Cadence Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Cadence Bank, N.A. 2008 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 | 1,129 |
| Total Mortgage Loan Application Amount | $148,582,000 |
| Average Mortgage Loan Application Amount | $112,333 |
| Highest Mortgage Loan Application Amount | $1,184,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $3,867,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 229 | $ 30,450,000 | $ 132,000 | $ 92,000 |
| Oktibbeha County Mississippi | 161 | $ 18,668,000 | $ 115,000 | $ 94,000 |
| Monroe County Mississippi | 112 | $ 6,160,000 | $ 55,000 | $ 69,000 |
| Tuscaloosa County Alabama | 111 | $ 19,033,000 | $ 171,000 | $ 122,000 |
| Clay County Mississippi | 72 | $ 6,288,000 | $ 87,000 | $ 62,000 |
| Neshoba County Mississippi | 50 | $ 2,362,000 | $ 47,000 | $ 62,000 |
| Shelby County Tennessee | 45 | $ 6,905,000 | $ 153,000 | $ 119,000 |
| Webster County Mississippi | 40 | $ 2,849,000 | $ 71,000 | $ 59,000 |
| Davidson County Tennessee | 37 | $ 8,252,000 | $ 223,000 | $ 142,000 |
| Union County Georgia | 28 | $ 3,671,000 | $ 131,000 | $ 81,000 |
| Williamson County Tennessee | 28 | $ 7,965,000 | $ 284,000 | $ 110,000 |
| Jefferson County Alabama | 27 | $ 7,364,000 | $ 272,000 | $ 144,000 |
| Shelby County Alabama | 18 | $ 3,715,000 | $ 206,000 | $ 75,000 |
| Choctaw County Mississippi | 13 | $ 1,268,000 | $ 97,000 | $ 84,000 |
| Pickens County Alabama | 10 | $ 545,000 | $ 54,000 | $ 26,000 |
| Manatee County Florida | 9 | $ 1,482,000 | $ 164,000 | $ 354,000 |
| Towns County Georgia | 9 | $ 1,320,000 | $ 146,000 | $ 172,000 |
| St. Clair County Alabama | 8 | $ 1,010,000 | $ 126,000 | $ 53,000 |
| Sarasota County Florida | 7 | $ 1,747,000 | $ 249,000 | $ 196,000 |
| Newton County Mississippi | 6 | $ 90,000 | $ 15,000 | $ 48,000 |
| Noxubee County Mississippi | 6 | $ 774,000 | $ 129,000 | $ 73,000 |
| Lamar County Alabama | 5 | $ 691,000 | $ 138,000 | $ 53,000 |
| Itawamba County Mississippi | 5 | $ 384,000 | $ 76,000 | $ 33,000 |
| Lauderdale County Mississippi | 4 | $ 227,000 | $ 56,000 | $ 192,000 |
| Lee County Mississippi | 4 | $ 527,000 | $ 131,000 | $ 88,000 |
| Clay County North Carolina | 4 | $ 543,000 | $ 135,000 | $ 59,000 |
| Rutherford County Tennessee | 4 | $ 496,000 | $ 124,000 | $ 43,000 |
| Madison County Alabama | 3 | $ 479,000 | $ 159,000 | $ 66,000 |
| Fannin County Georgia | 3 | $ 792,000 | $ 264,000 | $ 56,000 |
| DeSoto County Mississippi | 3 | $ 582,000 | $ 194,000 | $ 76,000 |
| Lafayette County Mississippi | 3 | $ 536,000 | $ 178,000 | $ 79,000 |
| Winston County Mississippi | 3 | $ 93,000 | $ 31,000 | $ 91,000 |
| Fayette County Tennessee | 3 | $ 555,000 | $ 185,000 | $ 144,000 |
| Blount County Alabama | 2 | $ 465,000 | $ 232,000 | $ 80,000 |
| Fayette County Alabama | 2 | $ 190,000 | $ 95,000 | $ 67,000 |
| Hale County Alabama | 2 | $ 303,000 | $ 151,000 | $ 49,000 |
| Marion County Alabama | 2 | $ 88,000 | $ 44,000 | $ 17,000 |
| Leon County Florida | 2 | $ 231,000 | $ 115,000 | $ 42,000 |
| Walton County Florida | 2 | $ 1,584,000 | $ 792,000 | $ 662,000 |
| Gilmer County Georgia | 2 | $ 232,000 | $ 116,000 | $ 46,000 |
| Chickasaw County Mississippi | 2 | $ 60,000 | $ 30,000 | $ 26,000 |
| Hinds County Mississippi | 2 | $ 80,000 | $ 40,000 | $ 40,000 |
| Panola County Mississippi | 2 | $ 390,000 | $ 195,000 | $ 72,000 |
| Cherokee County North Carolina | 2 | $ 234,000 | $ 117,000 | $ 131,000 |
| Maury County Tennessee | 2 | $ 335,000 | $ 167,000 | $ 93,000 |
| Polk County Tennessee | 2 | $ 53,000 | $ 26,000 | $ 33,000 |
| Sumner County Tennessee | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Wilson County Tennessee | 2 | $ 589,000 | $ 294,000 | $ 129,000 |
| Baldwin County Alabama | 1 | $ 302,000 | $ 302,000 | $ 78,000 |
| Cullman County Alabama | 1 | $ 118,000 | $ 118,000 | $ 23,000 |
| Greene County Alabama | 1 | $ 5,000 | $ 5,000 | $ 58,000 |
| Marshall County Alabama | 1 | $ 130,000 | $ 130,000 | $ 56,000 |
| Pike County Alabama | 1 | $ 106,000 | $ 106,000 | $ 66,000 |
| Winston County Alabama | 1 | $ 223,000 | $ 223,000 | $ 119,000 |
| Pulaski County Arkansas | 1 | $ 417,000 | $ 417,000 | $ 272,000 |
| Bay County Florida | 1 | $ 712,000 | $ 712,000 | $ 679,000 |
| Hillsborough County Florida | 1 | $ 158,000 | $ 158,000 | $ 45,000 |
| Bartow County Georgia | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Clarke County Mississippi | 1 | $ 67,000 | $ 67,000 | $ 49,000 |
| Forrest County Mississippi | 1 | $ 147,000 | $ 147,000 | $ 73,000 |
| Grenada County Mississippi | 1 | $ 70,000 | $ 70,000 | $ 32,000 |
| Harrison County Mississippi | 1 | $ 180,000 | $ 180,000 | $ 125,000 |
| Holmes County Mississippi | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Leake County Mississippi | 1 | $ 157,000 | $ 157,000 | $ 60,000 |
| Marshall County Mississippi | 1 | $ 52,000 | $ 52,000 | $ 58,000 |
| Montgomery County Mississippi | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| Rankin County Mississippi | 1 | $ 133,000 | $ 133,000 | $ 34,000 |
| Simpson County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 140,000 |
| Tishomingo County Mississippi | 1 | $ 152,000 | $ 152,000 | $ 320,000 |
| Iredell County North Carolina | 1 | $ 612,000 | $ 612,000 | $ 292,000 |
| Mecklenburg County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 171,000 |
| Wake County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 152,000 |
| Charleston County South Carolina | 1 | $ 360,000 | $ 360,000 | $ 135,000 |
| Hickman County Tennessee | 1 | $ 61,000 | $ 61,000 | $ 27,000 |
| Marshall County Tennessee | 1 | $ 96,000 | $ 96,000 | $ 38,000 |
| Perry County Tennessee | 1 | $ 250,000 | $ 250,000 | $ 1,566,000 |
| Robertson County Tennessee | 1 | $ 162,000 | $ 162,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Cadence Bank, N.A. in 2008
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 | 591 | $88,579,000 | $149,000 | $1,184,000 | $103,000 | $3,867,000 |
| Refinancing | 358 | $52,214,000 | $145,000 | $800,000 | $100,000 | $1,209,000 |
| Home Improvement | 180 | $7,789,000 | $43,000 | $880,000 | $65,000 | $1,195,000 |
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 | 818 | $113,328,000 | $138,000 | $1,184,000 | $99,000 | $2,453,000 |
| Black or African American | 164 | $11,951,000 | $72,000 | $417,000 | $76,000 | $3,867,000 |
| Not applicable | 95 | $15,405,000 | $162,000 | $751,000 | $85,000 | $1,195,000 |
| Not Provided | 23 | $2,846,000 | $123,000 | $315,000 | $51,000 | $129,000 |
| Asian | 16 | $2,075,000 | $129,000 | $582,000 | $140,000 | $580,000 |
| Hispanic | 10 | $2,509,000 | $250,000 | $650,000 | $329,000 | $1,209,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $465,000 | $232,000 | $252,000 | $81,000 | $114,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $28,000 | $28,000 |
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) | 964 | $128,640,000 | $133,000 | $1,184,000 | $103,000 | $3,867,000 |
| FHA-insured (Federal Housing Administration) | 88 | $12,210,000 | $138,000 | $431,000 | $63,000 | $291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $5,403,000 | $90,000 | $212,000 | $40,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,329,000 | $137,000 | $284,000 | $56,000 | $92,000 |
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 | 702 | $96,725,000 | $137,000 | $1,184,000 | $111,000 | $3,867,000 |
| Application Denied By Financial Institution | 245 | $20,197,000 | $82,000 | $612,000 | $45,000 | $320,000 |
| Application Approved But Not Accepted | 158 | $29,510,000 | $186,000 | $800,000 | $115,000 | $1,209,000 |
| Application Withdrawn By Applicant | 23 | $1,930,000 | $83,000 | $306,000 | $47,000 | $120,000 |
| File Closed For Incompleteness | 1 | $220,000 | $220,000 | $220,000 | $104,000 | $104,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 161 | $10,612,000 | $65,000 | $375,000 | $41,000 | $208,000 |
| Debt-To-Income Ratio | 47 | $6,432,000 | $136,000 | $612,000 | $45,000 | $292,000 |
| Collateral | 20 | $1,835,000 | $91,000 | $266,000 | $80,000 | $320,000 |
| Other | 6 | $845,000 | $140,000 | $211,000 | $51,000 | $111,000 |
| Employment History | 5 | $188,000 | $37,000 | $111,000 | $48,000 | $110,000 |
| Credit Application Incomplete | 3 | $69,000 | $23,000 | $28,000 | $25,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $207,000 | $103,000 | $172,000 | $43,000 | $63,000 |
| Unverifiable Information | 1 | $9,000 | $9,000 | $9,000 | $20,000 | $20,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cadence Bank, N.A.'s 2008 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.