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Cadence Lending Group, Inc.

Independent Mortgage CompanyEL PASO, TXDirect to Consumer

Cadence Lending Group has 360 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Strong
FHA · Conventional · VA
Place
Exceptional
Regional · 1 mkts
Safe Rate AwardsVA Superstar

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Safe Rate's 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

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Report Card

Cadence Lending Group, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+30.9 bps above market avg
Pull Through
Closing strength
Exceptional
Market Leader
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Exceptional
Market Leader
Top 5% of lenders
Regional1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Sound
Mediocre
Strong
11231.1%
+0.508%Above
$3,998Fees
FHA Loans
Sound
Strong
Acceptable
Exceptional
15242.2%
+0.590%Above
$3,920Fees
VA Loans
Strong
Strong
Sound
Exceptional
9626.7%
-0.358%Below
$3,351Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Acceptable
Exceptional
35197.5%
+0.306%Above
$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
States Served
2
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

NMTX

Top Metro Areas by Place Specialization Score

1
El Paso, TX, TXMSA
Volume: 350Mix: 97.22%of portfolio
Place
Exceptional

Top States by Place Specialization Score

1
TXState
Volume: 350Mix: 97.22%of portfolio
Place
Strong
2
NMState
Volume: 10Mix: 2.78%of portfolio
Place
Sound

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.