Lender Register

Lenders › Cadence Bank › Texas

Cadence Bank in Texas

HMDA record for properties in Texas, calendar year 2024. National record · Texas overview

LEI Q7C315HKI8VX0SSKBS64
Reporting agency Consumer Financial Protection Bureau
State Texas

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.

Cadence Bank's 2024 HMDA record for Texas covers 4,561 applications, 3,003 of them originated, worth $1.5bn.

Its denial rate in the state was 19.1%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 21.0%.

The median rate spread on its Texas originations was 0.2 percentage points (state median 0.2).

Applications in the state were up 8% on 2023.

4,561applications in TX, 202423.8% of the lender's total
3,003loans originated$1.5bn
19.1%denial rateTX all lenders 26.0%
0.2 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersCadence Bank, all statesUnited States
Denial rate19.1%26.0%21.0%24.3%
Median rate spread, pp0.20.20.30.3
Originations with spread of 1.5 pp or more1.0%11.8%1.9%15.6%
Average originated loan$484k$350k$287k$329k
Home purchase share77.0%72.8%53.2%57.0%
FHA-insured share6.0%19.8%8.3%13.4%
VA-guaranteed share2.6%10.4%1.9%7.9%

Trend by year

ApplicationsOriginations

02509.55,0192022: 5,019 Applications2023: 4,209 Applications2024: 4,561 Applications2022: 3,317 Originations2023: 2,752 Originations2024: 3,003 Originations202220232024
Cadence Bank in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%13.9%27.9%2022: 15.5% This lender in state2023: 18.2% This lender in state2024: 19.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 77% (2,311)Home improvement 1% (21)Refinancing 6% (178)Cash-out refinancing 1% (37)Other purpose 15% (456)

By type

Conventional 91% (2,743)FHA 6% (180)VA 3% (77)USDA 0% (3)

Denial reasons as coded

Debt-to-income ratio49.8%
Credit history14.7%
Credit application incomplete13.1%
Collateral8.6%
Other7.3%
Insufficient cash (downpayment, closing costs)3.6%
Unverifiable information1.9%
Employment history1%
Mortgage insurance denied0%

Share of 723 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Harris County1,158788$434m15.6%
Dallas County353245$169m15.3%
Travis County290210$113m14.5%
Montgomery County262192$131m14.3%
Bell County277179$57m20.3%
Fort Bend County191121$66m24.1%
Collin County174115$70m19.7%
Williamson County12983$30m20.7%
Smith County12278$27m24.8%
Tarrant County10669$36m20.5%
Brazoria County10369$19m9.0%
Nacogdoches County10564$11m23.9%
Gregg County9263$14m17.7%
McLennan County10160$15m28.4%
Bowie County8955$8.8m26.3%
Grayson County7547$20m24.2%
Angelina County7241$7.1m33.3%
Denton County5940$23m18.4%
Galveston County4735$16m5.4%
Harrison County5634$6.1m26.1%
Hays County4833$13m21.4%
Burnet County6531$11m34.7%
Coryell County5930$7.4m31.1%
Lampasas County5729$9.1m29.5%
Bexar County3321$12m22.2%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Cadence Bank originate in Texas in 2024?

3,003 loans totalling $1.5bn, from 4,561 applications reported for properties in Texas.

What is Cadence Bank's denial rate in Texas?

19.1% of decided applications in Texas were denied, against 26.0% 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 Texas counties does Cadence Bank lend in most?

By originations: Harris County (788), Dallas County (245), Travis County (210), Montgomery County (192), Bell County (179).

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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.