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 score and performance metrics.

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 an overall pricing score of 50.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

VANDERBILT MORTGAGE AND FINANCE, INC. is a Independent Mortgage Company headquartered in KNOXVILLE, TN.

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VANDERBILT MORTGAGE AND FINANCE, INC.

Independent Mortgage Company|KNOXVILLE, TN|Near-National

Loans Originated

7,432

Applications

9,652

Volume

$2 billion

Offers loans directly to consumers

Overall Pricing

Sound

Overall Pull Through

Exceptional

Safe Rate Awards💎VA Champion⭐Conventional Superstar⭐FHA Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar

Pricing and Pullthrough Overview

Average Rate Spread

+0.063%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$3,102

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

77.0%

Percentage of applications that result in closed loans

Safe Rate's Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Report Card

VANDERBILT MORTGAGE AND FINANCE, INC. performance at a glance

Category	Grade	Details
Pricing Rate competitiveness	Sound	Industry Standard
Pull Through Closing Strength	Exceptional	Market Leader
Products Loan Type Specialists		Specialization score by loan product
Conventional	Exceptional	Market Leader
FHA	Exceptional	Market Leader
VA	Exceptional	Market Leader
Jumbo	Strong	Highly Competitive
USDA	Exceptional	Market Leader
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Exceptional	Market Leader
Refinance	Strong	Highly Competitive
Places Geographic coverage	Strong	Near-National · 48 metro areas · 33 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$338,150

Average Borrower Income

$130,187

Average Property Value

$407,710

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Strong	4,029	54.2%	+0.165%	$3,032
FHA Loans	Strong	Exceptional	Sound	Exceptional	2,271	30.6%	+0.010%	$3,553
VA Loans	Exceptional	Exceptional	Strong	Exceptional	1,043	14.0%	-0.689%	$1,675
Jumbo Loans	Sound	Strong	Sound	Sound	30	0.4%	+0.415%	$1,974
USDA Loans	Strong	Exceptional	Sound	Strong	59	0.8%	-0.097%	$3,980

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	7,226	97.2%	+0.056%	$3,141
Refinance	Strong	Strong	Strong	Sound	206	2.8%	+0.206%	$2,285

Geographic Coverage

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

ALARAZCACOCTFLGAIAIDILINKSKYLAMDMIMNMOMTNCNHNJOHORPASCTNTXVAVTWVWY

Top Metro Areas by Place Specialization Score

Columbia, SC, SCMSA

Volume: 567Mix: 7.63%

Place Specialization

Exceptional

Hinesville, GA, GAMSA

Volume: 138Mix: 1.86%

Place Specialization

Exceptional

Indianapolis, INMSA

Volume: 966Mix: 13.00%

Place Specialization

Exceptional

Gainesville, GA, GAMSA

Volume: 122Mix: 1.64%

Place Specialization

Exceptional

Kokomo, IN, INMSA

Volume: 81Mix: 1.09%

Place Specialization

Exceptional

Marietta, GA, GAMSA

Volume: 367Mix: 4.94%

Place Specialization

Exceptional

Spartanburg, SC, SCMSA

Volume: 162Mix: 2.18%

Place Specialization

Exceptional

Nashville, TNMSA

Volume: 474Mix: 6.38%

Place Specialization

Exceptional

Raleigh, NCMSA

Volume: 397Mix: 5.34%

Place Specialization

Exceptional

Lakeland, FLMSA

Volume: 268Mix: 3.61%

Place Specialization

Exceptional

Showing 10 of 47 metro areas

Top States by Place Specialization Score

SCState

Volume: 1,302Mix: 17.52%

Place Specialization

Exceptional

GAState

Volume: 1,807Mix: 24.31%

Place Specialization

Exceptional

INState

Volume: 1,219Mix: 16.40%

Place Specialization

Exceptional

ALState

Volume: 434Mix: 5.84%

Place Specialization

Strong

TNState

Volume: 579Mix: 7.79%

Place Specialization

Strong

NCState

Volume: 777Mix: 10.45%

Place Specialization

Strong

FLState

Volume: 631Mix: 8.49%

Place Specialization

Strong

KYState

Volume: 156Mix: 2.10%

Place Specialization

Strong

OHState

Volume: 169Mix: 2.27%

Place Specialization

Strong

KSState

Volume: 58Mix: 0.78%

Place Specialization

Sound

Showing 10 of 15 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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