Vanderbilt Mortgage and Finance in Florida vs the state
35.0%Denial rate+13.95 pts vs state
61.0%Decision denial rate+33.72 pts vs state
20.2%Origination rate-32.49 pts vs state
5.63%Median rate-1.00 pts vs state
-0.33Rate spread (pts)-0.60 pts vs state
$68kMedian applicant income
844Loans originated
1,463Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,269 | 949 | 37.0% | 6.63% | #43 |
| 2024 | 4,791 | 1,023 | 36.1% | 6.00% | #46 |
| 2025 | 4,179 | 844 | 35.0% | 5.63% | #51 |
What Vanderbilt Mortgage and Finance lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 474 | 277 | 73 | 15.4% |
| Marion County | 304 | 58 | 101 | 33.2% |
| Santa Rosa County | 248 | 29 | 74 | 29.8% |
| Bay County | 190 | 22 | 73 | 38.4% |
| Osceola County | 189 | 116 | 34 | 18.0% |
| Hillsborough County | 182 | 56 | 60 | 33.0% |
| Putnam County | 162 | 8 | 83 | 51.2% |
| Leon County | 154 | 12 | 61 | 39.6% |
| Okaloosa County | 121 | 17 | 30 | 24.8% |
| Pinellas County | 121 | 12 | 60 | 49.6% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 4,179 applications in 2025, of which 844 were originated and 1,463 denied.
35.0% of all applications, or 61.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Florida in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology