Cadence Bank in South Carolina vs the state
14.5%Denial rate-3.82 pts vs state
16.1%Decision denial rate-7.34 pts vs state
75.4%Origination rate+18.75 pts vs state
6.38%Median rate-0.13 pts vs state
0.12Rate spread (pts)-0.10 pts vs state
$120kMedian applicant income
52Loans originated
10Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 28 | 14.6% | 6.38% | #345 |
| 2024 | 80 | 59 | 10.0% | 6.50% | #269 |
| 2025 | 69 | 52 | 14.5% | 6.38% | #298 |
What Cadence Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Cadence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aiken County | 36 | 26 | 7 | 19.4% |
| Edgefield County | 13 | 9 | 1 | 7.7% |
| Greenville County | 4 | 2 | 1 | 25.0% |
| Anderson County | 4 | 3 | 1 | 25.0% |
| Beaufort County | 3 | 3 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Horry County | 1 | 1 | 0 | 0.0% |
| Greenwood County | 1 | 1 | 0 | 0.0% |
| Spartanburg County | 1 | 1 | 0 | 0.0% |
| York County | 1 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 69 applications in 2025, of which 52 were originated and 10 denied.
14.5% of all applications, or 16.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Cadence Bank originated in South Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Cadence Bank's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology