We analyzed every closed loan from Cadence Bank — 6.2k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
Cadence Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+17.1 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
4,088 loans · 0.15% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,027 loans · 0.34% above market
Exceptional
Top 20% of lenders
5/5
VA
233 loans · 0.32% below market
Strong
Top 40% of lenders
4/5
Jumbo
735 loans · 0.21% above market
Exceptional
Top 10% of lenders
5/5
USDA
85 loans · 0.21% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
5,624 loans · 0.14% above market
Exceptional
Top 20% of lenders
5/5
Refinance
544 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,088 | 66.3% | +0.149%Above | $2,159Fees | ||||
FHA Loans | 1,027 | 16.7% | +0.343%Above | $1,898Fees | ||||
VA Loans | 233 | 3.8% | -0.322%Below | $1,928Fees | ||||
Jumbo Loans | 735 | 11.9% | +0.212%Above | $2,252Fees | ||||
USDA Loans | 85 | 1.4% | +0.206%Above | $1,747Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume4,088
Mix66.3%
Spread
+0.149%Above
Fees
$2,159Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,027
Mix16.7%
Spread
+0.343%Above
Fees
$1,898Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume233
Mix3.8%
Spread
-0.322%Below
Fees
$1,928Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume735
Mix11.9%
Spread
+0.212%Above
Fees
$2,252Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume85
Mix1.4%
Spread
+0.206%Above
Fees
$1,747Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,624 | 91.2% | +0.145%Above | $2,128Fees | ||||
Refinance | 544 | 8.8% | +0.391%Above | $1,952Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume5,624
Mix91.2%
Spread
+0.145%Above
Fees
$2,128Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume544
Mix8.8%
Spread
+0.391%Above
Fees
$1,952Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,168
Applications
8,799
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.171%
vs. market APOR
Avg Net Fees
$2,109
Origination − Credits
Pullthrough Rate
70.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$429,102
Avg Borrower Income
$200,976
Avg Property Value
$538,093
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 2020–200200–500500+None
Midwest4
ILINMONE
South13
ALARFLGAKYLAMSNCOKSCTNTXVA
West2
AZCO
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.