 Oklahoma. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.