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Cadence Lending Group, Inc.

El Paso, TX

Cadence Lending Group, Inc. processed 443 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 361 loans with a 1.6% denial rate. Home Purchase was the primary loan purpose. Based in El Paso, TX. The approval rate of 81.5% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Cadence Lending Group, Inc.'s 81.5% origination rate tells you how often an application turned into funded money; the 1.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Unverifiable information, Other, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in FHA loans (189 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

443
Applications
361
Originated
1.6%
Denial Rate
$304,707
Avg Loan Amount
Avg Interest Rate: 6.338% Avg Applicant Income: $42,000

Lending Activity

Type Applications Originated Denied Avg Loan
FHA 189 152 4 $265,899
Conventional 138 113 1 $335,290
VA 116 96 2 $331,552

Top loan types - Cadence Lending Group, Inc.

Top loan types - Cadence Lending Group, Inc. Horizontal bar chart of the top 3 items by value (applications). Top loan types - Cadence Lending Group, Inc. Top 3 1. FHA 189 2. Conventional 138 3. VA 116 Top 5 loan types by application volume at Cadence Lending Group, Inc. (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Cadence Lending Group, Inc. (LEI: 5493008T2QQO3QJ0EM38) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Unverifiable information
2
Other
2
Debt-to-income ratio
2
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 430 352 $302,023
Refinancing 8 5 $501,250
Cash-out Refinancing 5 4 $221,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 345 80.3% 1.2%
Black or African American * 24 87.5% 8.3%
Joint * 12 83.3% 0.0%
Asian * 9 66.7% 0.0%
2 or more minority races * 1 100.0% 0.0%
American Indian or Alaska Native * 1 100.0% 0.0%
Native Hawaiian or Other Pacific Islander * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Hispanic or Latino 309 81.5% 1.6%
Not Hispanic or Latino 68 80.9% 2.9%
Joint * 18 66.7% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare Cadence Lending Group, Inc. vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Cadence Lending Group, Inc. process?
Cadence Lending Group, Inc. processed 443 mortgage applications in the 2024 HMDA reporting year. Of these, 361 were originated (approved and funded), 15 were withdrawn by the applicant, and 7 were denied.
What is Cadence Lending Group, Inc.'s mortgage approval rate?
Cadence Lending Group, Inc. has an approval (origination) rate of 81.5%, meaning 81.5% of all applications resulted in a funded mortgage. The denial rate is 1.6%.
What is the average loan amount at Cadence Lending Group, Inc.?
The average mortgage loan amount at Cadence Lending Group, Inc. is $304,707. The average interest rate is 6.338%. The average applicant income is $42,000.
What are the most common reasons for mortgage denial at Cadence Lending Group, Inc.?
The most common reasons for mortgage denial at Cadence Lending Group, Inc. are: Unverifiable information, Other, Debt-to-income ratio. In total, 7 applications were denied out of 443 total applications.
What types of mortgage loans does Cadence Lending Group, Inc. offer?
Cadence Lending Group, Inc. processes FHA, Conventional, VA loans. The most common type is FHA with 189 applications and an average loan amount of $265,899.
What loan purposes does Cadence Lending Group, Inc. serve?
Cadence Lending Group, Inc. serves the following loan purposes: Home Purchase (430 applications), Refinancing (8 applications), Cash-out Refinancing (5 applications). Home Purchase is the most common purpose.
Where is Cadence Lending Group, Inc. located?
Cadence Lending Group, Inc. is headquartered in El Paso, TX. The lender is identified by LEI 5493008T2QQO3QJ0EM38 in HMDA data.
How does Cadence Lending Group, Inc. compare in lending across racial demographics?
Cadence Lending Group, Inc. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 80.3% and denial rate of 1.2%; Black or African American applicants have an approval rate of 87.5% and denial rate of 8.3%; Joint applicants have an approval rate of 83.3% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.