Cadence Lending Group at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
95th0.7% deniedPricingmedian rate spread over APOR, weight 30%
70th0.11 ptsProcesswithdrawn + incomplete share, weight 15%
87th2.6%Closing coststotal loan costs ÷ loan amount, weight 10%
9th4.07% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 401 | 343 | 1.5% | 1.5% | 6.50% | $100M |
| 2024 | 443 | 361 | 1.6% | 1.6% | 6.38% | $108M |
| 2025 | 418 | 357 | 0.7% | 0.7% | 6.25% | $108M |
What Cadence Lending Group lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 20 investment properties.
Why Cadence Lending Group denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cadence Lending Group
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 176 | 152 | 1.7% |
| $100k – $150k | 126 | 104 | 0.0% |
| $150k – $250k | 63 | 55 | 0.0% |
| Over $250k | 39 | 35 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 33 | 30 | 0.0% |
| 25–34 | 142 | 119 | 0.0% |
| 35–44 | 112 | 96 | 0.9% |
| 45–54 | 63 | 52 | 1.6% |
| 55–64 | 50 | 44 | 2.0% |
Where Cadence Lending Group lends
2 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 406 | 349 | 0.7% | 6.25% | #295 |
| New Mexico | 12 | 8 | 0.0% | 6.44% | #241 |
Frequently asked questions
Cadence Lending Group denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
The most common reason Cadence Lending Group gave in 2025 was "debt-to-income ratio", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Cadence Lending Group originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 94% of its applications were for home purchases, 6% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 36% conventional, 39% FHA, 25% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.