Cadence Lending Group
Cadence Lending Group has 360 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
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
Explore another lender or local market
Report Card
Cadence Lending Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+30.9 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
112 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
FHA
152 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
VA
96 loans · 0.36% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
351 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Exceptional
Top 5% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 112 | 31.1% | +0.508%Above | $3,998Fees | ||||
FHA Loans | 152 | 42.2% | +0.590%Above | $3,920Fees | ||||
VA Loans | 96 | 26.7% | -0.358%Below | $3,351Fees |
Conventional
OverallSound
ProductSound
PricingMediocre
Pull ThroughStrong
Volume112
Mix31.1%
Spread
+0.508%Above
Fees
$3,998Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume152
Mix42.2%
Spread
+0.590%Above
Fees
$3,920Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume96
Mix26.7%
Spread
-0.358%Below
Fees
$3,351Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 351 | 97.5% | +0.306%Above | $3,788Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume351
Mix97.5%
Spread
+0.306%Above
Fees
$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
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
2Full-year 2024 · HMDALoans originated
< 1010+None
South1
TX
West1
NM
Top Metro Areas by Place Specialization Score
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.