Lender profile · HMDA 2023–2025
Cadence Bank mortgage approval rates & lending data
Cadence Bank decided 24,129 mortgage applications and funded 20,486 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 13,943 / 15,461 | 99% | $325K | 13,817 |
| Home improvement loans | 54% | 53 / 98 | 96% | $105K | 51 |
| Cash-out refinance | 60% | 356 / 593 | 99% | $205K | 352 |
| Refinance | 78% | 3,235 / 4,145 | 97% | $85K | 3,152 |
| Investment property purchase | 90% | 1,942 / 2,151 | 92% | $205K | 1,791 |
| Investment cash-out refinance | 50% | 15 / 30 | 100% | $85K | 15 |
| Investment refinance | 86% | 1,228 / 1,435 | 93% | $125K | 1,144 |
| Investment home improvement | 81% | 175 / 216 | 94% | $85K | 164 |
Cadence Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 89% | $375K | 7,889 | 6,901 |
| Mississippi | 85% | $255K | 4,298 | 3,563 |
| Alabama | 87% | $325K | 3,373 | 2,855 |
| Tennessee | 87% | $275K | 2,547 | 2,176 |
| Louisiana | 85% | $95K | 1,604 | 1,321 |
| Arkansas | 87% | $305K | 1,271 | 1,083 |
| Georgia | 81% | $275K | 1,244 | 980 |
| Florida | 85% | $355K | 921 | 766 |
| Missouri | 88% | $175K | 706 | 600 |
| South Carolina | 87% | $265K | 119 | 102 |
| North Carolina | 88% | $455K | 43 | 37 |
| Oklahoma | 92% | $275K | 25 | 23 |
| Colorado | 89% | $765K | 18 | 16 |
| Kansas | 86% | $365K | 14 | 12 |
| Virginia | 92% | $475K | 12 | 11 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.