Lender in Kentucky · HMDA 2025
Vanderbilt Mortgage and Finance, Inc. mortgages in Kentucky
Vanderbilt Mortgage and Finance, Inc.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Vanderbilt Mortgage and Finance, Inc. originated 221 owner-occupied single-family loans in Kentucky from 230 completed applications.
Its median conventional purchase loan costs were $6,480 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.125% (Kentucky: 6.625%).
Loans in KY
221
of 230 applications
Denial rate
2.2%
Purchase · KY 8.2%
Rate spread
−0.11 pts
Conv. · KY +0.21 pts
Loan amount
$355,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 228 | 219 | 2.2% | 6.125% | −0.11 pts | $6,480 | $355,000 |
| Refinance | 2 | 2 | — | — | — | — | — |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Vanderbilt Mortgage and Finance, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Shelby County | 5 | 30 | 3.9% |
| Oldham County | 9 | 27 | 2.2% |
| Jefferson County | 20 | 152 | 1.4% |
- Vanderbilt Mortgage and Finance, Inc. nationwide
- Kentucky mortgage market
- Vanderbilt Mortgage and Finance, Inc. in South Carolina
- Vanderbilt Mortgage and Finance, Inc. in Georgia
- Vanderbilt Mortgage and Finance, Inc. in Indiana
- Vanderbilt Mortgage and Finance, Inc. in North Carolina
- Vanderbilt Mortgage and Finance, Inc. in Florida
- Vanderbilt Mortgage and Finance, Inc. in Tennessee
- Vanderbilt Mortgage and Finance, Inc. in Ohio
- Vanderbilt Mortgage and Finance, Inc. in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology