Applications / Mortgage Analytics / Lenders / Texas / Cadence Lending Group
El Paso, TX · Independent non-bank lender · CFPB · 357 loans in 2025
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357
loans originated, 2025
418
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cadence Lending Group is an El Paso home-purchase lender built on government-backed loans: about two in three of its loans are insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA), against about one in five at similar lenders.
Purchases made up 95.8% of its loans. FHA loans were 40.3% of its lending, against 17.5% at similar lenders (independent non-banks making between half and twice as many loans), and VA loans 24.9%, against 4.6%. Its VA share was higher than at more than nine in ten peers. Its typical loan, $275,000, was smaller than the peers' $335,000.
It ranks 10 of 332 lenders in El Paso, its biggest market, where it has lent since 2019. Its lending covers just eight counties in two states, so its neighborhood figures follow a few local markets: 98.6% of its loans were in neighborhoods where most residents belong to minority groups, against 22.9% at peers.
Its loans fell 1% to 357, while the whole market grew 10%. Its El Paso share slipped from 3.6% to 3.0%; one possible reason is that its lending held flat while the wider market grew. It made 750 loans in 2021, more than twice today's number.
It turned down 0.5% of first-lien home-purchase applications on owner-occupied homes, against 2.9% at peers. Its typical rate, 6.25%, was lower than at most peers. Higher-priced loans, those with a rate well above the average for similar loans, fell to 1.5% from 3.7%.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cadence Lending Group took 418 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.8% · Refinance 4.2%
FHA 40.3% · Conventional 34.5% · VA 24.9% · USDA (RHS or FSA) 0.3% · of 357 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 | 349 | 97.8% |
| New Mexico | 8 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| El Paso | 341 |
| Las Cruces | 7 |
| Dallas-Plano-Irving | 2 |
| Fort Worth-Arlington-Grapevine | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| San Antonio-New Braunfels | 2 |
| Albuquerque | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008T2QQO3QJ0EM38 | 2019–2025 |
Established 10 July 2018. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Cadence Lending Group's data.
Cadence Lending Group's data
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Cadence Lending Group and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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