Lender in North Carolina · HMDA 2025
Vanderbilt Mortgage and Finance, Inc. mortgages in North Carolina
Vanderbilt Mortgage and Finance, Inc.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Vanderbilt Mortgage and Finance, Inc. originated 1,083 owner-occupied single-family loans in North Carolina from 1,141 completed applications.
Its median conventional purchase loan costs were $5,400 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 5.99% (North Carolina: 6.50%).
Loans in NC
1,083
of 1,141 applications
Denial rate
2.3%
Purchase · NC 7.6%
Rate spread
−0.42 pts
Conv. · NC +0.04 pts
Loan amount
$365,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,119 | 1,063 | 2.3% | 5.990% | −0.42 pts | $5,400 | $365,000 |
| Refinance | 14 | 14 | — | — | — | — | — |
| Cash-out refinance | 8 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Vanderbilt Mortgage and Finance, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 4 | 71 | 4.5% |
| Davie County | 7 | 23 | 3.2% |
| Clay County | 8 | 4 | 3.0% |
| Forsyth County | 9 | 178 | 3.1% |
| Pender County | 12 | 31 | 2.2% |
| Cherokee County | 13 | 4 | 1.2% |
| Johnston County | 14 | 90 | 1.8% |
| Brunswick County | 14 | 82 | 1.9% |
| New Hanover County | 15 | 57 | 1.7% |
| Wake County | 19 | 266 | 1.3% |
| Durham County | 21 | 58 | 1.3% |
| Onslow County | 21 | 50 | 1.0% |
| Alamance County | 21 | 31 | 1.1% |
- Vanderbilt Mortgage and Finance, Inc. nationwide
- North Carolina 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 Florida
- Vanderbilt Mortgage and Finance, Inc. in Tennessee
- Vanderbilt Mortgage and Finance, Inc. in Ohio
- Vanderbilt Mortgage and Finance, Inc. in Alabama
- Vanderbilt Mortgage and Finance, Inc. in Kentucky
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology