Lenders › Cadence Bank › Arkansas
Cadence Bank in Arkansas
HMDA record for properties in Arkansas, calendar year 2024. National record · Arkansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Arkansas, Cadence Bank reported 1,331 applications and 879 originations for 2024, $167m in all.
Its denial rate in the state was 23.0%, below the Arkansas rate of 25.0% across all lenders and compared with the lender's national rate of 21.0%.
The median rate spread on its Arkansas originations was 0.3 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Arkansas | Arkansas, all lenders | Cadence Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.0% | 25.0% | 21.0% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.2% | 17.6% | 1.9% | 15.6% |
| Average originated loan | $190k | $220k | $287k | $329k |
| Home purchase share | 38.8% | 60.8% | 53.2% | 57.0% |
| FHA-insured share | 8.8% | 15.3% | 8.3% | 13.4% |
| VA-guaranteed share | 0.8% | 9.5% | 1.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateArkansas, all lenders
Loan purpose and loan type in Arkansas
By purpose
Home purchase 39% (341)Home improvement 2% (14)Refinancing 30% (263)Cash-out refinancing 3% (24)Other purpose 27% (237)
By type
Conventional 90% (791)FHA 9% (77)VA 1% (7)USDA 0% (4)
Denial reasons as coded
Share of 271 denials in Arkansas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Arkansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Sebastian County | 217 | 140 | $19m | 21.5% |
| Pulaski County | 183 | 126 | $39m | 20.2% |
| Craighead County | 104 | 67 | $7.6m | 22.8% |
| Benton County | 85 | 65 | $17m | 10.7% |
| Crawford County | 68 | 47 | $5.1m | 20.0% |
| Greene County | 52 | 43 | $4.4m | 8.2% |
| Faulkner County | 56 | 35 | $7.2m | 28.8% |
| Union County | 47 | 30 | $3.5m | 28.6% |
| Hempstead County | 43 | 30 | $2.7m | 21.1% |
| Miller County | 42 | 29 | $14m | 17.1% |
| Ouachita County | 44 | 25 | $2.2m | 34.1% |
| Saline County | 30 | 22 | $7.3m | 21.4% |
| Washington County | 27 | 21 | $5.5m | — |
| Randolph County | 27 | 21 | $1.6m | 16.0% |
| Garland County | 29 | 20 | $9.5m | — |
| Lonoke County | 29 | 19 | $2.3m | — |
| Arkansas County | 26 | 15 | $1.8m | 38.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Cadence Bank originate in Arkansas in 2024?
879 loans totalling $167m, from 1,331 applications reported for properties in Arkansas.
What is Cadence Bank's denial rate in Arkansas?
23.0% of decided applications in Arkansas were denied, against 25.0% for all lenders in the state and 21.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Arkansas counties does Cadence Bank lend in most?
By originations: Sebastian County (140), Pulaski County (126), Craighead County (67), Benton County (65), Crawford County (47).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Arkansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.