Vanderbilt Mortgage and Finance, Inc Mortgage Lending & HMDA Data, 2021
In 2021, Vanderbilt Mortgage and Finance, Inc of Maryville, TN reported 128,354 mortgage applications totaling $15.7 billion, up 4% from 2020. The average application was for $121,982, and applicants reported an average income of $61,851. 18% of its applications resulted in an originated loan and 40% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (4,992), Houston-The Woodlands-Sugar Land, TX (4,481) and Charlotte-Concord-Gastonia, NC-SC (2,509) (applications in parentheses).
| Mortgage Company & Address | Vanderbilt Mortgage and Finance, Inc 500 Alcoa Trail Maryville, TN 37804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 128,354 |
| Total Mortgage Loan Application Amount | $15,656,970,000 |
| Average Mortgage Loan Application Amount | $121,982 |
| Highest Mortgage Loan Application Amount | $29,615,000 |
| Average Applicant Income | $61,851 |
| Highest Applicant Income | $8,766,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vanderbilt Mortgage and Finance, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Vanderbilt Mortgage and Finance, Inc in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 124,140 | $14,603,570,000 | $117,000 | $7,355,000 | $60,000 | $8,766,000 |
| Refinancing | 2,302 | $707,770,000 | $307,000 | $29,615,000 | $135,000 | $2,100,000 |
| Cash-out Refinancing | 1,255 | $319,875,000 | $254,000 | $1,565,000 | $117,000 | $1,569,000 |
| Not Applicable | 657 | $25,755,000 | $39,000 | $305,000 | $50,000 | $50,000 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 73,124 | $8,852,070,000 | $121,000 | $2,245,000 | $63,000 | $8,766,000 |
| Black or African American | 25,857 | $2,892,875,000 | $111,000 | $875,000 | $53,000 | $6,030,000 |
| Hispanic | 12,074 | $1,386,300,000 | $114,000 | $1,155,000 | $60,000 | $7,200,000 |
| Not Provided | 11,590 | $1,683,830,000 | $145,000 | $1,705,000 | $71,000 | $3,420,000 |
| American Indian or Alaskan Native | 3,401 | $348,395,000 | $102,000 | $655,000 | $56,000 | $3,536,000 |
| Asian | 1,311 | $316,795,000 | $241,000 | $1,565,000 | $115,000 | $1,937,000 |
| Not applicable | 733 | $147,645,000 | $201,000 | $29,615,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 74 | $9,690,000 | $130,000 | $875,000 | $68,000 | $252,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 123,032 | $14,355,720,000 | $116,000 | $29,615,000 | $61,000 | $8,766,000 |
| FHA-insured (Federal Housing Administration) | 3,433 | $753,315,000 | $219,000 | $535,000 | $69,000 | $840,000 |
| VA-guaranteed (Veterans Administration) | 1,477 | $466,805,000 | $316,000 | $875,000 | $93,000 | $427,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 412 | $81,130,000 | $196,000 | $505,000 | $74,000 | $2,040,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 51,384 | $5,320,710,000 | $103,000 | $1,075,000 | $55,000 | $8,766,000 |
| File Closed For Incompleteness | 45,090 | $4,557,930,000 | $101,000 | $965,000 | $56,000 | $5,591,000 |
| Loan Originated | 23,159 | $4,366,235,000 | $188,000 | $29,615,000 | $83,000 | $1,937,000 |
| Application Withdrawn By Applicant | 4,555 | $1,024,035,000 | $224,000 | $2,245,000 | $99,000 | $6,600,000 |
| Application Approved But Not Accepted | 3,420 | $346,430,000 | $101,000 | $545,000 | $57,000 | $616,000 |
| Loan Purchased By The Institution | 705 | $32,455,000 | $46,000 | $425,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 41 | $9,175,000 | $223,000 | $425,000 | $57,000 | $127,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 76,929 | $10,327,085,000 | $134,000 | $29,615,000 | $67,000 | $6,600,000 |
| Credit History | 21,836 | $2,172,680,000 | $99,000 | $645,000 | $70,000 | $8,766,000 |
| Unverifiable Information | 14,451 | $1,462,065,000 | $101,000 | $995,000 | $59,000 | $3,022,000 |
| Debt-To-Income Ratio | 14,331 | $1,581,205,000 | $110,000 | $1,075,000 | $28,000 | $960,000 |
| Employment History | 536 | $61,830,000 | $115,000 | $515,000 | $40,000 | $1,022,000 |
| Credit Application Incomplete | 126 | $16,970,000 | $134,000 | $515,000 | $87,000 | $1,209,000 |
| Collateral | 64 | $15,710,000 | $245,000 | $915,000 | $93,000 | $470,000 |
| Other | 60 | $14,760,000 | $246,000 | $895,000 | $110,000 | $900,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $4,665,000 | $222,000 | $425,000 | $86,000 | $480,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vanderbilt Mortgage and Finance, Inc's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Vanderbilt Mortgage and Finance, Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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