Cadence Bank in Tennessee vs the state
16.9%Denial rate-0.27 pts vs state
19.3%Decision denial rate-2.38 pts vs state
68.9%Origination rate+10.79 pts vs state
6.75%Median rate+0.13 pts vs state
0.16Rate spread (pts)-0.07 pts vs state
$110kMedian applicant income
1,772Loans originated
434Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,009 | 1,368 | 18.4% | 7.50% | #31 |
| 2024 | 2,203 | 1,560 | 17.1% | 7.75% | #32 |
| 2025 | 2,573 | 1,772 | 16.9% | 6.75% | #31 |
What Cadence Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Cadence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 752 | 537 | 124 | 16.5% |
| Davidson County | 404 | 290 | 47 | 11.6% |
| Madison County | 196 | 128 | 45 | 23.0% |
| Fayette County | 188 | 126 | 37 | 19.7% |
| Williamson County | 186 | 129 | 32 | 17.2% |
| Gibson County | 111 | 68 | 25 | 22.5% |
| Tipton County | 98 | 77 | 15 | 15.3% |
| Hamilton County | 84 | 46 | 25 | 29.8% |
| McNairy County | 73 | 62 | 8 | 11.0% |
| Bradley County | 55 | 40 | 6 | 10.9% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 2,573 applications in 2025, of which 1,772 were originated and 434 denied.
16.9% of all applications, or 19.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Cadence Bank originated in Tennessee in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are Cadence Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology