Cadence Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Cadence Bank, N.A. 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,532 |
| Total Mortgage Loan Application Amount | $151,306,000 |
| Average Mortgage Loan Application Amount | $404,704 |
| Highest Mortgage Loan Application Amount | $1,301,000 |
| Average Applicant Income | $14,795 |
| Highest Applicant Income | $1,875,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Cadence Bank, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Cadence Bank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Cadence Bank, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Cadence Bank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Cadence Bank, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Cadence Bank, N.A.'s mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lowndes County Mississippi | 376 | $ 30,045,000 | $ 79,000 | $ 70,000 |
| Oktibbeha County Mississippi | 267 | $ 21,642,000 | $ 81,000 | $ 78,000 |
| Monroe County Mississippi | 222 | $ 12,254,000 | $ 55,000 | $ 45,000 |
| Tuscaloosa County Alabama | 132 | $ 11,350,000 | $ 85,000 | $ 89,000 |
| Clay County Mississippi | 118 | $ 6,251,000 | $ 52,000 | $ 59,000 |
| Neshoba County Mississippi | 106 | $ 7,045,000 | $ 66,000 | $ 50,000 |
| Webster County Mississippi | 47 | $ 1,051,000 | $ 22,000 | $ 51,000 |
| Newton County Mississippi | 19 | $ 1,015,000 | $ 53,000 | $ 46,000 |
| Hinds County Mississippi | 15 | $ 1,495,000 | $ 99,000 | $ 65,000 |
| Noxubee County Mississippi | 15 | $ 654,000 | $ 43,000 | $ 33,000 |
| Pickens County Alabama | 14 | $ 1,229,000 | $ 87,000 | $ 41,000 |
| Winston County Mississippi | 13 | $ 922,000 | $ 70,000 | $ 48,000 |
| Rankin County Mississippi | 10 | $ 1,563,000 | $ 156,000 | $ 94,000 |
| Choctaw County Mississippi | 9 | $ 224,000 | $ 24,000 | $ 35,000 |
| Chickasaw County Mississippi | 8 | $ 162,000 | $ 20,000 | $ 59,000 |
| Hale County Alabama | 7 | $ 226,000 | $ 32,000 | $ 36,000 |
| Lamar County Alabama | 7 | $ 489,000 | $ 69,000 | $ 64,000 |
| Middlesex County Massachusetts | 6 | $ 2,953,000 | $ 492,000 | $ 0 |
| Lee County Mississippi | 6 | $ 522,000 | $ 87,000 | $ 64,000 |
| Los Angeles County California | 5 | $ 2,345,000 | $ 469,000 | $ 0 |
| Cook County Illinois | 5 | $ 2,365,000 | $ 473,000 | $ 0 |
| Kemper County Mississippi | 5 | $ 280,000 | $ 56,000 | $ 40,000 |
| Lafayette County Mississippi | 5 | $ 1,240,000 | $ 248,000 | $ 118,000 |
| King County Washington | 5 | $ 2,037,000 | $ 407,000 | $ 0 |
| Orange County California | 4 | $ 1,976,000 | $ 494,000 | $ 0 |
| Fairfield County Connecticut | 4 | $ 2,255,000 | $ 563,000 | $ 0 |
| Lauderdale County Mississippi | 4 | $ 436,000 | $ 109,000 | $ 63,000 |
| Madison County Mississippi | 4 | $ 614,000 | $ 153,000 | $ 116,000 |
| Jefferson County Alabama | 3 | $ 628,000 | $ 209,000 | $ 117,000 |
| Maricopa County Arizona | 3 | $ 1,324,000 | $ 441,000 | $ 0 |
| Shelby County Alabama | 2 | $ 719,000 | $ 359,000 | $ 78,000 |
| Riverside County California | 2 | $ 692,000 | $ 346,000 | $ 0 |
| San Mateo County California | 2 | $ 793,000 | $ 396,000 | $ 0 |
| Fulton County Georgia | 2 | $ 1,128,000 | $ 564,000 | $ 0 |
| Hamilton County Indiana | 2 | $ 748,000 | $ 374,000 | $ 0 |
| Montgomery County Maryland | 2 | $ 911,000 | $ 455,000 | $ 0 |
| Hennepin County Minnesota | 2 | $ 874,000 | $ 437,000 | $ 0 |
| Itawamba County Mississippi | 2 | $ 103,000 | $ 51,000 | $ 47,000 |
| Panola County Mississippi | 2 | $ 80,000 | $ 40,000 | $ 45,000 |
| Clark County Nevada | 2 | $ 963,000 | $ 481,000 | $ 0 |
| Iredell County North Carolina | 2 | $ 888,000 | $ 444,000 | $ 0 |
| Fairfax County Virginia | 2 | $ 827,000 | $ 413,000 | $ 0 |
| Bibb County Alabama | 1 | $ 153,000 | $ 153,000 | $ 49,000 |
| Chilton County Alabama | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Fayette County Alabama | 1 | $ 50,000 | $ 50,000 | $ 45,000 |
| Greene County Alabama | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Marion County Alabama | 1 | $ 284,000 | $ 284,000 | $ 95,000 |
| Mobile County Alabama | 1 | $ 70,000 | $ 70,000 | $ 128,000 |
| Yavapai County Arizona | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Yuma County Arizona | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Alameda County California | 1 | $ 471,000 | $ 471,000 | $ 0 |
| San Diego County California | 1 | $ 424,000 | $ 424,000 | $ 0 |
| San Francisco County California | 1 | $ 544,000 | $ 544,000 | $ 0 |
| San Joaquin County California | 1 | $ 442,000 | $ 442,000 | $ 0 |
| Santa Clara County California | 1 | $ 624,000 | $ 624,000 | $ 0 |
| Santa Cruz County California | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 427,000 | $ 427,000 | $ 0 |
| Boulder County Colorado | 1 | $ 679,000 | $ 679,000 | $ 0 |
| Douglas County Colorado | 1 | $ 352,000 | $ 352,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Broward County Florida | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Leon County Florida | 1 | $ 36,000 | $ 36,000 | $ 116,000 |
| Okaloosa County Florida | 1 | $ 200,000 | $ 200,000 | $ 142,000 |
| Palm Beach County Florida | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Sarasota County Florida | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Blaine County Idaho | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Lake County Illinois | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Marion County Indiana | 1 | $ 643,000 | $ 643,000 | $ 0 |
| Barnstable County Massachusetts | 1 | $ 513,000 | $ 513,000 | $ 0 |
| Dukes County Massachusetts | 1 | $ 442,000 | $ 442,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Oakland County Michigan | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Olmsted County Minnesota | 1 | $ 584,000 | $ 584,000 | $ 0 |
| Attala County Mississippi | 1 | $ 3,000 | $ 3,000 | $ 34,000 |
| Bolivar County Mississippi | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Calhoun County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Grenada County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 26,000 |
| Leake County Mississippi | 1 | $ 143,000 | $ 143,000 | $ 34,000 |
| Montgomery County Mississippi | 1 | $ 16,000 | $ 16,000 | $ 37,000 |
| Union County Mississippi | 1 | $ 149,000 | $ 149,000 | $ 93,000 |
| Camden County New Jersey | 1 | $ 610,000 | $ 610,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 402,000 | $ 402,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Nassau County New York | 1 | $ 397,000 | $ 397,000 | $ 0 |
| Queens County New York | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Richmond County New York | 1 | $ 483,000 | $ 483,000 | $ 0 |
| Suffolk County New York | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Avery County North Carolina | 1 | $ 959,000 | $ 959,000 | $ 0 |
| Durham County North Carolina | 1 | $ 593,000 | $ 593,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 422,000 | $ 422,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Delaware County Ohio | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Franklin County Ohio | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 546,000 | $ 546,000 | $ 0 |
| Montgomery County Pennsylvania | 1 | $ 833,000 | $ 833,000 | $ 0 |
| Knox County Tennessee | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Collin County Texas | 1 | $ 583,000 | $ 583,000 | $ 0 |
| Denton County Texas | 1 | $ 673,000 | $ 673,000 | $ 0 |
| Arlington County Virginia | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Lancaster County Virginia | 1 | $ 10,000 | $ 10,000 | $ 85,000 |
| Prince William County Virginia | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Snohomish County Washington | 1 | $ 559,000 | $ 559,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cadence Bank, N.A. in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 655 | $97,014,000 | $439,920 | $1,301,000 | $8,640 | $1,118,000 |
| Home Purchase (one-to-four family) | 457 | $42,469,000 | $460,571 | $1,000,000 | $10,428 | $1,875,000 |
| Home Improvement (one-to-four family) | 413 | $9,921,000 | $22,500 | $476,000 | $72,250 | $521,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 7 | $1,902,000 | $271,000 | $653,000 | $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 | 1,124 | $88,200,000 | $74,000 | $1,301,000 | $83,000 | $673,000 |
| Black | 274 | $10,640,000 | $42,500 | $310,000 | $45,500 | $936,000 |
| Not applicable | 117 | $51,136,000 | $476,296 | $1,000,000 | $26,777 | $1,875,000 |
| Asian or Pacific Islander | 9 | $757,000 | $84,000 | $154,000 | $79,000 | $115,000 |
| Hispanic | 4 | $414,000 | $103,000 | $180,000 | $41,000 | $57,000 |
| Other | 3 | $156,000 | $52,000 | $102,000 | $23,000 | $32,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $9,000 | $9,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,428 | $142,190,000 | $457,962 | $1,301,000 | $7,629 | $1,875,000 |
| FHA-insured (Federal Housing Administration) | 50 | $4,187,000 | $91,000 | $154,000 | $41,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $1,980,000 | $70,000 | $120,000 | $35,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 26 | $2,949,000 | $105,500 | $237,000 | $46,500 | $109,000 |
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 | 1,070 | $78,659,000 | $50,500 | $1,301,000 | $92,250 | $1,875,000 |
| Application Denied By Financial Institution | 246 | $12,432,000 | $106,333 | $443,000 | $75,666 | $202,000 |
| Loan Purchased By The Institution | 98 | $47,740,000 | $498,280 | $1,000,000 | $0 | $0 |
| Application Withdrawn By Applicant | 91 | $9,652,000 | $117,500 | $300,000 | $65,500 | $329,000 |
| Application Approved But Not Accepted | 14 | $1,524,000 | $99,000 | $320,000 | $55,500 | $138,000 |
| File Closed For Incompleteness | 13 | $1,299,000 | $121,500 | $207,000 | $45,000 | $100,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 178 | $6,461,000 | $90,666 | $292,000 | $70,000 | $142,000 |
| Debt-To-Income Ratio | 26 | $2,306,000 | $96,500 | $225,000 | $46,000 | $180,000 |
| Collateral | 19 | $1,267,000 | $116,000 | $284,000 | $50,000 | $95,000 |
| Credit Application Incomplete | 17 | $1,810,000 | $180,000 | $443,000 | $77,500 | $160,000 |
| Other | 4 | $255,000 | $44,000 | $122,000 | $55,500 | $58,000 |
| Unverifiable Information | 2 | $333,000 | $166,000 | $323,000 | $136,000 | $202,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cadence Bank, N.A.'s 2003 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.