Cadence Bank in Texas vs the state
15.0%Denial rate-4.48 pts vs state
17.9%Decision denial rate-6.96 pts vs state
66.5%Origination rate+11.63 pts vs state
6.50%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.05 pts vs state
$160kMedian applicant income
3,639Loans originated
818Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,209 | 2,752 | 14.9% | 6.75% | #45 |
| 2024 | 4,561 | 3,003 | 15.9% | 6.75% | #40 |
| 2025 | 5,471 | 3,639 | 15.0% | 6.50% | #32 |
What Cadence Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Cadence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,520 | 1,030 | 182 | 12.0% |
| Travis County | 395 | 279 | 29 | 7.3% |
| Dallas County | 387 | 263 | 49 | 12.7% |
| Bell County | 298 | 192 | 58 | 19.5% |
| Montgomery County | 298 | 226 | 31 | 10.4% |
| Fort Bend County | 214 | 152 | 29 | 13.6% |
| Collin County | 208 | 141 | 31 | 14.9% |
| Brazoria County | 145 | 101 | 16 | 11.0% |
| Williamson County | 136 | 96 | 16 | 11.8% |
| Smith County | 127 | 90 | 18 | 14.2% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 5,471 applications in 2025, of which 3,639 were originated and 818 denied.
15.0% of all applications, or 17.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Cadence Bank originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology