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Cadence Bank
Bank|Tupelo, MS|Multi-Region
Loans Originated
6,168
Applications
8,799
Volume
$2 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐USDA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.171%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,109
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Report Card
Cadence Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 50 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$429,102
Average Borrower Income
$200,976
Average Property Value
$538,093
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 4,088 | 66.3% | +0.149% | $2,159 |
FHA Loans | Strong | Exceptional | Strong | Strong | 1,027 | 16.7% | +0.343% | $1,898 |
VA Loans | Strong | Strong | Sound | Strong | 233 | 3.8% | -0.322% | $1,928 |
Jumbo Loans | Sound | Exceptional | Mediocre | Strong | 735 | 11.9% | +0.212% | $2,252 |
USDA Loans | Strong | Exceptional | Strong | Strong | 85 | 1.4% | +0.206% | $1,747 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 5,624 | 91.2% | +0.145% | $2,128 |
Refinance | Sound | Strong | Acceptable | Sound | 544 | 8.8% | +0.391% | $1,952 |
Geographic Coverage
Metro Areas
49
States Served
19
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCOFLGAILINKYLAMOMSNCNEOKSCTNTXVA
Top Metro Areas by Place Specialization Score
1
Jackson, MS, MSMSA
Volume: 450Mix: 7.30%
Place Specialization
Exceptional
2
Birmingham, AL, ALMSA
Volume: 339Mix: 5.50%
Place Specialization
Exceptional
3
Houston, TXMSA
Volume: 926Mix: 15.01%
Place Specialization
Exceptional
4
Memphis, TNMSA
Volume: 421Mix: 6.83%
Place Specialization
Exceptional
5
Gulfport, MSMSA
Volume: 158Mix: 2.56%
Place Specialization
Exceptional
6
Shreveport, LAMSA
Volume: 96Mix: 1.56%
Place Specialization
Exceptional
7
Killeen, TXMSA
Volume: 133Mix: 2.16%
Place Specialization
Strong
8
Springfield, MO, MOMSA
Volume: 123Mix: 1.99%
Place Specialization
Strong
9
Dallas, TXMSA
Volume: 345Mix: 5.59%
Place Specialization
Strong
10
Austin, TXMSA
Volume: 208Mix: 3.37%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
MSState
Volume: 1,336Mix: 21.66%
Place Specialization
Exceptional
2
ALState
Volume: 756Mix: 12.26%
Place Specialization
Exceptional
3
TXState
Volume: 2,034Mix: 32.98%
Place Specialization
Exceptional
4
TNState
Volume: 681Mix: 11.04%
Place Specialization
Exceptional
5
ARState
Volume: 311Mix: 5.04%
Place Specialization
Strong
6
LAState
Volume: 235Mix: 3.81%
Place Specialization
Strong
7
GAState
Volume: 282Mix: 4.57%
Place Specialization
Strong
8
MOState
Volume: 175Mix: 2.84%
Place Specialization
Strong
9
FLState
Volume: 236Mix: 3.83%
Place Specialization
Strong
10
SCState
Volume: 52Mix: 0.84%
Place Specialization
Sound
Showing 10 of 13 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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