What loan types does Vanderbilt Mortgage and Finance offer?

Vanderbilt Mortgage and Finance 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 offer mortgages?

Vanderbilt Mortgage and Finance 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's mortgage rates?

Vanderbilt Mortgage and Finance 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?

Vanderbilt Mortgage and Finance is a Independent Mortgage Company headquartered in KNOXVILLE, TN.

Unclaimed

Vanderbilt Mortgage and Finance

Independent Mortgage Company•Knoxville, TNHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Vanderbilt Mortgage and Finance — 7.4k loans across 10k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 47 mkts

Awards

Champion

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

Vanderbilt Mortgage and Finance performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+6.3 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 48 markets

Strong

Top 40% of lenders

Loan Product Performance

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%Above	$3,032Fees
FHA Loans	Strong	Exceptional	Sound	Exceptional	2,271	30.6%	+0.010%Above	$3,553Fees
VA Loans	Exceptional	Exceptional	Strong	Exceptional	1,043	14.0%	-0.689%Below	$1,675Fees
Jumbo Loans	Sound	Strong	Sound	Sound	30	0.4%	+0.415%Above	$1,974Fees
USDA Loans	Strong	Exceptional	Sound	Strong	59	0.8%	-0.097%Below	$3,980Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume4,029

Mix54.2%

Spread

+0.165%Above

Fees

$3,032Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume2,271

Mix30.6%

Spread

+0.010%Above

Fees

$3,553Fees

VA Loans

Overall

Exceptional

Product

Exceptional

Pricing

Strong

Pull Through

Exceptional

Volume1,043

Mix14.0%

Spread

-0.689%Below

Fees

$1,675Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume30

Mix0.4%

Spread

+0.415%Above

Fees

$1,974Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume59

Mix0.8%

Spread

-0.097%Below

Fees

$3,980Fees

Loan Purpose Performance

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%Above	$3,141Fees
Refinance	Strong	Strong	Strong	Sound	206	2.8%	+0.206%Above	$2,285Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume7,226

Mix97.2%

Spread

+0.056%Above

Fees

$3,141Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume206

Mix2.8%

Spread

+0.206%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast5

CTNHNJPAVT

Midwest8

IAILINKSMIMNMOOH

South13

ALARFLGAKYLAMDNCSCTNTXVAWV

West7

AZCACOIDMTORWY

Top Metro Areas by Place Specialization Score

1© Thomas Kirchel · CC BY-SA 4.0

Columbia, SCMetro

Volume 567Mix 7.63% of portfolio

97/100

Exceptional

2© Michael Rivera · CC BY-SA 4.0

Hinesville, GAMetro

Volume 138Mix 1.86% of portfolio

93/100

Exceptional

3© TheWxResearcher · CC0

Indianapolis, INMetro

Volume 966Mix 13.00% of portfolio

91/100

Exceptional

Gainesville, GAMetro

Volume 122Mix 1.64% of portfolio

90/100

Exceptional

Kokomo, INMetro

Volume 81Mix 1.09% of portfolio

88/100

Exceptional

Marietta, GAMetro

Volume 367Mix 4.94% of portfolio

86/100

Exceptional

Spartanburg, SCMetro

Volume 162Mix 2.18% of portfolio

85/100

Exceptional

Nashville, TNMetro

Volume 474Mix 6.38% of portfolio

84/100

Exceptional

Raleigh, NCMetro

Volume 397Mix 5.34% of portfolio

84/100

Exceptional

Lakeland, FLMetro

Volume 268Mix 3.61% of portfolio

83/100

Exceptional

Showing 10 of 47 metro areas

Top States by Place Specialization Score

South CarolinaState

Volume 1,302Mix 17.52% of portfolio

92/100

Exceptional

GeorgiaState

Volume 1,807Mix 24.31% of portfolio

89/100

Exceptional

IndianaState

Volume 1,219Mix 16.40% of portfolio

85/100

Exceptional

AlabamaState

Volume 434Mix 5.84% of portfolio

80/100

Strong

TennesseeState

Volume 579Mix 7.79% of portfolio

78/100

Strong

North CarolinaState

Volume 777Mix 10.45% of portfolio

76/100

Strong

FloridaState

Volume 631Mix 8.49% of portfolio

71/100

Strong

KentuckyState

Volume 156Mix 2.10% of portfolio

67/100

Strong

OhioState

Volume 169Mix 2.27% of portfolio

61/100

Strong

KansasState

Volume 58Mix 0.78% of portfolio

58/100

Sound

Showing 10 of 15 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.