Cardinal Financial Company, Limited Partnership mortgage approval rate & lending review
Cardinal Financial Company, Limited Partnership decided 52,850 mortgage applications and funded 41,136 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cardinal Financial Company, Limited Partnership reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to cardinalfinancial.com.
Cardinal Financial Company, Limited Partnership at a glance
Approval is 5.5 points above the 84.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 38,006 / 41,280 | 89% | $285K | 33,762 |
| Home improvement loans | 88% | 137 / 156 | 82% | $85K | 112 |
| Cash-out refinance | 81% | 4,497 / 5,540 | 75% | $255K | 3,378 |
| Refinance | 84% | 2,582 / 3,062 | 73% | $335K | 1,878 |
| Investment property purchase | 90% | 2,010 / 2,226 | 84% | $235K | 1,680 |
| Investment cash-out refinance | 78% | 257 / 331 | 76% | $235K | 196 |
| Investment refinance | 76% | 179 / 237 | 68% | $215K | 121 |
Cardinal Financial Company, Limited Partnership lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $275K | 10,516 | 8,670 |
| Florida | 88% | $325K | 8,636 | 6,413 |
| New York | 90% | $495K | 3,168 | 2,443 |
| Indiana | 96% | $195K | 2,156 | 1,954 |
| California | 89% | $465K | 1,953 | 1,409 |
| Georgia | 85% | $295K | 1,886 | 1,328 |
| North Carolina | 91% | $245K | 1,872 | 1,461 |
| New Jersey | 87% | $345K | 1,587 | 1,145 |
| Pennsylvania | 91% | $245K | 1,581 | 1,231 |
| Tennessee | 91% | $245K | 1,580 | 1,231 |
| Nevada | 93% | $375K | 1,448 | 1,163 |
| South Carolina | 89% | $235K | 1,368 | 1,029 |
| Arizona | 90% | $385K | 1,175 | 922 |
| Wisconsin | 93% | $205K | 1,129 | 978 |
| Minnesota | 95% | $275K | 1,085 | 960 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cardinal Financial Company, Limited Partnership lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tarrant County, TX | Mortgage lenders | 95% | 1,341 | 1,182 |
| Suffolk County, NY | Mortgage lenders | 93% | 1,067 | 925 |
| Harris County, TX | Mortgage lenders | 91% | 1,093 | 895 |
| Elkhart County, IN | Mortgage lenders | 98% | 927 | 890 |
| Hillsborough County, FL | Mortgage lenders | 90% | 887 | 714 |
| St. Joseph County, IN | Mortgage lenders | 99% | 696 | 662 |
| Lubbock County, TX | Mortgage lenders | 94% | 743 | 608 |
| Dallas County, TX | Mortgage lenders | 92% | 670 | 561 |
| El Paso County, TX | Mortgage lenders | 97% | 606 | 516 |
| Pasco County, FL | Mortgage lenders | 93% | 630 | 515 |
| Bexar County, TX | Mortgage lenders | 93% | 598 | 490 |
| Broward County, FL | Mortgage lenders | 86% | 542 | 376 |
The county markets where Cardinal Financial Company, Limited Partnership made the most loans. Each link opens that market with every lender ranked.
Questions about Cardinal Financial Company, Limited Partnership
What is Cardinal Financial Company, Limited Partnership's mortgage approval rate?
Cardinal Financial Company, Limited Partnership approved 90.2% of the 52,850 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.5 points above the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan Cardinal Financial Company, Limited Partnership offers?
Borrowers accepted 86% of the loans Cardinal Financial Company, Limited Partnership approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cardinal Financial Company, Limited Partnership make?
The typical home purchase mortgage loan Cardinal Financial Company, Limited Partnership made was $285K; across all loan types its typical loan ran from $85K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cardinal Financial Company, Limited Partnership lend?
Cardinal Financial Company, Limited Partnership decided applications in 51 of the states Fat Boy Data covers, most of them in Texas, Florida and New York.
Can I apply to Cardinal Financial Company, Limited Partnership directly?
Yes. Cardinal Financial Company, Limited Partnership reports as a direct lender that takes applications from borrowers. Its website is cardinalfinancial.com.
Does this page show Cardinal Financial Company, Limited Partnership's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cardinal Financial Company, Limited Partnership treats applications, then get a rate quote from the lender.