Vanderbilt Mortgage and Finance, Inc.: 2025 mortgage rates, costs & approvals
How Vanderbilt Mortgage and Finance, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: VANDERBILT MORTGAGE AND FINANCE, INC. · LEI 5493000YNV8IX4VD3X12
In 2025, Vanderbilt Mortgage and Finance, Inc. originated 7,419 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 30 states — 81st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.125% (all lenders: 6.625%); its median rate spread was 24 basis points below the national median. Median conventional loan costs were $5,220, 6% lower than the national median ($5,570).
It denied 2.0% of completed home-purchase applications (all lenders: 8.5%).
How Vanderbilt Mortgage and Finance, Inc. priced home-purchase loans
| Purchase loans, 2025 | Vanderbilt Mortgage and Finance, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.125% | 6.625% |
| 30-year fixed rate · FHA | 5.625% | 6.250% |
| 30-year fixed rate · VA | 5.750% | 6.125% |
| 15-year fixed rate · conventional | 5.375% | 5.875% |
| Rate spread vs. APOR · conventional | −0.10 pts | +0.13 pts |
| Total loan costs · conventional | $5,220 | $5,570 |
| Total loan costs · FHA | $11,350 | $11,310 |
| Total loan costs · VA | $5,020 | $6,490 |
| Origination charges (all types) | $1,960 | $1,860 |
| Borrowers paying discount points | 69.1% | 51.3% |
| Points paid, when paid (% of loan) | 1.40% | 0.87% |
| Borrowers receiving lender credits | 27.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Vanderbilt Mortgage and Finance, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Vanderbilt Mortgage and Finance, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| South Carolina | 1,416 | 1,462 | 1.8% | 6.125% | $4,920 |
| Georgia | 1,372 | 1,441 | 1.7% | 6.500% | $5,200 |
| Indiana | 1,295 | 1,341 | 2.3% | 5.990% | $4,930 |
| North Carolina | 1,083 | 1,141 | 2.3% | 5.990% | $5,400 |
| Florida | 533 | 560 | 1.1% | 5.490% | $4,130 |
| Tennessee | 414 | 431 | 1.2% | 6.490% | $6,410 |
| Ohio | 376 | 389 | 3.1% | 5.990% | $6,030 |
| Alabama | 325 | 342 | 1.8% | 6.375% | $4,080 |
| Kentucky | 221 | 230 | 2.2% | 6.125% | $6,480 |
| Missouri | 144 | 148 | 2.1% | 6.375% | $3,760 |
| Virginia | 111 | 116 | 3.5% | 6.625% | $6,010 |
| Kansas | 67 | 69 | 0.0% | 6.500% | $3,570 |
| Texas | 16 | 16 | — | — | — |
| Idaho | 12 | 13 | — | — | — |
| Pennsylvania | 8 | 8 | — | — | — |
| Illinois | 5 | 8 | — | — | — |
| Arkansas | 3 | 3 | — | — | — |
| Maryland | 3 | 3 | — | — | — |
| New Jersey | 3 | 3 | — | — | — |
| New Mexico | 3 | 3 | — | — | — |
| Arizona | 2 | 2 | — | — | — |
| West Virginia | 1 | 2 | — | — | — |
| California | 1 | 1 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
| Delaware | 0 | 1 | — | — | — |
| Michigan | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Vanderbilt Mortgage and Finance, Inc.'s page for that state.
Counties where Vanderbilt Mortgage and Finance, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County, OH | 2 | 73 | 9.1% |
| King William County, VA | 4 | 27 | 6.1% |
| Hancock County, IN | 2 | 147 | 5.9% |
| Fayette County, OH | 3 | 23 | 5.8% |
| Long County, GA | 5 | 41 | 5.7% |
| Lexington County, SC | 3 | 319 | 5.6% |
| Wayne County, GA | 3 | 18 | 5.6% |
| Johnson County, IN | 3 | 201 | 5.5% |
| Liberty County, GA | 6 | 79 | 5.2% |
| Union County, GA | 4 | 20 | 4.7% |
| Franklin County, NC | 4 | 71 | 4.5% |
| Shelby County, IN | 5 | 35 | 4.5% |
| Montgomery County, IN | 6 | 26 | 4.2% |
| Towns County, GA | 4 | 8 | 4.2% |
| Madison County, IN | 5 | 87 | 4.1% |
Check Vanderbilt Mortgage and Finance, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493000YNV8IX4VD3X12.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Vanderbilt Mortgage and Finance, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology