Lender in Alabama · HMDA 2025
Cadence Bank mortgages in Alabama
Cadence Bank's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
Cadence Bank originated 846 owner-occupied single-family loans in Alabama from 955 completed applications, making it the state's #18 lender by volume.
Its median conventional purchase loan costs were $4,250 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.50% (Alabama: 6.562%).
Loans in AL
846
of 955 applications
Denial rate
7.8%
Purchase · AL 9.1%
Rate spread
+0.13 pts
Conv. · AL +0.17 pts
Loan amount
$305,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 854 | 782 | 7.8% | 6.500% | +0.13 pts | $4,250 | $305,000 |
| Refinance | 56 | 41 | 26.8% | — | +0.17 pts | $4,060 | $285,000 |
| Cash-out refinance | 45 | 23 | 48.9% | — | — | — | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where Cadence Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clarke County | 2 | 22 | 13.8% |
| Washington County | 3 | 7 | 6.0% |
| Jefferson County | 5 | 299 | 3.8% |
| Butler County | 9 | 4 | 3.5% |
| Tuscaloosa County | 10 | 73 | 2.9% |
| Marengo County | 10 | 3 | 2.8% |
| Baldwin County | 12 | 78 | 1.6% |
| Pickens County | 13 | 3 | 2.2% |
| Shelby County | 14 | 91 | 2.2% |
| Jackson County | 18 | 7 | 1.3% |
| Monroe County | 19 | 2 | 1.5% |
| Sumter County | 20 | 1 | 2.5% |
| Mobile County | 21 | 61 | 1.3% |
| St. Clair County | 21 | 25 | 1.5% |
| Wilcox County | 21 | 1 | 2.9% |
| Choctaw County | 22 | 1 | 2.3% |
| Blount County | 23 | 7 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology