Cadence Bank in Oklahoma vs the state
11.1%Denial rate-6.81 pts vs state
12.9%Decision denial rate-9.97 pts vs state
75.0%Origination rate+18.90 pts vs state
6.67%Median rate+0.04 pts vs state
0.29Rate spread (pts)-0.06 pts vs state
$94kMedian applicant income
27Loans originated
4Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 25 | 20.0% | 7.00% | #242 |
| 2024 | 41 | 27 | 19.5% | 6.88% | #256 |
| 2025 | 36 | 27 | 11.1% | 6.67% | #287 |
What Cadence Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Cadence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 8 | 6 | 1 | 12.5% |
| Sequoyah County | 8 | 5 | 1 | 12.5% |
| Le Flore County | 5 | 3 | 1 | 20.0% |
| McCurtain County | 3 | 3 | 0 | 0.0% |
| Delaware County | 3 | 3 | 0 | 0.0% |
| Tulsa County | 2 | 1 | 0 | 0.0% |
| Logan County | 1 | 1 | 0 | 0.0% |
| Ottawa County | 1 | 1 | 0 | 0.0% |
| Carter County | 1 | 1 | 0 | 0.0% |
| Kay County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 36 applications in 2025, of which 27 were originated and 4 denied.
11.1% of all applications, or 12.9% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Cadence Bank originated in Oklahoma in 2025 was 6.67%, against a statewide median of 6.63%.
About this data. Figures are Cadence Bank's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology