Cadence Bank in Alabama vs the state
16.0%Denial rate-3.81 pts vs state
18.1%Decision denial rate-6.87 pts vs state
70.4%Origination rate+14.97 pts vs state
6.88%Median rate+0.38 pts vs state
0.22Rate spread (pts)-0.07 pts vs state
$115kMedian applicant income
1,759Loans originated
401Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,314 | 1,557 | 18.6% | 7.38% | #18 |
| 2024 | 2,397 | 1,634 | 18.7% | 7.75% | #18 |
| 2025 | 2,500 | 1,759 | 16.0% | 6.88% | #20 |
What Cadence Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Cadence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 702 | 510 | 91 | 13.0% |
| Madison County | 233 | 157 | 43 | 18.5% |
| Baldwin County | 229 | 173 | 16 | 7.0% |
| Shelby County | 206 | 151 | 24 | 11.7% |
| Mobile County | 195 | 135 | 33 | 16.9% |
| Tuscaloosa County | 170 | 126 | 18 | 10.6% |
| Lee County | 85 | 60 | 11 | 12.9% |
| Marshall County | 84 | 59 | 17 | 20.2% |
| Clarke County | 65 | 44 | 16 | 24.6% |
| St. Clair County | 58 | 39 | 10 | 17.2% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 2,500 applications in 2025, of which 1,759 were originated and 401 denied.
16.0% of all applications, or 18.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Cadence Bank originated in Alabama in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Cadence Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology