Cadence Bank in Missouri vs the state
14.0%Denial rate-1.10 pts vs state
16.4%Decision denial rate-2.31 pts vs state
67.7%Origination rate+5.08 pts vs state
7.00%Median rate+0.38 pts vs state
0.28Rate spread (pts)-0.07 pts vs state
$94kMedian applicant income
485Loans originated
100Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 541 | 377 | 14.2% | 7.38% | #71 |
| 2024 | 640 | 412 | 18.4% | 7.75% | #72 |
| 2025 | 716 | 485 | 14.0% | 7.00% | #71 |
What Cadence Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Cadence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 353 | 251 | 42 | 11.9% |
| Christian County | 117 | 72 | 21 | 17.9% |
| St. Louis County | 79 | 50 | 12 | 15.2% |
| Webster County | 27 | 17 | 9 | 33.3% |
| St. Louis city | 19 | 13 | 2 | 10.5% |
| Stone County | 16 | 9 | 2 | 12.5% |
| Lawrence County | 16 | 14 | 2 | 12.5% |
| Taney County | 14 | 9 | 0 | 0.0% |
| Jasper County | 9 | 6 | 1 | 11.1% |
| Polk County | 7 | 6 | 0 | 0.0% |
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: 716 applications in 2025, of which 485 were originated and 100 denied.
14.0% of all applications, or 16.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Cadence Bank originated in Missouri in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Cadence Bank'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