Purchase Originations
6,590
Ranked #71 nationally
Median Total Costs
$6,334
−5.2% vs national ($6,680)
↑ $119 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,545
Median Lender Credits
$189
Cost Rank (500+ vol.)
#312
among lenders with 500+ originations
Denial Rate
7.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,264 | 6.375% | $5,807 | $1,602 |
| fha | 976 | 6.250% | $8,953 | $1,370 |
| va | 255 | 6.250% | $5,886 | $1,228 |
| usda | 95 | 6.250% | $6,203 | $1,295 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 2,423 | 6.250% | $8,519 | #21 |
| Mississippi | 1,217 | 6.375% | $5,680 | #2 |
| Tennessee | 854 | 6.250% | $5,449 | #17 |
| Alabama | 784 | 6.375% | $4,651 | #16 |
| Arkansas | 297 | 6.625% | $4,273 | #21 |
| Georgia | 284 | 6.375% | $8,027 | #81 |
| Louisiana | 232 | 6.500% | $5,774 | #34 |
| Missouri | 212 | 6.625% | $4,252 | #54 |
| Florida | 197 | 6.500% | $6,783 | #163 |
| South Carolina | 39 | 6.250% | $7,990 | — |
| North Carolina | 14 | 6.312% | $6,799 | — |
| Colorado | 12 | 6.438% | $8,192 | — |
| Oklahoma | 12 | 6.375% | $5,972 | — |
| Kentucky | 5 | 6.500% | $5,503 | — |
| Illinois | 2 | 6.562% | $3,902 | — |
| Iowa | 1 | 6.500% | $2,991 | — |
| Idaho | 1 | 5.875% | $21,884 | — |
| Indiana | 1 | 6.500% | $3,428 | — |
| Kansas | 1 | 6.250% | $3,192 | — |
| Ohio | 1 | 6.250% | $6,098 | — |
| Virginia | 1 | 5.875% | $10,378 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,825 | 6.750% | — | 103 | −$2,509 | |
| 2 | $4,306 | 6.375% | — | 85 | −$2,028 | |
| 3 | $4,424 | 6.250% | — | 281 | −$1,910 | |
| 4 | $4,695 | 6.500% | — | 81 | −$1,639 | |
| 5 | $4,956 | 6.375% | — | 83 | −$1,378 | |
| 6 | $5,208 | 6.000% | — | 171 | −$1,126 | |
| 7 | $5,294 | 6.375% | — | 80 | −$1,040 | |
| 8 | $5,490 | 6.250% | — | 322 | −$844 | |
| 9 | $5,906 | 6.125% | — | 125 | −$428 | |
| 10 | $5,913 | 6.375% | — | 96 | −$421 | |
| 11 | $6,990 | 6.290% | — | 165 | +$656 | |
| 12 | $7,017 | 6.332% | — | 124 | +$683 | |
| 13 | $7,476 | 6.125% | — | 109 | +$1,142 | |
| 14 | $7,703 | 6.000% | — | 212 | +$1,369 | |
| 15 | $8,140 | 6.125% | — | 824 | +$1,806 | |
| 16 | $8,188 | 6.250% | — | 91 | +$1,854 | |
| 17 | $8,281 | 5.875% | — | 108 | +$1,947 | |
| 18 | $8,644 | 6.500% | — | 197 | +$2,310 | |
| 19 | $10,474 | 6.500% | — | 173 | +$4,140 | |
| 20 | $11,446 | 6.500% | — | 103 | +$5,112 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Cadence Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,334 | $7,127 | −$793 (−11.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.