Lender in Florida · HMDA 2025
Cadence Bank mortgages in Florida
Cadence Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Cadence Bank originated 204 owner-occupied single-family loans in Florida from 233 completed applications.
Its median conventional purchase loan costs were $6,300 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.75% (Florida: 6.625%).
Loans in FL
204
of 233 applications
Denial rate
8.4%
Purchase · FL 12.8%
Rate spread
+0.23 pts
Conv. · FL +0.14 pts
Loan amount
$375,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 215 | 196 | 8.4% | 6.750% | +0.23 pts | $6,300 | $375,000 |
| Refinance | 8 | 4 | — | — | — | — | — |
| Cash-out refinance | 10 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Cadence Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Walton County | 11 | 22 | 1.3% |
| Bay County | 16 | 39 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology