Lender in Mississippi · HMDA 2025
Cadence Bank mortgages in Mississippi
Cadence Bank's 2025 home-purchase and refinance lending in Mississippi, compared with all lenders in the state.
Cadence Bank originated 1,364 owner-occupied single-family loans in Mississippi from 1,614 completed applications, making it the state's #3 lender by volume.
Its median conventional purchase loan costs were $4,720 versus $4,460 for all Mississippi lenders, at a median 30-year fixed rate of 6.625% (Mississippi: 6.625%).
Loans in MS
1,364
of 1,614 applications
Denial rate
10.4%
Purchase · MS 11.3%
Rate spread
+0.22 pts
Conv. · MS +0.26 pts
Loan amount
$255,000
Purchase · MS $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,364 | 1,205 | 10.4% | 6.625% | +0.22 pts | $4,720 | $255,000 |
| Refinance | 130 | 90 | 30.8% | 6.500% | +0.40 pts | $4,090 | $225,000 |
| Cash-out refinance | 120 | 69 | 40.8% | 7.125% | +0.64 pts | $4,590 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Mississippi counties where Cadence Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 53.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Oktibbeha County | 1 | 75 | 19.8% |
| Bolivar County | 1 | 26 | 15.7% |
| Winston County | 1 | 20 | 18.5% |
| Chickasaw County | 1 | 13 | 15.5% |
| Rankin County | 2 | 176 | 7.3% |
| Hinds County | 2 | 136 | 8.8% |
| Lee County | 2 | 92 | 10.0% |
| Grenada County | 2 | 22 | 13.9% |
| Warren County | 3 | 23 | 7.0% |
| Itawamba County | 3 | 22 | 11.2% |
| Pontotoc County | 3 | 20 | 8.1% |
| Montgomery County | 3 | 6 | 11.3% |
| Choctaw County | 3 | 5 | 11.4% |
| Noxubee County | 3 | 2 | 12.5% |
| Madison County | 4 | 107 | 6.4% |
| Lowndes County | 4 | 41 | 6.9% |
| Lamar County | 4 | 36 | 4.1% |
| Forrest County | 4 | 34 | 4.4% |
| Lafayette County | 4 | 33 | 5.1% |
| Prentiss County | 4 | 14 | 7.7% |
| DeSoto County | 5 | 135 | 4.1% |
| Union County | 5 | 12 | 5.5% |
| Stone County | 5 | 9 | 4.9% |
| Clay County | 5 | 6 | 5.1% |
| Quitman County | 5 | 2 | 10.5% |
| Alcorn County | 6 | 15 | 5.5% |
| Webster County | 6 | 3 | 4.5% |
| Jones County | 7 | 15 | 2.8% |
| Monroe County | 7 | 11 | 3.9% |
| Tishomingo County | 7 | 6 | 3.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology