Applications / Mortgage Analytics / Lenders / Mississippi / Cadence Bank
Tupelo, MS · State member bank · FRS · $53.5 billion assets · 14,010 loans in 2025
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14,010
loans originated, 2025
20,856
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cadence Bank made 27.0% of its loans in majority-minority areas, the highest share among similar lenders, while gaining share in Houston, Memphis and Birmingham.
Its share in majority-minority areas rose from 17.4% five years before to 27.0%, against 14.4% for similar lenders (state member banks making between half and twice as many loans), the highest in the group. Its share in low- and moderate-income (LMI) areas, 17.5%, was also above the peer 15.7%. Lending concentrated in metros such as Houston and Memphis may explain much of this.
LMI borrowers took 21.1% of its loans, against 27.7% for peers, among the lowest tenth. Its typical loan was $215,000 against $175,000, and jumbo loans (larger than the conforming limit) were 8.6% against 3.4%. A purchase-heavy book (55.9% of loans) in large metros could account for both.
Its Houston share rose from 1.7% to 2.0%, ranking 6 of 929; Memphis rose from 3.5% to 3.9% and Birmingham to 3.7%. It ranks 2 of 438 in non-metro Mississippi. Originations rose 9% to 14,010, close to the 11% for peers and 10% for the market.
Higher-priced loans (a rate well above the average for similar loans) fell from 2.4% five years before to 0.4%, the lowest among peers, whose figure was 2.1%. It bought no loans, while the typical peer bought 78, so its whole book is loans it made itself.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cadence Bank took 20,856 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.9% · Other 22.2% · Refinance 20.8% · Home improvement 1.1%
Conventional 89.8% · FHA 7.5% · VA 2.0% · USDA (RHS or FSA) 0.7% · of 14,010 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 3,639 | 26.0% |
| Mississippi | 3,510 | 25.1% |
| Tennessee | 1,772 | 12.6% |
| Alabama | 1,759 | 12.6% |
| Arkansas | 939 | 6.7% |
| Louisiana | 730 | 5.2% |
| Georgia | 614 | 4.4% |
| Missouri | 485 | 3.5% |
| Florida | 417 | 3.0% |
| South Carolina | 52 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 1,606 |
| Memphis | 1,153 |
| Jackson | 975 |
| Birmingham | 737 |
| Nashville-Davidson--Murfreesboro--Franklin | 517 |
| Dallas-Plano-Irving | 466 |
| Gulfport-Biloxi | 438 |
| Austin-Round Rock-San Marcos | 410 |
| Springfield | 349 |
| Killeen-Temple | 251 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | Q7C315HKI8VX0SSKBS64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 606046 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311813 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9606046 | 2011–2017 |
Established 1 March 1876. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Cadence Bank's data.
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