VANDERBILT MORTGAGE AND FINANCE, INC. received 121,666 applications in 2025 and made
19,996 mortgages, in 2,212 counties across 41 states.
The median rate its borrowers got was 8.750% on a median loan of $165,000.
Of 70,527 decisions, 47,825 were denials — 67.8%, most often for credit history.
Legal Entity Identifier
5493000YNV8IX4VD3X12
Applications received
121,666
Mortgages made
19,996
Denied
47,825
Approved, not taken up
2,706
Withdrawn or incomplete
51,139
Loans bought from other lenders
446
Median rate spread over the prime offer rate
2.73 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
19,706
8.750%
$165,000
68.1%
Refinancing
146
6.125%
$395,000
1.3%
Cash-out refinancing
144
6.750%
$250,000
4.4%
Other purposes
0
Under 10 loans
Under 10 loans
Not published
Where VANDERBILT MORTGAGE AND FINANCE, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When VANDERBILT MORTGAGE AND FINANCE, INC.’s figures are published for the next year, or restated.
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Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.