Cadence Bank in North Carolina vs the state
8.7%Denial rate-9.36 pts vs state
10.5%Decision denial rate-12.29 pts vs state
73.9%Origination rate+16.10 pts vs state
6.50%Median rate0.00 pts vs state
0.27Rate spread (pts)+0.18 pts vs state
$273kMedian applicant income
17Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 18 | 4.4% | 6.38% | #489 |
| 2024 | 27 | 20 | 14.8% | 6.88% | #466 |
| 2025 | 23 | 17 | 8.7% | 6.50% | #504 |
What Cadence Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Cadence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 3 | 3 | 0 | 0.0% |
| Forsyth County | 2 | 2 | 0 | 0.0% |
| Brunswick County | 2 | 1 | 1 | 50.0% |
| Wake County | 2 | 1 | 0 | 0.0% |
| Gaston County | 2 | 2 | 0 | 0.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Carteret County | 1 | 1 | 0 | 0.0% |
| Person County | 1 | 1 | 0 | 0.0% |
| Pitt County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 23 applications in 2025, of which 17 were originated and 2 denied.
8.7% of all applications, or 10.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Cadence Bank originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Cadence Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology