Cadence Bank in Georgia vs the state
22.1%Denial rate+2.85 pts vs state
26.0%Decision denial rate+0.89 pts vs state
61.0%Origination rate+6.94 pts vs state
6.88%Median rate+0.25 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$103kMedian applicant income
614Loans originated
222Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 926 | 537 | 23.5% | 7.25% | #83 |
| 2024 | 953 | 590 | 22.3% | 7.38% | #89 |
| 2025 | 1,006 | 614 | 22.1% | 6.88% | #93 |
What Cadence Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Cadence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 141 | 87 | 28 | 19.9% |
| Bibb County | 95 | 62 | 18 | 18.9% |
| Houston County | 70 | 35 | 19 | 27.1% |
| Richmond County | 69 | 48 | 10 | 14.5% |
| Columbia County | 57 | 36 | 9 | 15.8% |
| DeKalb County | 57 | 35 | 11 | 19.3% |
| Chatham County | 52 | 35 | 6 | 11.5% |
| Gwinnett County | 43 | 29 | 9 | 20.9% |
| Cobb County | 40 | 23 | 8 | 20.0% |
| Catoosa County | 37 | 22 | 8 | 21.6% |
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: 1,006 applications in 2025, of which 614 were originated and 222 denied.
22.1% of all applications, or 26.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Cadence Bank originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Cadence Bank'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