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Vanderbilt Mortgage and Finance, Inc in South Carolina

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

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

In South Carolina, Vanderbilt Mortgage and Finance, Inc reported 12,412 applications and 2,345 originations for 2024, $522m in all.

Its denial rate in the state was 67.5%, above the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 69.7%.

The median rate spread on its South Carolina originations was 0.6 percentage points (state median 0.3).

Applications in the state were about level with 2023.

12,412applications in SC, 202410.1% of the lender's total
2,345loans originated$522m
67.5%denial rateSC all lenders 25.2%
0.6 ppmedian rate spreadSC 0.3 pp

Compared with the state and the lender's national record

MeasureIn South CarolinaSouth Carolina, all lendersVanderbilt Mortgage and Finance, Inc, all statesUnited States
Denial rate67.5%25.2%69.7%24.3%
Median rate spread, pp0.60.32.50.3
Originations with spread of 1.5 pp or more43.3%15.5%61.0%15.6%
Average originated loan$223k$296k$204k$329k
Home purchase share99.4%62.8%98.8%57.0%
FHA-insured share17.1%16.5%11.3%13.4%
VA-guaranteed share12.9%12.9%5.2%7.9%

Trend by year

ApplicationsOriginations

06211.512,4232022: 12,128 Applications2023: 12,423 Applications2024: 12,412 Applications2022: 2,241 Originations2023: 1,859 Originations2024: 2,345 Originations202220232024
Vanderbilt Mortgage and Finance, Inc in South Carolina: applications and originations, 2022–2024

This lender in stateSouth Carolina, all lenders

0%36.6%73.2%2022: 67.6% This lender in state2023: 73.2% This lender in state2024: 67.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in South Carolina

By purpose

Home purchase 99% (2,330)Refinancing 0% (2)Cash-out refinancing 1% (13)

By type

Conventional 70% (1,631)FHA 17% (402)VA 13% (302)USDA 0% (10)

Denial reasons as coded

Credit history54.5%
Unverifiable information29.1%
Debt-to-income ratio15.4%
Employment history0.9%
Other0.1%
Collateral0%
Insufficient cash (downpayment, closing costs)0%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 5,473 denials in South Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in South Carolina

CountyApplicationsOriginationsAmountDenial rate
Lexington County792319$75m41.1%
Horry County795237$66m50.3%
Spartanburg County970220$54m64.9%
Richland County505216$58m40.4%
Berkeley County763180$55m60.7%
Kershaw County300144$36m34.8%
Greenville County80695$22m77.0%
Dorchester County37393$24m59.8%
Beaufort County67990$19m71.3%
Anderson County38852$11m76.9%
Pickens County32648$8.2m72.8%
Aiken County24047$8.6m69.2%
Charleston County52344$8.9m80.9%
Laurens County41143$4.9m81.8%
Orangeburg County36241$5.1m80.4%
Sumter County35041$4.4m77.8%
Jasper County32239$8.7m72.3%
Cherokee County24338$5.1m69.7%
York County38031$5.0m81.0%
Colleton County31627$3.4m80.7%
Clarendon County14124$2.9m73.3%
Georgetown County17819$3.0m78.6%
Florence County25018$4.7m85.4%
Lancaster County21316$2.6m81.1%
Darlington County12016$1.8m78.6%
Williamsburg County9716$1.7m68.2%
Chesterfield County11115$1.8m74.6%
Greenwood County17914$1.4m85.3%
Calhoun County5914$1.7m57.5%
Marlboro County6513$1.7m68.3%
Hampton County12312$1.3m81.1%
Oconee County9112$1.5m78.2%
Dillon County9611$1.4m81.7%
Newberry County9111$1.6m77.2%
Union County7811$1.3m77.6%
Saluda County6011$1.4m68.2%
Fairfield County7310$1.3m62.5%
Marion County7310$1.1m76.0%
Abbeville County939$1.1m81.3%
Lee County618$890k79.5%

Counties with at least 25 applications, by originations.

Questions and answers

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

2,345 loans totalling $522m, from 12,412 applications reported for properties in South Carolina.

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

67.5% of decided applications in South Carolina were denied, against 25.2% 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 South Carolina counties does Vanderbilt Mortgage and Finance, Inc lend in most?

By originations: Lexington County (319), Horry County (237), Spartanburg County (220), Richland County (216), Berkeley County (180).

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