VANDERBILT MORTGAGE AND FINANCE, INC.

19,996 mortgages originated in 2025 across 25 states, and what they cost borrowers.

Loans originated

19,996

Median rate

8.750%

Median lender fees

$6,987

Median loan amount

$165,000

Median spread over APOR

2.730

Paid discount points

44.2%

Received lender credits

14.6%

Purchases / refinances

98.5% / 1.5%

Conventional / FHA / VA

82% / 12.2% / 5.4%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 58.7% of loans here — see methodology.

Where VANDERBILT MORTGAGE AND FINANCE, INC. lent

States with at least 50 loans in 2025, ranked by volume.