Cardinal Financial Company, Limited Partnership: 2025 mortgage rates, costs & approvals
How Cardinal Financial Company, Limited Partnership priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP · LEI 549300VORTI31GZTJL53
In 2025, Cardinal Financial Company, Limited Partnership originated 8,597 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 67th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 23 basis points above the national median. Median conventional loan costs were $6,770, 22% higher than the national median ($5,570).
It denied 8.5% of completed home-purchase applications (all lenders: 8.5%).
How Cardinal Financial Company, Limited Partnership priced home-purchase loans
| Purchase loans, 2025 | Cardinal Financial Company, Limited Partnership | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.36 pts | +0.13 pts |
| Total loan costs · conventional | $6,770 | $5,570 |
| Total loan costs · FHA | $12,020 | $11,310 |
| Total loan costs · VA | $9,870 | $6,490 |
| Origination charges (all types) | $3,800 | $1,860 |
| Borrowers paying discount points | 77.0% | 51.3% |
| Points paid, when paid (% of loan) | 1.28% | 0.87% |
| Borrowers receiving lender credits | 53.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Cardinal Financial Company, Limited Partnership denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Cardinal Financial Company, Limited Partnership lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,496 | 1,885 | 8.1% | 6.750% | $8,000 |
| Florida | 932 | 1,266 | 10.9% | 6.500% | $8,220 |
| Indiana | 621 | 697 | 2.9% | 6.875% | $4,020 |
| Tennessee | 426 | 512 | 6.4% | 6.750% | $6,680 |
| Pennsylvania | 355 | 451 | 7.4% | 6.625% | $7,220 |
| Wisconsin | 341 | 395 | 7.8% | 6.625% | $6,170 |
| Minnesota | 337 | 386 | 4.0% | 6.750% | $7,310 |
| New York | 316 | 407 | 8.7% | 6.625% | $8,230 |
| North Carolina | 282 | 389 | 10.8% | 6.625% | $5,230 |
| Georgia | 278 | 403 | 14.8% | 6.375% | $8,220 |
| Nevada | 267 | 330 | 7.4% | 6.750% | $7,750 |
| Virginia | 250 | 332 | 10.3% | 6.750% | $6,610 |
| Iowa | 199 | 233 | 8.0% | 6.500% | $6,730 |
| Louisiana | 192 | 249 | 11.0% | 6.625% | $5,630 |
| Arizona | 181 | 226 | 5.3% | 6.750% | $8,910 |
| New Jersey | 178 | 240 | 8.3% | 6.750% | $7,860 |
| South Carolina | 171 | 225 | 6.9% | 6.625% | $5,090 |
| California | 169 | 243 | 5.1% | 6.625% | $9,580 |
| Illinois | 159 | 209 | 9.9% | 6.875% | $8,260 |
| Missouri | 159 | 200 | 5.6% | 6.625% | $4,410 |
| Michigan | 145 | 177 | 7.9% | 6.750% | $4,410 |
| Maryland | 126 | 188 | 15.0% | 6.625% | $8,430 |
| Washington | 106 | 131 | 5.2% | 6.625% | $5,750 |
| Ohio | 104 | 167 | 20.0% | — | — |
| Alabama | 103 | 145 | 15.9% | — | — |
| Mississippi | 103 | 140 | 10.8% | — | — |
| Massachusetts | 86 | 120 | 9.2% | 6.750% | $5,860 |
| Colorado | 75 | 107 | 9.5% | 6.000% | $5,870 |
| Oklahoma | 43 | 60 | 8.6% | — | — |
| Kentucky | 42 | 56 | 13.0% | — | — |
| Nebraska | 37 | 39 | 0.0% | — | — |
| Oregon | 35 | 46 | 6.1% | 6.125% | $5,190 |
| New Mexico | 30 | 47 | 13.6% | — | — |
| Arkansas | 28 | 41 | 4.8% | — | — |
| Connecticut | 28 | 38 | — | — | — |
| Idaho | 24 | 34 | 13.6% | — | — |
| Utah | 23 | 36 | 13.6% | — | — |
| Kansas | 23 | 34 | — | — | — |
| Delaware | 23 | 33 | — | — | — |
| South Dakota | 18 | 22 | — | — | — |
| Hawaii | 17 | 24 | — | — | — |
| North Dakota | 13 | 16 | — | — | — |
| New Hampshire | 11 | 15 | — | — | — |
| District of Columbia | 9 | 15 | — | — | — |
| West Virginia | 9 | 12 | — | — | — |
| Rhode Island | 8 | 12 | — | — | — |
| Maine | 7 | 15 | — | — | — |
| Montana | 5 | 6 | — | — | — |
| Alaska | 4 | 8 | — | — | — |
| Wyoming | 2 | 2 | — | — | — |
| Vermont | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Cardinal Financial Company, Limited Partnership's page for that state.
Counties where Cardinal Financial Company, Limited Partnership is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mora County, NM | 4 | 1 | 20.0% |
| Red River Parish, LA | 2 | 5 | 12.8% |
| Elkhart County, IN | 1 | 287 | 11.5% |
| Crosby County, TX | 2 | 3 | 9.7% |
| Douglas County, SD | 7 | 2 | 7.7% |
| Mitchell County, IA | 3 | 5 | 7.6% |
| Lynn County, TX | 4 | 5 | 7.5% |
| Terry County, TX | 5 | 5 | 7.3% |
| Bailey County, TX | 6 | 2 | 6.9% |
| Garza County, TX | 12 | 1 | 6.3% |
| Menominee County, WI | 11 | 1 | 6.3% |
| Dewey County, OK | 11 | 1 | 5.9% |
| Unicoi County, TN | 6 | 12 | 5.5% |
| Adams County, IA | 8 | 2 | 5.4% |
| Ector County, TX | 5 | 114 | 5.3% |
Check Cardinal Financial Company, Limited Partnership yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300VORTI31GZTJL53.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Cardinal Financial Company, Limited Partnership with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology