Applications / Mortgage Analytics / Lenders / Tennessee / Vanderbilt Mortgage and Finance
Maryville, TN · Independent non-bank lender · CFPB · 19,996 loans in 2025
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19,996
loans originated, 2025
121,666
applications, 2025
38
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vanderbilt Mortgage and Finance is a manufactured-home lender, with manufactured homes 59.6% of its loans against 2.4% at similar lenders, and ranked 4 of 515 lenders in Columbia, SC in 2025.
Similar lenders are independent non-bank lenders making between half and twice as many loans. Purchases were 98.5% of its loans, and its typical loan was $165,000 against $285,000. 38.9% of its loans went to LMI (low- and moderate-income) borrowers against 30.2%, higher than more than four in five similar lenders, which fits smaller loans for manufactured homes.
59.0% of its loans were higher-priced (a rate well above the average for similar loans) against 5.0%, and its typical rate was 8.75% against 6.62%. 68.4% of its purchase applications were denied against 7.6%. Loans for manufactured homes, most of its lending, are usually priced higher and turned down more often than loans for site-built homes, which could account for most of both gaps.
Its originations fell 2% to 19,996 while similar lenders grew 14% and the whole market 10%. It made 25,274 loans five years before and between 18,406 and 20,306 a year since 2022.
It ranked 4 of 515 lenders in Columbia, SC, with 3.2% of lending against 3.3% a year earlier, behind Guild Mortgage Company, United Wholesale Mortgage and Rocket Mortgage. In Raleigh-Cary it ranked 16 of 638, with 1.2% against 1.1%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vanderbilt Mortgage and Finance took 121,666 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 98.5% · Refinance 1.5%
Conventional 82.0% · FHA 12.2% · VA 5.4% · USDA (RHS or FSA) 0.4% · of 19,996 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 2,515 | 12.6% |
| South Carolina | 2,449 | 12.2% |
| Texas | 2,045 | 10.2% |
| Georgia | 1,956 | 9.8% |
| Tennessee | 1,509 | 7.5% |
| Indiana | 1,449 | 7.2% |
| Alabama | 1,426 | 7.1% |
| Kentucky | 1,150 | 5.8% |
| Florida | 844 | 4.2% |
| Ohio | 738 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 1,095 |
| Columbia | 756 |
| Houston-Pasadena-The Woodlands | 627 |
| Atlanta-Sandy Springs-Roswell | 613 |
| Raleigh-Cary | 570 |
| Nashville-Davidson--Murfreesboro--Franklin | 404 |
| Knoxville | 355 |
| Charleston-North Charleston | 330 |
| Louisville/Jefferson County | 324 |
| Spartanburg | 323 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000YNV8IX4VD3X12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1936928 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7620997810 | |
| Respondent ID (the HMDA filer code before 2018) | 74856500006 | 1992–2010 |
Established 21 March 1977. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Vanderbilt Mortgage and Finance's data.
Vanderbilt Mortgage and Finance's data
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Vanderbilt Mortgage and Finance and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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