Cadence Bank mortgage approval rate & lending review
Cadence Bank decided 24,129 mortgage applications and funded 20,486 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cadence Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to cadencebank.com.
Cadence Bank at a glance
Approval is 2.6 points above the 84.2% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cadence Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Mortgage lenders | 91% | 2,297 | 2,075 |
| Shelby County, TN | Mortgage lenders | 91% | 770 | 692 |
| Jefferson County, AL | Mortgage lenders | 91% | 705 | 635 |
| Dallas County, TX | Mortgage lenders | 91% | 664 | 598 |
| Rankin County, MS | Mortgage lenders | 92% | 597 | 551 |
| Hinds County, MS | Mortgage lenders | 84% | 593 | 495 |
| Travis County, TX | Mortgage lenders | 94% | 506 | 476 |
| Montgomery County, TX | Mortgage lenders | 91% | 521 | 470 |
| Davidson County, TN | Mortgage lenders | 96% | 369 | 355 |
| Bell County, TX | Mortgage lenders | 90% | 394 | 355 |
| Madison County, MS | Mortgage lenders | 91% | 369 | 335 |
| DeSoto County, MS | Mortgage lenders | 93% | 302 | 280 |
The county markets where Cadence Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Cadence Bank
What is Cadence Bank's mortgage approval rate?
Cadence Bank approved 86.8% of the 24,129 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.6 points above the 84.2% national rate for the same mix of loan types.
How often do borrowers take the loan Cadence Bank offers?
Borrowers accepted 98% of the loans Cadence Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cadence Bank make?
The typical home purchase mortgage loan Cadence Bank made was $325K; across all loan types its typical loan ran from $85K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cadence Bank lend?
Cadence Bank decided applications in 32 of the states Fat Boy Data covers, most of them in Texas, Mississippi and Alabama.
Can I apply to Cadence Bank directly?
Yes. Cadence Bank reports as a direct lender that takes applications from borrowers. Its website is cadencebank.com.
Does this page show Cadence Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cadence Bank treats applications, then get a rate quote from the lender.