Lender in Texas · HMDA 2025
Cadence Bank mortgages in Texas
Cadence Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Cadence Bank originated 2,577 owner-occupied single-family loans in Texas from 2,896 completed applications.
Its median conventional purchase loan costs were $8,110 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.125% (Texas: 6.50%).
Loans in TX
2,577
of 2,896 applications
Denial rate
8.3%
Purchase · TX 10.2%
Rate spread
+0.06 pts
Conv. · TX +0.09 pts
Loan amount
$405,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,659 | 2,416 | 8.3% | 6.125% | +0.06 pts | $8,110 | $405,000 |
| Refinance | 171 | 118 | 28.6% | 6.375% | +0.22 pts | $5,550 | $425,000 |
| Cash-out refinance | 66 | 43 | 34.8% | 6.750% | +0.35 pts | $6,680 | $335,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Cadence Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Nacogdoches County | 3 | 37 | 8.5% |
| Llano County | 4 | 9 | 3.8% |
| Harrison County | 7 | 24 | 3.9% |
| Lampasas County | 7 | 12 | 3.2% |
| Harris County | 8 | 854 | 1.9% |
| Gregg County | 10 | 25 | 1.9% |
| Travis County | 12 | 227 | 1.6% |
| Burnet County | 12 | 18 | 2.0% |
| Washington County | 12 | 9 | 2.2% |
| Hamilton County | 12 | 2 | 2.6% |
| Smith County | 13 | 55 | 1.9% |
| Bell County | 14 | 118 | 1.6% |
| Angelina County | 14 | 11 | 1.7% |
| Jack County | 14 | 2 | 2.1% |
| Brazoria County | 15 | 92 | 1.5% |
| Fayette County | 16 | 3 | 1.7% |
| Montgomery County | 18 | 175 | 1.2% |
| Fannin County | 18 | 6 | 1.2% |
| DeWitt County | 18 | 2 | 1.7% |
| Dallas County | 20 | 213 | 1.0% |
| Wharton County | 20 | 4 | 1.3% |
| San Saba County | 20 | 1 | 4.0% |
| Coryell County | 21 | 14 | 1.3% |
| Aransas County | 21 | 4 | 1.1% |
| Grimes County | 22 | 5 | 1.2% |
| Grayson County | 23 | 34 | 1.3% |
| Bowie County | 23 | 9 | 1.1% |
| Fort Bend County | 24 | 114 | 0.9% |
| Houston County | 24 | 2 | 1.7% |
| Lavaca County | 24 | 2 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology