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Vanderbilt Mortgage and Finance, Inc.
Independent Mortgage Company•KNOXVILLE, TN•Direct to Consumer
We analyzed every closed loan from Vanderbilt Mortgage and Finance — 7.4k loans across 10k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Near-National · 47 mkts
Safe Rate Awards💎VA Champion⭐Conventional Superstar⭐FHA Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
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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
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Report Card
Vanderbilt Mortgage and Finance, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +6.3 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National48 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,029 | 54.2% | +0.165%Above | $3,032Fees | ||||
FHA Loans | 2,271 | 30.6% | +0.010%Above | $3,553Fees | ||||
VA Loans | 1,043 | 14.0% | -0.689%Below | $1,675Fees | ||||
Jumbo Loans | 30 | 0.4% | +0.415%Above | $1,974Fees | ||||
USDA Loans | 59 | 0.8% | -0.097%Below | $3,980Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 7,226 | 97.2% | +0.056%Above | $3,141Fees | ||||
Refinance | 206 | 2.8% | +0.206%Above | $2,285Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,432
Applications
9,652
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.063%
vs. market APOR
Avg Net Fees
$3,102
Origination − Credits
Pullthrough Rate
77.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$338,150
Avg Borrower Income
$130,187
Avg Property Value
$407,710
Geographic Coverage
Geographic Performance
Metro Areas
47
States Served
33
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Columbia, SC, SCMSA
Volume: 567Mix: 7.63%of portfolio
Place
Exceptional2
Hinesville, GA, GAMSA
Volume: 138Mix: 1.86%of portfolio
Place
Exceptional3
Indianapolis, INMSA
Volume: 966Mix: 13.00%of portfolio
Place
Exceptional4
Gainesville, GA, GAMSA
Volume: 122Mix: 1.64%of portfolio
Place
Exceptional5
Kokomo, IN, INMSA
Volume: 81Mix: 1.09%of portfolio
Place
Exceptional6
Marietta, GA, GAMSA
Volume: 367Mix: 4.94%of portfolio
Place
Exceptional7
Spartanburg, SC, SCMSA
Volume: 162Mix: 2.18%of portfolio
Place
Exceptional8
Nashville, TNMSA
Volume: 474Mix: 6.38%of portfolio
Place
Exceptional9
Raleigh, NCMSA
Volume: 397Mix: 5.34%of portfolio
Place
Exceptional10
Lakeland, FLMSA
Volume: 268Mix: 3.61%of portfolio
Place
ExceptionalShowing 10 of 47 metro areas
Top States by Place Specialization Score
1
SCState
Volume: 1,302Mix: 17.52%of portfolio
Place
Exceptional2
GAState
Volume: 1,807Mix: 24.31%of portfolio
Place
Exceptional3
INState
Volume: 1,219Mix: 16.40%of portfolio
Place
Exceptional4
ALState
Volume: 434Mix: 5.84%of portfolio
Place
Strong5
TNState
Volume: 579Mix: 7.79%of portfolio
Place
Strong6
NCState
Volume: 777Mix: 10.45%of portfolio
Place
Strong7
FLState
Volume: 631Mix: 8.49%of portfolio
Place
Strong8
KYState
Volume: 156Mix: 2.10%of portfolio
Place
Strong9
OHState
Volume: 169Mix: 2.27%of portfolio
Place
Strong10
KSState
Volume: 58Mix: 0.78%of portfolio
Place
SoundShowing 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.