# VANDERBILT MORTGAGE AND FINANCE, INC.

> **Canonical URL:** https://saferate.com/lenders/vanderbilt-mortgage-and-finance


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


VANDERBILT MORTGAGE AND FINANCE, INC. is a independent mortgage company, headquartered in KNOXVILLE, TN, serving borrowers across 33 states, with 7,432 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000YNV8IX4VD3X12
- **Headquarters:** KNOXVILLE, TN
- **Geographic Reach:** Near-National
- **States Served:** 33
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NH, NJ, OH, OR, PA, SC, TN, TX, VA, VT, WV, WY
- **Markets (MSAs):** 48
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.063%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,102
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 7,432
- **Dollar Volume:** $2.5 billion
- **Applications Received:** 9,652
- **Market Share:** 21.00%

## Typical Borrower Profile

- **Average Loan Amount:** $338,150
- **Average Borrower Income:** $130,187
- **Average Property Value:** $407,710

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (83%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (76%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 4,029 | +0.165% | $3,032 | Exceptional 🤩 |
| FHA | 88/100 | 2,271 | +0.010% | $3,553 | Exceptional 🤩 |
| VA | 86/100 | 1,043 | -0.689% | $1,675 | Exceptional 🤩 |
| Jumbo | 68/100 | 30 | +0.415% | $1,974 | Strong 😀 |
| USDA | 83/100 | 59 | -0.097% | $3,980 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,877 loans, Score: 84/100 (Exceptional)
- Refinance: 152 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 2,235 loans, Score: 88/100 (Exceptional)
- Refinance: 36 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 1,030 loans, Score: 87/100 (Exceptional)

**Jumbo:**
- Purchase: 25 loans, Score: 69/100 (Strong)

**USDA:**
- Purchase: 59 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 7,226 | $2.4B | +0.056% | Exceptional 🤩 |
| Refinance | 62/100 | 206 | $70M | +0.206% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 1,807 | 1.31% | 89/100 |
| SC | 1,302 | 1.62% | 92/100 |
| IN | 1,219 | 1.34% | 85/100 |
| NC | 777 | 0.52% | 76/100 |
| FL | 631 | 0.22% | 71/100 |
| TN | 579 | 0.64% | 78/100 |
| AL | 434 | 0.72% | 80/100 |
| OH | 169 | 0.13% | 61/100 |
| KY | 156 | 0.34% | 67/100 |
| MO | 105 | 0.14% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Indianapolis | IN | 966 | 91/100 |
| Atlanta | GA | 669 | 83/100 |
| Columbia, SC | SC | 567 | 97/100 |
| Nashville | TN | 474 | 84/100 |
| Raleigh | NC | 397 | 84/100 |
| Non |  | 387 | 63/100 |
| Marietta, GA | GA | 367 | 86/100 |
| Lakeland | FL | 268 | 83/100 |
| Myrtle Beach | SC | 209 | 81/100 |
| Huntsville, AL | AL | 208 | 82/100 |
| Louisville/Jefferson County, KY | KY-IN | 199 | 76/100 |
| Charleston | SC | 189 | 80/100 |
| Spartanburg, SC | SC | 162 | 85/100 |
| Kansas City, MO | MO-KS | 152 | 66/100 |
| Hinesville, GA | GA | 138 | 93/100 |

## Where This Lender Ranks

VANDERBILT MORTGAGE AND FINANCE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Hinesville, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/hinesville-ga/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Hinesville, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hinesville-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Gainesville, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Kokomo, IN Mortgage Companies
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Kokomo, IN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Kokomo, IN for VA Loans
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Kokomo, IN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Columbus, IN Mortgage Companies
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Columbus, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Columbus, IN for FHA Loans
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Columbus, IN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Columbus, IN for VA Loans
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Columbus, IN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Anniston for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in United States for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Georgia for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Georgia for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Indiana for VA Loans
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Indiana for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Indianapolis for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does VANDERBILT MORTGAGE AND FINANCE, INC. offer?

VANDERBILT MORTGAGE AND FINANCE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VANDERBILT MORTGAGE AND FINANCE, INC. offer mortgages?

VANDERBILT MORTGAGE AND FINANCE, INC. offers mortgages in 33 states: AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NH, NJ, OH, OR, PA, SC, TN, TX, VA, VT, WV, WY.

### How competitive are VANDERBILT MORTGAGE AND FINANCE, INC.'s mortgage rates?

VANDERBILT MORTGAGE AND FINANCE, INC. has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.063% above market average.

### What type of lender is VANDERBILT MORTGAGE AND FINANCE, INC.?

VANDERBILT MORTGAGE AND FINANCE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in KNOXVILLE, TN.

### What is VANDERBILT MORTGAGE AND FINANCE, INC.'s loan approval success rate?

VANDERBILT MORTGAGE AND FINANCE, INC. has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/vanderbilt-mortgage-and-finance

### How to Cite

> "VANDERBILT MORTGAGE AND FINANCE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vanderbilt-mortgage-and-finance

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