Vanderbilt Mortgage and Finance
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
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
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
4,029 loans · 0.17% above market
Exceptional
Top 20% of lenders
5/5
FHA
2,271 loans · 0.01% above market
Exceptional
Top 20% of lenders
5/5
VA
1,043 loans · 0.69% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
30 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
USDA
59 loans · 0.10% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
7,226 loans · 0.06% above market
Exceptional
Top 20% of lenders
5/5
Refinance
206 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 48 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume4,029
Mix54.2%
Spread
+0.165%Above
Fees
$3,032Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume2,271
Mix30.6%
Spread
+0.010%Above
Fees
$3,553Fees
VA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume1,043
Mix14.0%
Spread
-0.689%Below
Fees
$1,675Fees
Jumbo Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume30
Mix0.4%
Spread
+0.415%Above
Fees
$1,974Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
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 | 7,226 | 97.2% | +0.056%Above | $3,141Fees | ||||
Refinance | 206 | 2.8% | +0.206%Above | $2,285Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume7,226
Mix97.2%
Spread
+0.056%Above
Fees
$3,141Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
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
47
markets with activity
States Served
33
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
33Full-year 2024 · HMDALoans originated
< 5050–100100–500500–1,0001,000+None
Northeast5
CTNHNJPAVT
Midwest8
IAILINKSMIMNMOOH
South13
ALARFLGAKYLAMDNCSCTNTXVAWV
West7
AZCACOIDMTORWY
Top Metro Areas by Place Specialization Score
Showing 10 of 47 metro areas
Top States by Place Specialization Score
Showing 10 of 15 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.