Vanderbilt Mortgage and Finance in Missouri vs the state
34.8%Denial rate+19.77 pts vs state
66.0%Decision denial rate+47.31 pts vs state
16.1%Origination rate-46.60 pts vs state
8.50%Median rate+1.88 pts vs state
2.22Rate spread (pts)+1.87 pts vs state
$63kMedian applicant income
324Loans originated
703Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,753 | 353 | 44.2% | 8.75% | #23 |
| 2024 | 1,763 | 294 | 41.1% | 8.75% | #27 |
| 2025 | 2,018 | 324 | 34.8% | 8.50% | #28 |
What Vanderbilt Mortgage and Finance lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Charles County | 130 | 21 | 55 | 42.3% |
| Laclede County | 126 | 6 | 49 | 38.9% |
| Jackson County | 117 | 76 | 6 | 5.1% |
| Lincoln County | 108 | 16 | 34 | 31.5% |
| Newton County | 93 | 14 | 31 | 33.3% |
| Greene County | 86 | 1 | 41 | 47.7% |
| Camden County | 71 | 5 | 24 | 33.8% |
| Jasper County | 63 | 5 | 25 | 39.7% |
| Clay County | 54 | 30 | 7 | 13.0% |
| Cass County | 54 | 38 | 3 | 5.6% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 2,018 applications in 2025, of which 324 were originated and 703 denied.
34.8% of all applications, or 66.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Missouri in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology