Vanderbilt Mortgage and Finance in California vs the state
34.4%Denial rate+16.96 pts vs state
75.7%Decision denial rate+53.29 pts vs state
9.3%Origination rate-46.89 pts vs state
9.50%Median rate+2.88 pts vs state
3.69Rate spread (pts)+3.41 pts vs state
$83kMedian applicant income
59Loans originated
218Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 785 | 50 | 51.6% | 9.25% | #157 |
| 2024 | 665 | 63 | 43.5% | 8.99% | #208 |
| 2025 | 634 | 59 | 34.4% | 9.50% | #225 |
What Vanderbilt Mortgage and Finance lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 143 | 13 | 52 | 36.4% |
| Butte County | 65 | 4 | 20 | 30.8% |
| San Joaquin County | 39 | 8 | 9 | 23.1% |
| Solano County | 32 | 5 | 11 | 34.4% |
| Sonoma County | 26 | 0 | 10 | 38.5% |
| Yolo County | 25 | 2 | 11 | 44.0% |
| San Bernardino County | 21 | 2 | 9 | 42.9% |
| Inyo County | 19 | 3 | 2 | 10.5% |
| San Diego County | 18 | 0 | 11 | 61.1% |
| Contra Costa County | 18 | 2 | 6 | 33.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 634 applications in 2025, of which 59 were originated and 218 denied.
34.4% of all applications, or 75.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Vanderbilt Mortgage and Finance originated in California in 2025 was 9.50%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology