Cadence Bank, N.A. Mortgage Lending & HMDA Data, 2020
In 2020, Cadence Bank, N.A. of Birmingham, AL reported 3,831 mortgage applications totaling $1.2 billion, down 8% from 2019. The average application was for $316,634, and applicants reported an average income of $183,713. 64% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (1,103), Birmingham-Hoover, AL (367) and Atlanta-Sandy Springs-Roswell, GA (339) (applications in parentheses).
| Mortgage Company & Address | Cadence Bank, N.A. 2100 3rd Ave N Birmingham, AL 35203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 |
| Total Number of Mortgage Applications | 3,831 |
| Total Mortgage Loan Application Amount | $1,213,025,000 |
| Average Mortgage Loan Application Amount | $316,634 |
| Highest Mortgage Loan Application Amount | $9,105,000 |
| Average Applicant Income | $183,713 |
| Highest Applicant Income | $8,299,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cadence Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 736 | $ 337,910,000 | $ 459,116 | $ 268,000 |
| Jefferson, Alabama | 255 | $ 63,065,000 | $ 247,313 | $ 168,000 |
| Tuscaloosa, Alabama | 222 | $ 55,530,000 | $ 250,135 | $ 141,000 |
| Madison, Alabama | 217 | $ 51,765,000 | $ 238,548 | $ 117,000 |
| Fort Bend, Texas | 165 | $ 46,805,000 | $ 283,666 | $ 120,000 |
| Oktibbeha, Mississippi | 164 | $ 43,060,000 | $ 262,560 | $ 138,000 |
| Montgomery, Texas | 148 | $ 41,540,000 | $ 280,675 | $ 155,000 |
| Fulton, Georgia | 139 | $ 51,665,000 | $ 371,690 | $ 192,000 |
| Shelby, Alabama | 75 | $ 19,645,000 | $ 261,933 | $ 161,000 |
| Montgomery, Alabama | 65 | $ 9,535,000 | $ 146,692 | $ 56,000 |
| Bibb, Georgia | 64 | $ 10,110,000 | $ 157,968 | $ 143,000 |
| Bexar, Texas | 64 | $ 19,020,000 | $ 297,187 | $ 126,000 |
| Clarke, Georgia | 48 | $ 9,060,000 | $ 188,750 | $ 141,000 |
| Shelby, Tennessee | 47 | $ 10,745,000 | $ 228,617 | $ 151,000 |
| DeKalb, Georgia | 45 | $ 12,325,000 | $ 273,888 | $ 118,000 |
| Richmond, Georgia | 44 | $ 7,420,000 | $ 168,636 | $ 115,000 |
| Hillsborough, Florida | 40 | $ 14,080,000 | $ 352,000 | $ 230,000 |
| Pinellas, Florida | 39 | $ 11,615,000 | $ 297,820 | $ 166,000 |
| Sarasota, Florida | 39 | $ 17,915,000 | $ 459,358 | $ 347,000 |
| Gwinnett, Georgia | 38 | $ 9,910,000 | $ 260,789 | $ 170,000 |
| Elmore, Alabama | 37 | $ 8,315,000 | $ 224,729 | $ 157,000 |
| Columbia, Georgia | 36 | $ 5,950,000 | $ 165,277 | $ 123,000 |
| Cobb, Georgia | 35 | $ 10,785,000 | $ 308,142 | $ 169,000 |
| Lowndes, Mississippi | 34 | $ 4,490,000 | $ 132,058 | $ 169,000 |
| Travis, Texas | 30 | $ 20,510,000 | $ 683,666 | $ 471,000 |
| Autauga, Alabama | 27 | $ 3,805,000 | $ 140,925 | $ 53,000 |
| Citrus, Florida | 27 | $ 3,255,000 | $ 120,555 | $ 71,000 |
| Houston, Georgia | 27 | $ 3,365,000 | $ 124,629 | $ 93,000 |
| Etowah, Alabama | 25 | $ 1,895,000 | $ 75,800 | $ 60,000 |
| Dallas, Texas | 25 | $ 15,735,000 | $ 629,400 | $ 303,000 |
| Brazoria, Texas | 24 | $ 5,900,000 | $ 245,833 | $ 140,000 |
| Hernando, Florida | 23 | $ 3,635,000 | $ 158,043 | $ 111,000 |
| Blount, Alabama | 21 | $ 2,385,000 | $ 113,571 | $ 67,000 |
| Manatee, Florida | 21 | $ 8,505,000 | $ 405,000 | $ 135,000 |
| Monroe, Mississippi | 20 | $ 2,780,000 | $ 139,000 | $ 76,000 |
| Pasco, Florida | 18 | $ 2,660,000 | $ 147,777 | $ 135,000 |
| Morgan, Alabama | 17 | $ 2,715,000 | $ 159,705 | $ 88,000 |
| Chatham, Georgia | 17 | $ 4,795,000 | $ 282,058 | $ 192,000 |
| Davidson, Tennessee | 17 | $ 12,385,000 | $ 728,529 | $ 219,000 |
| Tarrant, Texas | 15 | $ 8,925,000 | $ 595,000 | $ 358,000 |
| Limestone, Alabama | 14 | $ 3,190,000 | $ 227,857 | $ 92,000 |
| Jones, Georgia | 14 | $ 1,500,000 | $ 107,142 | $ 65,000 |
| St. Clair, Alabama | 13 | $ 2,915,000 | $ 224,230 | $ 90,000 |
| Miami-Dade, Florida | 13 | $ 8,725,000 | $ 671,153 | $ 246,000 |
| Douglas, Georgia | 13 | $ 3,185,000 | $ 245,000 | $ 58,000 |
| Clay, Mississippi | 13 | $ 2,085,000 | $ 160,384 | $ 82,000 |
| Aiken, South Carolina | 13 | $ 1,515,000 | $ 116,538 | $ 115,000 |
| Collin, Texas | 13 | $ 5,565,000 | $ 428,076 | $ 215,000 |
| Marion, Florida | 12 | $ 2,090,000 | $ 174,166 | $ 80,000 |
| Galveston, Texas | 12 | $ 6,210,000 | $ 517,500 | $ 318,000 |
| Baldwin, Alabama | 11 | $ 5,115,000 | $ 465,000 | $ 346,000 |
| Palm Beach, Florida | 11 | $ 9,245,000 | $ 840,454 | $ 311,000 |
| Liberty, Texas | 11 | $ 2,555,000 | $ 232,272 | $ 95,000 |
| Marshall, Alabama | 10 | $ 2,150,000 | $ 215,000 | $ 176,000 |
| Denver, Colorado | 10 | $ 9,310,000 | $ 931,000 | $ 298,000 |
| Broward, Florida | 10 | $ 8,020,000 | $ 802,000 | $ 313,000 |
| Orange, Florida | 10 | $ 5,050,000 | $ 505,000 | $ 181,000 |
| Paulding, Georgia | 10 | $ 2,070,000 | $ 207,000 | $ 60,000 |
| Cullman, Alabama | 9 | $ 975,000 | $ 108,333 | $ 45,000 |
| Cherokee, Georgia | 9 | $ 1,785,000 | $ 198,333 | $ 105,000 |
| Hall, Georgia | 9 | $ 2,715,000 | $ 301,666 | $ 148,000 |
| Henry, Georgia | 9 | $ 2,525,000 | $ 280,555 | $ 73,000 |
| Liberty, Georgia | 8 | $ 1,410,000 | $ 176,250 | $ 126,000 |
| Monroe, Georgia | 8 | $ 1,660,000 | $ 207,500 | $ 139,000 |
| Denton, Texas | 8 | $ 4,770,000 | $ 596,250 | $ 317,000 |
| Lee, Alabama | 7 | $ 1,355,000 | $ 193,571 | $ 88,000 |
| Talladega, Alabama | 7 | $ 1,105,000 | $ 157,857 | $ 112,000 |
| Collier, Florida | 7 | $ 5,095,000 | $ 727,857 | $ 415,000 |
| Duval, Florida | 7 | $ 2,045,000 | $ 292,142 | $ 131,000 |
| Walton, Florida | 7 | $ 13,635,000 | $ 1,947,857 | $ 1,211,000 |
| Forsyth, Georgia | 7 | $ 1,745,000 | $ 249,285 | $ 150,000 |
| Hale, Alabama | 6 | $ 880,000 | $ 146,666 | $ 97,000 |
| Alachua, Florida | 6 | $ 860,000 | $ 143,333 | $ 266,000 |
| Charlotte, Florida | 6 | $ 1,330,000 | $ 221,666 | $ 64,000 |
| Polk, Florida | 6 | $ 1,680,000 | $ 280,000 | $ 208,000 |
| Carroll, Georgia | 6 | $ 840,000 | $ 140,000 | $ 45,000 |
| Clayton, Georgia | 6 | $ 1,970,000 | $ 328,333 | $ 198,000 |
| Madison, Georgia | 6 | $ 630,000 | $ 105,000 | $ 107,000 |
| McDuffie, Georgia | 6 | $ 770,000 | $ 128,333 | $ 83,000 |
| Webster, Mississippi | 6 | $ 800,000 | $ 133,333 | $ 69,000 |
| Richland, South Carolina | 6 | $ 680,000 | $ 113,333 | $ 0 |
| Covington, Alabama | 5 | $ 395,000 | $ 79,000 | $ 77,000 |
| Brevard, Florida | 5 | $ 2,505,000 | $ 501,000 | $ 275,000 |
| Lee, Florida | 5 | $ 1,385,000 | $ 277,000 | $ 191,000 |
| Seminole, Florida | 5 | $ 775,000 | $ 155,000 | $ 111,000 |
| Fayette, Georgia | 5 | $ 1,325,000 | $ 265,000 | $ 62,000 |
| Madison, Mississippi | 5 | $ 1,805,000 | $ 361,000 | $ 241,000 |
| Williamson, Tennessee | 5 | $ 2,795,000 | $ 559,000 | $ 195,000 |
| Colbert, Alabama | 4 | $ 2,130,000 | $ 532,500 | $ 211,000 |
| Jackson, Alabama | 4 | $ 910,000 | $ 227,500 | $ 83,000 |
| Pickens, Alabama | 4 | $ 380,000 | $ 95,000 | $ 54,000 |
| Walker, Alabama | 4 | $ 780,000 | $ 195,000 | $ 725,000 |
| Douglas, Colorado | 4 | $ 3,810,000 | $ 952,500 | $ 533,000 |
| Bay, Florida | 4 | $ 1,900,000 | $ 475,000 | $ 581,000 |
| Oconee, Georgia | 4 | $ 740,000 | $ 185,000 | $ 89,000 |
| Neshoba, Mississippi | 4 | $ 260,000 | $ 65,000 | $ 35,000 |
| Mecklenburg, North Carolina | 4 | $ 2,610,000 | $ 652,500 | $ 270,000 |
| Fayette, Tennessee | 4 | $ 780,000 | $ 195,000 | $ 52,000 |
| Knox, Tennessee | 4 | $ 1,870,000 | $ 467,500 | $ 152,000 |
| Hays, Texas | 4 | $ 950,000 | $ 237,500 | $ 144,000 |
| McLennan, Texas | 4 | $ 1,900,000 | $ 475,000 | $ 347,000 |
| Parker, Texas | 4 | $ 2,170,000 | $ 542,500 | $ 221,000 |
| Waller, Texas | 4 | $ 1,960,000 | $ 490,000 | $ 175,000 |
| Dallas, Alabama | 3 | $ 375,000 | $ 125,000 | $ 65,000 |
| Tallapoosa, Alabama | 3 | $ 1,145,000 | $ 381,666 | $ 220,000 |
| Winston, Alabama | 3 | $ 925,000 | $ 308,333 | $ 83,000 |
| San Miguel, Colorado | 3 | $ 5,775,000 | $ 1,925,000 | $ 946,000 |
| Lake, Florida | 3 | $ 955,000 | $ 318,333 | $ 115,000 |
| Leon, Florida | 3 | $ 685,000 | $ 228,333 | $ 143,000 |
| Osceola, Florida | 3 | $ 435,000 | $ 145,000 | $ 79,000 |
| Barrow, Georgia | 3 | $ 1,085,000 | $ 361,666 | $ 69,000 |
| Coweta, Georgia | 3 | $ 425,000 | $ 141,666 | $ 73,000 |
| Peach, Georgia | 3 | $ 285,000 | $ 95,000 | $ 64,000 |
| Rockdale, Georgia | 3 | $ 655,000 | $ 218,333 | $ 65,000 |
| Lafayette, Mississippi | 3 | $ 745,000 | $ 248,333 | $ 122,000 |
| Lauderdale, Mississippi | 3 | $ 395,000 | $ 131,666 | $ 67,000 |
| Rankin, Mississippi | 3 | $ 445,000 | $ 148,333 | $ 120,000 |
| Beaufort, South Carolina | 3 | $ 2,815,000 | $ 938,333 | $ 633,000 |
| Hidalgo, Texas | 3 | $ 1,255,000 | $ 418,333 | $ 293,000 |
| Smith, Texas | 3 | $ 865,000 | $ 288,333 | $ 209,000 |
| Williamson, Texas | 3 | $ 1,295,000 | $ 431,666 | $ 123,000 |
| Chilton, Alabama | 2 | $ 220,000 | $ 110,000 | $ 53,000 |
| Coosa, Alabama | 2 | $ 520,000 | $ 260,000 | $ 354,000 |
| Adams, Colorado | 2 | $ 1,050,000 | $ 525,000 | $ 153,000 |
| Arapahoe, Colorado | 2 | $ 1,250,000 | $ 625,000 | $ 222,000 |
| Chaffee, Colorado | 2 | $ 600,000 | $ 300,000 | $ 185,000 |
| Eagle, Colorado | 2 | $ 1,490,000 | $ 745,000 | $ 320,000 |
| Garfield, Colorado | 2 | $ 1,640,000 | $ 820,000 | $ 293,000 |
| La Plata, Colorado | 2 | $ 500,000 | $ 250,000 | $ 192,000 |
| Martin, Florida | 2 | $ 660,000 | $ 330,000 | $ 230,000 |
| Okaloosa, Florida | 2 | $ 1,930,000 | $ 965,000 | $ 265,000 |
| St. Johns, Florida | 2 | $ 1,080,000 | $ 540,000 | $ 240,000 |
| Volusia, Florida | 2 | $ 1,000,000 | $ 500,000 | $ 237,000 |
| Butts, Georgia | 2 | $ 270,000 | $ 135,000 | $ 112,000 |
| Crawford, Georgia | 2 | $ 280,000 | $ 140,000 | $ 131,000 |
| Dooly, Georgia | 2 | $ 30,000 | $ 15,000 | $ 68,000 |
| Glynn, Georgia | 2 | $ 930,000 | $ 465,000 | $ 750,000 |
| Greene, Georgia | 2 | $ 840,000 | $ 420,000 | $ 109,000 |
| Hancock, Georgia | 2 | $ 490,000 | $ 245,000 | $ 237,000 |
| Lincoln, Georgia | 2 | $ 320,000 | $ 160,000 | $ 109,000 |
| Macon, Georgia | 2 | $ 90,000 | $ 45,000 | $ 137,000 |
| Pike, Georgia | 2 | $ 1,610,000 | $ 805,000 | $ 677,000 |
| Putnam, Georgia | 2 | $ 520,000 | $ 260,000 | $ 751,000 |
| Rabun, Georgia | 2 | $ 550,000 | $ 275,000 | $ 387,000 |
| Tattnall, Georgia | 2 | $ 50,000 | $ 25,000 | $ 17,000 |
| Walton, Georgia | 2 | $ 450,000 | $ 225,000 | $ 195,000 |
| DeSoto, Mississippi | 2 | $ 270,000 | $ 135,000 | $ 106,000 |
| Hinds, Mississippi | 2 | $ 400,000 | $ 200,000 | $ 91,000 |
| Jackson, Mississippi | 2 | $ 290,000 | $ 145,000 | $ 118,000 |
| Washington, Mississippi | 2 | $ 260,000 | $ 130,000 | $ 103,000 |
| Avery, North Carolina | 2 | $ 610,000 | $ 305,000 | $ 535,000 |
| Jackson, North Carolina | 2 | $ 1,440,000 | $ 720,000 | $ 545,000 |
| Hamilton, Tennessee | 2 | $ 370,000 | $ 185,000 | $ 90,000 |
| Polk, Tennessee | 2 | $ 170,000 | $ 85,000 | $ 662,000 |
| Sullivan, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 147,000 |
| Brazos, Texas | 2 | $ 360,000 | $ 180,000 | $ 205,000 |
| Chambers, Texas | 2 | $ 470,000 | $ 235,000 | $ 52,000 |
| Comal, Texas | 2 | $ 1,830,000 | $ 915,000 | $ 729,000 |
| Jefferson, Texas | 2 | $ 330,000 | $ 165,000 | $ 61,000 |
| Kendall, Texas | 2 | $ 2,180,000 | $ 1,090,000 | $ 283,000 |
| Walker, Texas | 2 | $ 830,000 | $ 415,000 | $ 166,000 |
| Webb, Texas | 2 | $ 170,000 | $ 85,000 | $ 114,000 |
| Bibb, Alabama | 1 | $ 225,000 | $ 225,000 | $ 57,000 |
| Cherokee, Alabama | 1 | $ 85,000 | $ 85,000 | $ 102,000 |
| Coffee, Alabama | 1 | $ 75,000 | $ 75,000 | $ 444,000 |
| DeKalb, Alabama | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Lamar, Alabama | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Lawrence, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Macon, Alabama | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Marengo, Alabama | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Marion, Alabama | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Monroe, Alabama | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Perry, Alabama | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| El Paso, Colorado | 1 | $ 575,000 | $ 575,000 | $ 365,000 |
| Jefferson, Colorado | 1 | $ 475,000 | $ 475,000 | $ 163,000 |
| Mesa, Colorado | 1 | $ 835,000 | $ 835,000 | $ 585,000 |
| Weld, Colorado | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Escambia, Florida | 1 | $ 145,000 | $ 145,000 | $ 25,000 |
| Flagler, Florida | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Franklin, Florida | 1 | $ 125,000 | $ 125,000 | $ 210,000 |
| Glades, Florida | 1 | $ 225,000 | $ 225,000 | $ 130,000 |
| Hendry, Florida | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Indian River, Florida | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Jackson, Florida | 1 | $ 275,000 | $ 275,000 | $ 232,000 |
| Santa Rosa, Florida | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Sumter, Florida | 1 | $ 145,000 | $ 145,000 | $ 105,000 |
| Bryan, Georgia | 1 | $ 125,000 | $ 125,000 | $ 130,000 |
| Burke, Georgia | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Gordon, Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Habersham, Georgia | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Long, Georgia | 1 | $ 15,000 | $ 15,000 | $ 49,000 |
| Lowndes, Georgia | 1 | $ 185,000 | $ 185,000 | $ 178,000 |
| Meriwether, Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Newton, Georgia | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Oglethorpe, Georgia | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Talbot, Georgia | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Toombs, Georgia | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Towns, Georgia | 1 | $ 185,000 | $ 185,000 | $ 1,809,000 |
| Troup, Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Choctaw, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Forrest, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 346,000 |
| Lawrence, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Lee, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Union, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Cabarrus, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 195,000 |
| Catawba, North Carolina | 1 | $ 755,000 | $ 755,000 | $ 379,000 |
| Haywood, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 347,000 |
| Macon, North Carolina | 1 | $ 415,000 | $ 415,000 | $ 152,000 |
| Orange, North Carolina | 1 | $ 595,000 | $ 595,000 | $ 409,000 |
| Union, North Carolina | 1 | $ 1,095,000 | $ 1,095,000 | $ 890,000 |
| Wake, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Anderson, South Carolina | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Charleston, South Carolina | 1 | $ 885,000 | $ 885,000 | $ 183,000 |
| Bradley, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 170,000 |
| Coffee, Tennessee | 1 | $ 565,000 | $ 565,000 | $ 271,000 |
| Rhea, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 170,000 |
| Robertson, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 117,000 |
| Rutherford, Tennessee | 1 | $ 895,000 | $ 895,000 | $ 420,000 |
| Sumner, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 131,000 |
| Angelina, Texas | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Austin, Texas | 1 | $ 315,000 | $ 315,000 | $ 142,000 |
| Burnet, Texas | 1 | $ 1,265,000 | $ 1,265,000 | $ 2,918,000 |
| Dallam, Texas | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Ector, Texas | 1 | $ 55,000 | $ 55,000 | $ 142,000 |
| El Paso, Texas | 1 | $ 455,000 | $ 455,000 | $ 353,000 |
| Ellis, Texas | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
| Hardin, Texas | 1 | $ 435,000 | $ 435,000 | $ 293,000 |
| Hood, Texas | 1 | $ 285,000 | $ 285,000 | $ 113,000 |
| Kaufman, Texas | 1 | $ 265,000 | $ 265,000 | $ 147,000 |
| Madison, Texas | 1 | $ 285,000 | $ 285,000 | $ 71,000 |
| Midland, Texas | 1 | $ 885,000 | $ 885,000 | $ 372,000 |
| Nueces, Texas | 1 | $ 465,000 | $ 465,000 | $ 235,000 |
| Rockwall, Texas | 1 | $ 155,000 | $ 155,000 | $ 330,000 |
| San Jacinto, Texas | 1 | $ 135,000 | $ 135,000 | $ 140,000 |
| Trinity, Texas | 1 | $ 745,000 | $ 745,000 | $ 1,267,000 |
| Washington, Texas | 1 | $ 715,000 | $ 715,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cadence Bank, N.A. in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,180 | $767,570,000 | $352,000 | $9,105,000 | $158,000 | $7,254,000 |
| Refinancing | 949 | $293,275,000 | $309,000 | $1,995,000 | $209,000 | $4,835,000 |
| Home Improvement | 350 | $50,460,000 | $144,000 | $1,505,000 | $207,000 | $2,668,000 |
| Other Purpose | 184 | $55,800,000 | $303,000 | $5,005,000 | $327,000 | $8,299,000 |
| Cash-out Refinancing | 167 | $45,705,000 | $273,000 | $2,125,000 | $169,000 | $2,674,000 |
| Not Applicable | 1 | $215,000 | $215,000 | $215,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,101 | $710,055,000 | $337,000 | $4,005,000 | $218,000 | $8,299,000 |
| Black or African American | 649 | $148,775,000 | $229,000 | $2,005,000 | $91,000 | $1,125,000 |
| Hispanic | 354 | $97,980,000 | $276,000 | $5,005,000 | $133,000 | $2,918,000 |
| Not Provided | 342 | $132,020,000 | $386,000 | $9,105,000 | $189,000 | $3,209,000 |
| Not applicable | 208 | $44,450,000 | $213,000 | $3,085,000 | $0 | $0 |
| Asian | 129 | $61,465,000 | $476,000 | $1,795,000 | $254,000 | $1,383,000 |
| American Indian or Alaskan Native | 18 | $4,300,000 | $238,000 | $1,025,000 | $106,000 | $484,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $49,000 | $49,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,720 | $1,186,300,000 | $318,000 | $9,105,000 | $187,000 | $8,299,000 |
| VA-guaranteed (Veterans Administration) | 53 | $14,325,000 | $270,000 | $755,000 | $106,000 | $425,000 |
| FHA-insured (Federal Housing Administration) | 47 | $10,195,000 | $216,000 | $425,000 | $71,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $2,205,000 | $200,000 | $255,000 | $61,000 | $80,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,433 | $817,685,000 | $336,000 | $9,105,000 | $196,000 | $7,254,000 |
| Application Denied By Financial Institution | 761 | $186,495,000 | $245,000 | $2,305,000 | $136,000 | $1,809,000 |
| Application Withdrawn By Applicant | 528 | $179,530,000 | $340,000 | $4,005,000 | $210,000 | $8,299,000 |
| File Closed For Incompleteness | 74 | $20,930,000 | $282,000 | $1,415,000 | $158,000 | $1,466,000 |
| Application Approved But Not Accepted | 33 | $8,015,000 | $242,000 | $1,135,000 | $129,000 | $1,132,000 |
| Loan Purchased By The Institution | 2 | $370,000 | $185,000 | $215,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 3,070 | $1,026,530,000 | $334,000 | $9,105,000 | $197,000 | $8,299,000 |
| Debt-To-Income Ratio | 221 | $44,305,000 | $200,000 | $1,135,000 | $72,000 | $375,000 |
| Credit Application Incomplete | 202 | $61,440,000 | $304,000 | $2,305,000 | $168,000 | $1,809,000 |
| Credit History | 148 | $32,030,000 | $216,000 | $1,505,000 | $146,000 | $1,500,000 |
| Other | 88 | $18,610,000 | $211,000 | $1,075,000 | $155,000 | $885,000 |
| Collateral | 72 | $20,980,000 | $291,000 | $1,405,000 | $183,000 | $790,000 |
| Unverifiable Information | 20 | $6,930,000 | $346,000 | $1,005,000 | $177,000 | $1,121,000 |
| Employment History | 7 | $1,255,000 | $179,000 | $485,000 | $122,000 | $507,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $945,000 | $315,000 | $535,000 | $97,000 | $152,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cadence Bank, N.A.'s 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cadence Bank, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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