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Cadence Lending Group

Independent Mortgage CompanyEl Paso, TXHQDirectReviews near you on Google

Cadence Lending Group has 360 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Regional · 1 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Cadence Lending Group performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+30.9 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Exceptional
Top 5% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume112
Mix31.1%
Spread
+0.508%Above
Fees
$3,998Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume152
Mix42.2%
Spread
+0.590%Above
Fees
$3,920Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume96
Mix26.7%
Spread
-0.358%Below
Fees
$3,351Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume351
Mix97.5%
Spread
+0.306%Above
Fees
$3,788Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
360
Applications
442
Volume
$107 million
Pricing & Closing
Avg Rate Spread
+0.309%
vs. market APOR
Avg Net Fees
$3,794
Origination − Credits
Pullthrough Rate
81.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$299,750
Avg Borrower Income
$128,100
Avg Property Value
$338,944

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX
West1
NM

Top Metro Areas by Place Specialization Score

Volume 350Mix 97.22% of portfolio
96/100
Exceptional

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 350Mix 97.22% of portfolio
75/100
Strong
New Mexico
New Mexico
2
New MexicoState
Volume 10Mix 2.78% of portfolio
42/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.