Vanderbilt Mortgage and Finance in Georgia vs the state
30.1%Denial rate+10.90 pts vs state
50.3%Decision denial rate+25.24 pts vs state
27.7%Origination rate-26.43 pts vs state
6.49%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$71kMedian applicant income
1,956Loans originated
2,130Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,127 | 2,290 | 28.7% | 6.63% | #12 |
| 2024 | 7,104 | 2,274 | 30.3% | 6.63% | #13 |
| 2025 | 7,071 | 1,956 | 30.1% | 6.49% | #14 |
What Vanderbilt Mortgage and Finance lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 220 | 133 | 28 | 12.7% |
| Floyd County | 219 | 16 | 100 | 45.7% |
| Carroll County | 216 | 47 | 70 | 32.4% |
| Walker County | 214 | 17 | 94 | 43.9% |
| Liberty County | 198 | 86 | 35 | 17.7% |
| Fulton County | 157 | 105 | 8 | 5.1% |
| Gwinnett County | 156 | 98 | 19 | 12.2% |
| Whitfield County | 153 | 17 | 58 | 37.9% |
| Cherokee County | 145 | 83 | 16 | 11.0% |
| Richmond County | 145 | 13 | 48 | 33.1% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 7,071 applications in 2025, of which 1,956 were originated and 2,130 denied.
30.1% of all applications, or 50.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Georgia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology