Lenders › Vanderbilt Mortgage and Finance, Inc › Virginia
Vanderbilt Mortgage and Finance, Inc in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia 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 Virginia covers 5,927 applications, 586 of them originated, worth $93m.
Its denial rate in the state was 79.6%, above the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 69.7%.
The median rate spread on its Virginia originations was 3.3 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | Vanderbilt Mortgage and Finance, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 79.6% | 22.1% | 69.7% | 24.3% |
| Median rate spread, pp | 3.3 | 0.3 | 2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 83.4% | 16.5% | 61.0% | 15.6% |
| Average originated loan | $159k | $352k | $204k | $329k |
| Home purchase share | 99.7% | 55.8% | 98.8% | 57.0% |
| FHA-insured share | 0.3% | 11.7% | 11.3% | 13.4% |
| VA-guaranteed share | 0.5% | 16.4% | 5.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 100% (584)Cash-out refinancing 0% (2)
By type
Conventional 99% (581)FHA 0% (2)VA 1% (3)
Denial reasons as coded
Share of 2,722 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Pittsylvania County | 137 | 20 | $2.9m | 70.6% |
| Carroll County | 120 | 20 | $2.5m | 74.4% |
| Washington County | 163 | 19 | $2.8m | 76.0% |
| Wythe County | 130 | 18 | $2.2m | 71.8% |
| Bedford County | 180 | 17 | $2.2m | 71.3% |
| Lee County | 93 | 17 | $2.5m | 61.8% |
| Chesterfield County | 117 | 16 | $7.1m | 73.0% |
| Henry County | 113 | 16 | $1.8m | 72.2% |
| Augusta County | 116 | 14 | $1.1m | 77.9% |
| Rockingham County | 128 | 13 | $1.4m | 79.4% |
| Prince George County | 116 | 13 | $1.3m | 80.3% |
| Isle of Wight County | 74 | 13 | $835k | 68.9% |
| Franklin County | 107 | 12 | $1.8m | 74.5% |
| Mecklenburg County | 102 | 12 | $2.5m | 70.2% |
| Wise County | 80 | 12 | $1.6m | 74.5% |
| Smyth County | 75 | 12 | $1.6m | 70.6% |
| Russell County | 65 | 12 | $1.6m | 64.4% |
| Tazewell County | 106 | 11 | $1.5m | 80.6% |
| Hampton city | 55 | 11 | $785k | 76.1% |
| Hanover County | 75 | 10 | $3.0m | 74.4% |
| Scott County | 65 | 10 | $940k | 63.6% |
| Orange County | 53 | 10 | $1.7m | 71.4% |
| Patrick County | 50 | 10 | $1.4m | 58.6% |
| Halifax County | 46 | 10 | $1.6m | 65.6% |
| New Kent County | 45 | 10 | $2.8m | 61.5% |
| Buckingham County | 109 | 9 | $1.5m | 82.0% |
| Albemarle County | 98 | 9 | $1.6m | 84.6% |
| Campbell County | 88 | 9 | $1.5m | 74.4% |
| Pulaski County | 74 | 9 | $1.2m | 76.9% |
| Greene County | 71 | 8 | $1.1m | 81.3% |
| Buchanan County | 48 | 8 | $1.1m | 71.9% |
| Floyd County | 42 | 8 | $870k | 65.4% |
| Galax city | 32 | 8 | $1.4m | — |
| King William County | 26 | 8 | $2.3m | — |
| Montgomery County | 95 | 7 | $845k | 84.9% |
| Stafford County | 56 | 7 | $605k | 75.0% |
| Henrico County | 50 | 7 | $2.2m | 77.4% |
| Spotsylvania County | 104 | 6 | $710k | 89.1% |
| Appomattox County | 82 | 6 | $820k | 86.0% |
| Dinwiddie County | 73 | 6 | $860k | 76.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Vanderbilt Mortgage and Finance, Inc originate in Virginia in 2024?
586 loans totalling $93m, from 5,927 applications reported for properties in Virginia.
What is Vanderbilt Mortgage and Finance, Inc's denial rate in Virginia?
79.6% of decided applications in Virginia were denied, against 22.1% 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 Virginia counties does Vanderbilt Mortgage and Finance, Inc lend in most?
By originations: Pittsylvania County (20), Carroll County (20), Washington County (19), Wythe County (18), Bedford County (17).
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 Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.