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Vanderbilt Mortgage and Finance, Inc in Tennessee

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

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

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 Tennessee, Vanderbilt Mortgage and Finance, Inc reported 9,837 applications and 1,721 originations for 2024, $385m in all.

Its denial rate in the state was 64.4%, above the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 69.7%.

The median rate spread on its Tennessee originations was 2.2 percentage points (state median 0.3).

Applications in the state were about level with 2023.

9,837applications in TN, 20248.0% of the lender's total
1,721loans originated$385m
64.4%denial rateTN all lenders 22.6%
2.2 ppmedian rate spreadTN 0.3 pp

Compared with the state and the lender's national record

MeasureIn TennesseeTennessee, all lendersVanderbilt Mortgage and Finance, Inc, all statesUnited States
Denial rate64.4%22.6%69.7%24.3%
Median rate spread, pp2.20.32.50.3
Originations with spread of 1.5 pp or more62.1%14.7%61.0%15.6%
Average originated loan$224k$302k$204k$329k
Home purchase share98.8%55.5%98.8%57.0%
FHA-insured share6.1%15.5%11.3%13.4%
VA-guaranteed share2.6%10.0%5.2%7.9%

Trend by year

ApplicationsOriginations

04918.59,8372022: 9,368 Applications2023: 9,540 Applications2024: 9,837 Applications2022: 1,655 Originations2023: 1,596 Originations2024: 1,721 Originations202220232024
Vanderbilt Mortgage and Finance, Inc in Tennessee: applications and originations, 2022–2024

This lender in stateTennessee, all lenders

0%33.0%65.9%2022: 62.6% This lender in state2023: 65.9% This lender in state2024: 64.4% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Tennessee

By purpose

Home purchase 99% (1,701)Refinancing 0% (1)Cash-out refinancing 1% (19)

By type

Conventional 91% (1,572)FHA 6% (105)VA 3% (44)

Denial reasons as coded

Credit history43.8%
Unverifiable information37.8%
Debt-to-income ratio17.5%
Employment history0.9%
Collateral0%
Insufficient cash (downpayment, closing costs)0%
Credit application incomplete0%
Mortgage insurance denied0%
Other0%

Share of 3,632 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).

Counties in Tennessee

CountyApplicationsOriginationsAmountDenial rate
Wilson County217160$69m7.4%
Sumner County243157$49m16.9%
Knox County62887$25m71.9%
Davidson County15380$30m31.0%
Blount County46179$12m66.9%
Rutherford County11664$23m26.4%
Greene County33550$7.5m63.8%
Anderson County29444$5.3m67.0%
Hamilton County42843$6.5m75.4%
Loudon County17240$12m51.6%
Jefferson County21339$4.6m65.8%
Hawkins County25337$5.6m68.6%
Sevier County28435$4.4m76.4%
Grainger County18934$4.6m69.0%
Sullivan County31233$4.4m75.9%
Roane County27032$4.8m70.3%
Campbell County18332$4.4m67.5%
Monroe County28130$4.0m73.0%
Claiborne County23829$5.9m75.2%
Cocke County18228$4.1m71.0%
McMinn County21627$4.3m76.2%
Williamson County5026$16m18.2%
Bradley County23924$3.9m68.8%
Carter County16624$3.1m66.7%
Cumberland County18421$3.0m71.6%
Henderson County10021$2.6m57.4%
Hamblen County14219$2.7m70.5%
Washington County19917$2.7m79.4%
Rhea County16016$2.6m72.5%
Marion County8116$2.4m58.8%
Bledsoe County7516$2.6m48.8%
McNairy County6016$2.3m52.6%
Morgan County11415$2.2m65.6%
Polk County8815$2.4m68.5%
Union County10014$1.6m72.6%
Sequatchie County8313$1.7m65.5%
Meigs County8912$1.9m67.2%
Scott County7412$1.6m65.0%
Hardin County3412$1.6m44.0%
Madison County10110$1.4m70.7%

Counties with at least 25 applications, by originations.

Questions and answers

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

1,721 loans totalling $385m, from 9,837 applications reported for properties in Tennessee.

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

64.4% of decided applications in Tennessee were denied, against 22.6% 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 Tennessee counties does Vanderbilt Mortgage and Finance, Inc lend in most?

By originations: Wilson County (160), Sumner County (157), Knox County (87), Davidson County (80), Blount County (79).

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