Lender in Tennessee · HMDA 2025
Cadence Bank mortgages in Tennessee
Cadence Bank's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Cadence Bank originated 931 owner-occupied single-family loans in Tennessee from 1,045 completed applications, making it the state's #24 lender by volume.
Its median conventional purchase loan costs were $5,080 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.25% (Tennessee: 6.624%).
Loans in TN
931
of 1,045 applications
Denial rate
7.0%
Purchase · TN 7.7%
Rate spread
−0.19 pts
Conv. · TN +0.11 pts
Loan amount
$325,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 921 | 848 | 7.0% | 6.250% | −0.19 pts | $5,080 | $325,000 |
| Refinance | 48 | 35 | 25.0% | — | +0.18 pts | $4,750 | $345,000 |
| Cash-out refinance | 76 | 48 | 36.8% | 6.250% | +0.48 pts | $4,020 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Cadence Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fayette County | 1 | 86 | 10.2% |
| Lauderdale County | 4 | 11 | 5.3% |
| Shelby County | 5 | 347 | 4.2% |
| McNairy County | 7 | 15 | 4.9% |
| Gibson County | 8 | 28 | 3.9% |
| Tipton County | 8 | 27 | 3.0% |
| Haywood County | 8 | 6 | 3.8% |
| Polk County | 8 | 6 | 3.2% |
| Madison County | 9 | 36 | 3.1% |
| Crockett County | 9 | 6 | 3.4% |
| Lake County | 9 | 2 | 4.1% |
| Davidson County | 12 | 184 | 1.8% |
| Bradley County | 12 | 36 | 2.2% |
| Dyer County | 12 | 9 | 2.3% |
| Obion County | 16 | 5 | 1.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology