Cardinal Financial Company Limited Partnership Mortgage Rates, Fees & Info
Harrisburg, PALEI: 549300VORTI31GZTJL53
Tax ID: 23-2470039
2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Cardinal Financial Company Limited Partnership is a large mortgage company specializing in Refi and Home Purchase loans. Cardinal Financial Company Limited Partnership has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Phoenix, Washington, Dallas, Nashville, and Las Vegas among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Cardinal Financial Company Limited Partnership is typically an average fee lendor.Originations
92,867Origination Dollar Volume (All Markets)
$26,861,475,000Relative Rate
Cardinal Financial Company Limited Partnership's average 30 year fixed rate mortgage was
3.22%.
The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.
This yields a difference of -0.14%.
Relative Fees
Cardinal Financial Company Limited Partnership's average total fees for a 30 year fixed rate
mortgage are $5,975.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 70,692 | $20,777,360,000 | $293,914 | $4,496 | 3.04% |
| FHA | 13,433 | $3,214,155,000 | $239,273 | $9,647 | 3.34% |
| VA | 7,373 | $2,628,025,000 | $356,439 | $7,768 | 3.00% |
| USDA | 1,369 | $241,935,000 | $176,724 | $6,554 | 3.27% |
For the 2020 period, Cardinal Financial Company Limited Partnership's most frequently originated loan type was Conventional, with 70,692 originations. Their 2nd most popular type is FHA, with 13,433 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 42,649 | $13,278,445,000 | $311,342 | $4,307 | 2.95% |
| Home Purchase | 32,617 | $8,635,985,000 | $264,769 | $7,076 | 3.20% |
| Cash Out Refi | 12,746 | $3,619,330,000 | $283,958 | $5,675 | 3.20% |
| Home Improvement | 4,855 | $1,327,715,000 | $273,474 | $5,528 | 3.18% |
For the 2020, Cardinal Financial Company Limited Partnership's most frequently cited loan purpose was Refi, with 42,649 originations. The 2nd most popular reason was Home Purchase, with 32,617 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 72,782 | $21,456,370,000 | $294,803 | $5,975 | 3.19% |
| 15 Year | 13,979 | $3,784,855,000 | $270,753 | $3,947 | 2.64% |
| 20 Year | 3,030 | $874,460,000 | $288,601 | $4,213 | 2.99% |
| Other | 1,582 | $456,730,000 | $288,704 | $4,465 | 2.98% |
| 10 Year | 1,241 | $283,815,000 | $228,699 | $3,028 | 2.54% |
| 3 Year | 239 | $2,065,000 | $8,640 | $6 | 0.00% |
| 5 Year | 13 | $175,000 | $13,462 | $71 | 0.00% |
| 1 Year | 1 | $3,005,000 | $3,005,000 | $28,938 | 8.00% |
For the 2020, Cardinal Financial Company Limited Partnership's most frequently cited loan length was 30 Year, with 72,782 originations. The 2nd most popular length was 15 Year, with 13,979 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 28,008 | $8,063,730,000 | $287,908 |
| $<1k | 19,812 | $6,302,880,000 | $318,134 |
| $3k-4k | 16,630 | $4,302,860,000 | $258,741 |
| $2k-3k | 13,814 | $3,396,390,000 | $245,866 |
| $5k+ | 10,531 | $3,810,815,000 | $361,866 |
$5,975 was Cardinal Financial Company Limited Partnership's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 28,008 originations.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 5,576 | $1,218,290,000 | $218,488 | $5,478 | 3.20% |
| PHOENIX-MESA-CHANDLER, AZ | 3,876 | $1,048,880,000 | $270,609 | $4,480 | 3.11% |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 2,449 | $966,395,000 | $394,608 | $5,454 | 2.94% |
| DALLAS-PLANO-IRVING, TX | 3,170 | $841,220,000 | $265,369 | $5,749 | 3.03% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 2,751 | $771,455,000 | $280,427 | $5,014 | 3.08% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 2,679 | $738,265,000 | $275,575 | $5,359 | 3.09% |
| DENVER-AURORA-LAKEWOOD, CO | 1,981 | $687,835,000 | $347,216 | $4,208 | 2.99% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 2,599 | $654,065,000 | $251,660 | $5,250 | 3.07% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 2,448 | $651,600,000 | $266,176 | $5,459 | 3.08% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1,410 | $641,110,000 | $454,688 | $5,639 | 3.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 1,485 | $635,695,000 | $428,077 | $5,860 | 3.05% |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 1,552 | $607,040,000 | $391,134 | $10,321 | 3.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 2,159 | $576,245,000 | $266,904 | $5,578 | 3.05% |
| SEATTLE-BELLEVUE-KENT, WA | 1,363 | $561,445,000 | $411,919 | $4,373 | 2.96% |
| URBAN HONOLULU, HI | 908 | $539,350,000 | $593,998 | $11,592 | 2.90% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 2,139 | $500,425,000 | $233,953 | $6,127 | 3.03% |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 1,177 | $499,695,000 | $424,550 | $10,150 | 3.18% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 1,427 | $459,915,000 | $322,295 | $5,340 | 2.99% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 1,684 | $448,070,000 | $266,075 | $3,910 | 3.03% |
| OAKLAND-BERKELEY-LIVERMORE, CA | 919 | $431,705,000 | $469,755 | $4,834 | 3.05% |
| SALT LAKE CITY, UT | 1,332 | $414,590,000 | $311,254 | $5,000 | 3.16% |
| ANAHEIM-SANTA ANA-IRVINE, CA | 796 | $383,980,000 | $482,387 | $5,226 | 3.04% |
| NEW BRUNSWICK-LAKEWOOD, NJ | 1,016 | $357,610,000 | $351,978 | $6,250 | 3.02% |
| Outside of Metro Areas | 1,137 | $354,605,000 | $311,878 | $6,536 | 3.15% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 1,287 | $330,725,000 | $256,974 | $6,118 | 3.17% |
| NEWARK, NJ-PA | 981 | $328,495,000 | $334,857 | $7,085 | 3.08% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 991 | $317,235,000 | $320,116 | $5,873 | 3.08% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 978 | $313,840,000 | $320,900 | $4,849 | 2.91% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD | 742 | $293,010,000 | $394,892 | $4,285 | 2.86% |
| JACKSONVILLE, FL | 1,106 | $280,910,000 | $253,987 | $6,235 | 3.14% |
| RALEIGH-CARY, NC | 770 | $228,290,000 | $296,481 | $3,707 | 2.95% |
| SPOKANE-SPOKANE VALLEY, WA | 917 | $225,985,000 | $246,439 | $5,941 | 3.08% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 846 | $225,530,000 | $266,584 | $6,167 | 3.12% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 769 | $223,285,000 | $290,358 | $6,401 | 3.16% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 424 | $216,910,000 | $511,580 | $4,558 | 3.01% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 615 | $212,815,000 | $346,041 | $4,450 | 3.03% |
| KNOXVILLE, TN | 1,065 | $209,995,000 | $197,178 | $5,726 | 3.16% |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 781 | $199,365,000 | $255,269 | $4,688 | 2.97% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 745 | $191,245,000 | $256,705 | $6,501 | 3.12% |
| RENO, NV | 548 | $187,760,000 | $342,628 | $5,003 | 3.05% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 619 | $184,315,000 | $297,763 | $5,695 | 2.90% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 634 | $182,410,000 | $287,713 | $5,356 | 3.09% |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 448 | $178,690,000 | $398,862 | $4,260 | 2.88% |
| OGDEN-CLEARFIELD, UT | 593 | $166,285,000 | $280,413 | $5,103 | 3.22% |
| COLORADO SPRINGS, CO | 547 | $160,505,000 | $293,428 | $5,435 | 3.09% |
| BATON ROUGE, LA | 741 | $155,935,000 | $210,439 | $5,297 | 3.12% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 509 | $149,935,000 | $294,568 | $6,429 | 3.13% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 267 | $140,265,000 | $525,337 | $5,283 | 3.03% |
| TACOMA-LAKEWOOD, WA | 429 | $138,095,000 | $321,900 | $5,819 | 3.05% |
| BOSTON, MA | 316 | $131,090,000 | $414,842 | $4,617 | 2.92% |
| CINCINNATI, OH-KY-IN | 652 | $128,390,000 | $196,917 | $4,835 | 3.30% |
| MILWAUKEE-WAUKESHA, WI | 532 | $127,670,000 | $239,981 | $4,575 | 3.22% |
| PROVO-OREM, UT | 408 | $127,060,000 | $311,422 | $4,894 | 3.14% |
| MERCED, CA | 449 | $115,895,000 | $258,118 | $5,541 | 3.14% |
| WARREN-TROY-FARMINGTON HILLS, MI | 453 | $106,615,000 | $235,353 | $4,712 | 3.08% |
| CAPE CORAL-FORT MYERS, FL | 439 | $106,385,000 | $242,335 | $6,147 | 3.05% |
| WILMINGTON, DE-MD-NJ | 405 | $105,595,000 | $260,728 | $5,739 | 3.12% |
| RICHMOND, VA | 337 | $96,695,000 | $286,929 | $4,298 | 2.95% |
| FRESNO, CA | 402 | $95,810,000 | $238,333 | $6,437 | 3.13% |
| MIAMI-MIAMI BEACH-KENDALL, FL | 319 | $94,185,000 | $295,251 | $6,127 | 3.11% |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 204 | $91,890,000 | $450,441 | $5,225 | 3.02% |
| CHATTANOOGA, TN-GA | 393 | $90,405,000 | $230,038 | $4,524 | 3.16% |
| TUCSON, AZ | 384 | $88,940,000 | $231,615 | $4,402 | 3.14% |
| JOHNSON CITY, TN | 472 | $86,670,000 | $183,623 | $5,298 | 3.25% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 331 | $84,805,000 | $256,208 | $5,444 | 2.99% |
| VALLEJO, CA | 208 | $81,370,000 | $391,202 | $6,885 | 3.12% |
| WINSTON-SALEM, NC | 455 | $78,285,000 | $172,055 | $4,396 | 2.79% |
| ELKHART-GOSHEN, IN | 448 | $75,080,000 | $167,589 | $4,379 | 3.49% |
| PITTSBURGH, PA | 350 | $75,010,000 | $214,314 | $6,332 | 2.98% |
| CHARLESTON-NORTH CHARLESTON, SC | 263 | $74,145,000 | $281,920 | $6,775 | 3.20% |
| PHILADELPHIA, PA | 270 | $72,490,000 | $268,481 | $5,982 | 3.06% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 316 | $72,480,000 | $229,367 | $5,824 | 3.23% |
| ALBUQUERQUE, NM | 274 | $71,320,000 | $260,292 | $5,282 | 3.17% |
| BOULDER, CO | 182 | $69,160,000 | $380,000 | $3,141 | 2.92% |
| COEUR D'ALENE, ID | 234 | $67,830,000 | $289,872 | $6,835 | 3.13% |
| NAPLES-MARCO ISLAND, FL | 224 | $65,550,000 | $292,634 | $6,867 | 2.99% |
| NORTH PORT-SARASOTA-BRADENTON, FL | 256 | $65,130,000 | $254,414 | $5,462 | 3.09% |
| PORT ST. LUCIE, FL | 286 | $64,570,000 | $225,769 | $6,949 | 3.21% |
| LUBBOCK, TX | 317 | $64,175,000 | $202,445 | $6,200 | 3.40% |
| KINGSPORT-BRISTOL, TN-VA | 396 | $62,770,000 | $158,510 | $5,232 | 3.26% |
| COLUMBUS, OH | 228 | $58,040,000 | $254,561 | $5,076 | 3.04% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 253 | $56,595,000 | $223,696 | $5,245 | 3.03% |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 146 | $56,390,000 | $386,233 | $7,758 | 2.96% |
| NEW ORLEANS-METAIRIE, LA | 228 | $53,810,000 | $236,009 | $5,663 | 3.03% |
| COLUMBIA, SC | 219 | $53,765,000 | $245,502 | $4,734 | 3.21% |
| ST. LOUIS, MO-IL | 228 | $50,480,000 | $221,404 | $4,074 | 2.97% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 192 | $50,160,000 | $261,250 | $5,542 | 3.14% |
| PROVIDENCE-WARWICK, RI-MA | 169 | $50,145,000 | $296,716 | $4,890 | 3.08% |
| GREENVILLE-ANDERSON, SC | 227 | $49,895,000 | $219,802 | $5,267 | 3.25% |
| DURHAM-CHAPEL HILL, NC | 178 | $48,880,000 | $274,607 | $4,048 | 2.94% |
| FORT COLLINS, CO | 154 | $48,810,000 | $316,948 | $4,645 | 2.91% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 222 | $48,780,000 | $219,730 | $4,299 | 3.16% |
| CAMDEN, NJ | 202 | $48,340,000 | $239,307 | $5,582 | 3.07% |
| STOCKTON, CA | 147 | $47,375,000 | $322,279 | $5,034 | 3.10% |
| GREELEY, CO | 143 | $46,925,000 | $328,147 | $4,437 | 3.01% |
| SANTA ROSA-PETALUMA, CA | 112 | $46,790,000 | $417,768 | $6,247 | 2.97% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 205 | $43,835,000 | $213,829 | $5,356 | 3.13% |
| CLEVELAND-ELYRIA, OH | 184 | $43,000,000 | $233,696 | $4,456 | 2.94% |
| HICKORY-LENOIR-MORGANTON, NC | 209 | $40,995,000 | $196,148 | $4,696 | 3.20% |
| GREEN BAY, WI | 221 | $40,695,000 | $184,140 | $3,966 | 3.18% |
| GREENSBORO-HIGH POINT, NC | 199 | $40,225,000 | $202,136 | $4,311 | 2.89% |
| MODESTO, CA | 147 | $38,785,000 | $263,844 | $5,880 | 3.16% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 162 | $38,240,000 | $236,049 | $4,480 | 3.07% |
| EL CENTRO, CA | 185 | $38,155,000 | $206,243 | $6,110 | 3.02% |
| SALISBURY, MD-DE | 135 | $35,655,000 | $264,111 | $4,985 | 3.05% |
| MANCHESTER-NASHUA, NH | 120 | $35,360,000 | $294,667 | $5,085 | 3.07% |
| MIDLAND, MI | 193 | $35,245,000 | $182,617 | $3,629 | 3.15% |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 120 | $34,570,000 | $288,083 | $5,358 | 3.13% |
| ASHEVILLE, NC | 139 | $34,195,000 | $246,007 | $4,387 | 3.14% |
| DETROIT-DEARBORN-LIVONIA, MI | 160 | $33,410,000 | $208,813 | $4,949 | 3.06% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 118 | $33,040,000 | $280,000 | $5,229 | 3.05% |
| WORCESTER, MA-CT | 104 | $32,150,000 | $309,135 | $4,663 | 3.04% |
| FARGO, ND-MN | 156 | $31,850,000 | $204,167 | $5,093 | 2.78% |
| OLYMPIA-LACEY-TUMWATER, WA | 99 | $29,495,000 | $297,929 | $5,260 | 2.99% |
| BARNSTABLE TOWN, MA | 88 | $29,020,000 | $329,773 | $3,978 | 3.00% |
| SOUTH BEND-MISHAWAKA, IN-MI | 197 | $28,835,000 | $146,371 | $4,329 | 3.52% |
| LYNCHBURG, VA | 137 | $28,435,000 | $207,555 | $6,144 | 3.05% |
| KANSAS CITY, MO-KS | 122 | $28,430,000 | $233,033 | $4,588 | 3.11% |
| LAKELAND-WINTER HAVEN, FL | 140 | $28,260,000 | $201,857 | $6,263 | 3.16% |
| ANCHORAGE, AK | 85 | $28,245,000 | $332,294 | $6,352 | 2.83% |
| DOVER, DE | 117 | $27,705,000 | $236,795 | $6,663 | 3.31% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 110 | $27,490,000 | $249,909 | $4,010 | 2.99% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT | 107 | $27,435,000 | $256,402 | $5,990 | 3.04% |
| BIRMINGHAM-HOOVER, AL | 107 | $27,335,000 | $255,467 | $4,057 | 3.10% |
| PRESCOTT VALLEY-PRESCOTT, AZ | 100 | $26,570,000 | $265,700 | $4,866 | 3.00% |
| MEMPHIS, TN-MS-AR | 110 | $26,400,000 | $240,000 | $4,589 | 3.02% |
| SAVANNAH, GA | 113 | $26,055,000 | $230,575 | $6,714 | 3.13% |
| ELGIN, IL | 121 | $25,775,000 | $213,017 | $4,556 | 2.95% |
| SAN LUIS OBISPO-PASO ROBLES, CA | 59 | $25,735,000 | $436,186 | $6,085 | 3.04% |
| MCALLEN-EDINBURG-MISSION, TX | 138 | $25,650,000 | $185,870 | $7,648 | 3.28% |
| SANTA MARIA-SANTA BARBARA, CA | 57 | $25,465,000 | $446,754 | $4,643 | 2.94% |
| MEDFORD, OR | 96 | $25,360,000 | $264,167 | $6,758 | 3.09% |
| SALEM, OR | 88 | $25,170,000 | $286,023 | $5,250 | 3.06% |
| VISALIA, CA | 118 | $25,090,000 | $212,627 | $6,799 | 3.37% |
| TRENTON-PRINCETON, NJ | 86 | $24,990,000 | $290,581 | $5,153 | 2.84% |
| SAN RAFAEL, CA | 49 | $24,605,000 | $502,143 | $4,518 | 3.03% |
| WILMINGTON, NC | 91 | $24,295,000 | $266,978 | $5,309 | 3.04% |
| ST. GEORGE, UT | 81 | $23,845,000 | $294,383 | $4,649 | 3.09% |
| BEND, OR | 68 | $23,820,000 | $350,294 | $4,586 | 3.03% |
| TALLAHASSEE, FL | 113 | $23,465,000 | $207,655 | $4,993 | 2.90% |
| SALINAS, CA | 59 | $22,535,000 | $381,949 | $4,975 | 3.09% |
| PORTLAND-SOUTH PORTLAND, ME | 77 | $22,305,000 | $289,675 | $4,729 | 3.12% |
| SANTA CRUZ-WATSONVILLE, CA | 45 | $22,005,000 | $489,000 | $4,242 | 2.90% |
| BOISE CITY, ID | 78 | $21,620,000 | $277,179 | $5,238 | 3.11% |
| PUNTA GORDA, FL | 105 | $21,425,000 | $204,048 | $5,388 | 3.14% |
| LONGVIEW, WA | 87 | $20,535,000 | $236,034 | $5,395 | 2.86% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 64 | $20,210,000 | $315,781 | $5,676 | 3.00% |
| EUGENE-SPRINGFIELD, OR | 69 | $19,285,000 | $279,493 | $4,857 | 3.20% |
| PENSACOLA-FERRY PASS-BRENT, FL | 85 | $18,995,000 | $223,471 | $5,808 | 3.19% |
| MADERA, CA | 70 | $18,720,000 | $267,429 | $6,007 | 3.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC | 63 | $17,135,000 | $271,984 | $5,377 | 2.98% |
| LAKE HAVASU CITY-KINGMAN, AZ | 78 | $16,860,000 | $216,154 | $5,161 | 3.23% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 57 | $16,845,000 | $295,526 | $9,149 | 3.25% |
| FOND DU LAC, WI | 110 | $16,840,000 | $153,091 | $4,154 | 3.52% |
| BAKERSFIELD, CA | 72 | $16,450,000 | $228,472 | $4,495 | 3.09% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 80 | $16,210,000 | $202,625 | $5,028 | 3.12% |
| CLARKSVILLE, TN-KY | 80 | $16,180,000 | $202,250 | $4,816 | 2.97% |
| NAPA, CA | 38 | $16,050,000 | $422,368 | $6,985 | 3.05% |
| SHERMAN-DENISON, TX | 78 | $15,990,000 | $205,000 | $5,829 | 2.99% |
| CHARLOTTESVILLE, VA | 58 | $15,980,000 | $275,517 | $5,139 | 3.16% |
| GAINESVILLE, GA | 63 | $15,795,000 | $250,714 | $4,948 | 3.08% |
| KILLEEN-TEMPLE, TX | 85 | $15,655,000 | $184,176 | $5,671 | 3.21% |
| MORRISTOWN, TN | 85 | $15,435,000 | $181,588 | $5,764 | 3.17% |
| HARRISBURG-CARLISLE, PA | 73 | $15,375,000 | $210,616 | $5,555 | 3.11% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 107 | $15,375,000 | $143,692 | $4,611 | 3.28% |
| ROANOKE, VA | 62 | $15,080,000 | $243,226 | $4,675 | 3.01% |
| MADISON, WI | 51 | $14,325,000 | $280,882 | $5,740 | 3.03% |
| OMAHA-COUNCIL BLUFFS, NE-IA | 59 | $14,295,000 | $242,288 | $4,300 | 2.97% |
| KENNEWICK-RICHLAND, WA | 48 | $14,100,000 | $293,750 | $6,640 | 3.21% |
| GARY, IN | 64 | $14,060,000 | $219,688 | $4,635 | 3.09% |
| OCEAN CITY, NJ | 40 | $14,000,000 | $350,000 | $4,892 | 2.87% |
| FLAGSTAFF, AZ | 50 | $13,720,000 | $274,400 | $4,896 | 3.00% |
| NEW HAVEN-MILFORD, CT | 56 | $13,650,000 | $243,750 | $6,192 | 3.13% |
| LANCASTER, PA | 58 | $13,630,000 | $235,000 | $5,860 | 3.03% |
| BELLINGHAM, WA | 40 | $13,440,000 | $336,000 | $3,525 | 3.00% |
| SAN ANGELO, TX | 70 | $13,330,000 | $190,429 | $7,148 | 3.31% |
| GRAND RAPIDS-KENTWOOD, MI | 56 | $12,660,000 | $226,071 | $4,345 | 2.91% |
| HUNTSVILLE, AL | 46 | $12,540,000 | $272,609 | $5,078 | 2.96% |
| AKRON, OH | 50 | $12,490,000 | $249,800 | $4,134 | 3.08% |
| PANAMA CITY, FL | 54 | $12,480,000 | $231,111 | $6,451 | 3.37% |
| OCALA, FL | 70 | $12,440,000 | $177,714 | $5,587 | 3.28% |
| FAYETTEVILLE, NC | 55 | $12,385,000 | $225,182 | $4,873 | 3.13% |
| GAINESVILLE, FL | 48 | $12,040,000 | $250,833 | $5,261 | 3.09% |
| CLEVELAND, TN | 70 | $11,880,000 | $169,714 | $4,705 | 3.06% |
| OKLAHOMA CITY, OK | 45 | $11,775,000 | $261,667 | $4,454 | 2.99% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 48 | $11,760,000 | $245,000 | $4,492 | 3.34% |
| ROCHESTER, MN | 55 | $11,295,000 | $205,364 | $5,400 | 2.96% |
| DULUTH, MN-WI | 59 | $11,115,000 | $188,390 | $4,856 | 3.10% |
| EL PASO, TX | 58 | $11,090,000 | $191,207 | $5,104 | 3.06% |
| READING, PA | 56 | $10,940,000 | $195,357 | $6,227 | 3.09% |
| ATLANTIC CITY-HAMMONTON, NJ | 52 | $10,890,000 | $209,423 | $5,139 | 3.00% |
| APPLETON, WI | 49 | $10,745,000 | $219,286 | $4,507 | 3.23% |
| HOUMA-THIBODAUX, LA | 59 | $10,575,000 | $179,237 | $6,682 | 3.25% |
| WINCHESTER, VA-WV | 42 | $10,560,000 | $251,429 | $4,830 | 3.03% |
| SAGINAW, MI | 59 | $9,945,000 | $168,559 | $3,950 | 3.19% |
| SPARTANBURG, SC | 50 | $9,930,000 | $198,600 | $6,199 | 3.38% |
| YORK-HANOVER, PA | 47 | $9,905,000 | $210,745 | $5,016 | 2.88% |
| SIOUX FALLS, SD | 43 | $9,885,000 | $229,884 | $4,881 | 3.19% |
| PUEBLO, CO | 48 | $9,840,000 | $205,000 | $5,391 | 3.02% |
| SCRANTON--WILKES-BARRE, PA | 53 | $9,825,000 | $185,377 | $5,384 | 3.15% |
| LOGAN, UT-ID | 40 | $9,790,000 | $244,750 | $5,420 | 3.25% |
| MOBILE, AL | 57 | $9,675,000 | $169,737 | $5,425 | 3.10% |
| DES MOINES-WEST DES MOINES, IA | 44 | $9,560,000 | $217,273 | $8,340 | 3.22% |
| ATHENS-CLARKE COUNTY, GA | 37 | $9,485,000 | $256,351 | $4,426 | 3.08% |
| MIDLAND, TX | 34 | $9,470,000 | $278,529 | $6,704 | 3.48% |
| DALTON, GA | 59 | $9,415,000 | $159,576 | $5,043 | 3.44% |
| LEXINGTON-FAYETTE, KY | 44 | $9,410,000 | $213,864 | $3,924 | 3.03% |
| DAYTON-KETTERING, OH | 45 | $9,355,000 | $207,889 | $5,115 | 3.21% |
| VINELAND-BRIDGETON, NJ | 53 | $9,165,000 | $172,925 | $5,875 | 2.97% |
| SEBASTIAN-VERO BEACH, FL | 43 | $9,125,000 | $212,209 | $5,202 | 3.19% |
| BROWNSVILLE-HARLINGEN, TX | 46 | $8,770,000 | $190,652 | $6,625 | 3.22% |
| ANN ARBOR, MI | 34 | $8,610,000 | $253,235 | $4,974 | 3.08% |
| TULSA, OK | 32 | $8,320,000 | $260,000 | $4,509 | 2.94% |
| RACINE, WI | 41 | $8,265,000 | $201,585 | $6,179 | 3.36% |
| BUFFALO-CHEEKTOWAGA, NY | 33 | $7,855,000 | $238,030 | $6,137 | 3.45% |
| BISMARCK, ND | 29 | $7,775,000 | $268,103 | $5,204 | 3.05% |
| ST. CLOUD, MN | 49 | $7,735,000 | $157,857 | $5,632 | 3.17% |
| CALIFORNIA-LEXINGTON PARK, MD | 24 | $7,430,000 | $309,583 | $4,901 | 2.84% |
| COLLEGE STATION-BRYAN, TX | 30 | $7,420,000 | $247,333 | $5,268 | 3.09% |
| LANSING-EAST LANSING, MI | 40 | $7,270,000 | $181,750 | $5,247 | 3.23% |
| LAS CRUCES, NM | 36 | $7,220,000 | $200,556 | $5,712 | 3.51% |
| THE VILLAGES, FL | 29 | $7,155,000 | $246,724 | $4,979 | 2.97% |
| LAFAYETTE, LA | 33 | $7,145,000 | $216,515 | $4,501 | 3.09% |
| KAHULUI-WAILUKU-LAHAINA, HI | 14 | $6,890,000 | $492,143 | $10,210 | 3.22% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 26 | $6,790,000 | $261,154 | $4,278 | 2.85% |
| JANESVILLE-BELOIT, WI | 40 | $6,780,000 | $169,500 | $6,098 | 3.17% |
| NORWICH-NEW LONDON, CT | 28 | $6,580,000 | $235,000 | $5,859 | 3.19% |
| BURLINGTON, NC | 29 | $6,535,000 | $225,345 | $4,389 | 3.12% |
| CORPUS CHRISTI, TX | 29 | $6,465,000 | $222,931 | $5,386 | 3.12% |
| LEWISTON, ID-WA | 27 | $6,465,000 | $239,444 | $6,806 | 3.03% |
| KALAMAZOO-PORTAGE, MI | 35 | $6,465,000 | $184,714 | $4,118 | 3.13% |
| CHICO, CA | 21 | $6,405,000 | $305,000 | $5,940 | 3.11% |
| WACO, TX | 33 | $6,365,000 | $192,879 | $4,742 | 3.26% |
| MOUNT VERNON-ANACORTES, WA | 20 | $6,320,000 | $316,000 | $4,362 | 3.07% |
| CARSON CITY, NV | 20 | $6,310,000 | $315,500 | $4,195 | 2.92% |
| CEDAR RAPIDS, IA | 33 | $6,295,000 | $190,758 | $6,061 | 3.15% |
| HAGERSTOWN-MARTINSBURG, MD-WV | 28 | $6,290,000 | $224,643 | $5,721 | 3.22% |
| OSHKOSH-NEENAH, WI | 37 | $6,165,000 | $166,622 | $3,680 | 3.22% |
| GRAND JUNCTION, CO | 23 | $6,135,000 | $266,739 | $4,952 | 3.08% |
| MACON-BIBB COUNTY, GA | 33 | $6,065,000 | $183,788 | $5,741 | 3.34% |
| WENATCHEE, WA | 19 | $6,025,000 | $317,105 | $5,147 | 3.04% |
| EAST STROUDSBURG, PA | 33 | $5,985,000 | $181,364 | $6,434 | 3.16% |
| ROCHESTER, NY | 33 | $5,855,000 | $177,424 | $7,274 | 3.58% |
| ODESSA, TX | 24 | $5,690,000 | $237,083 | $7,718 | 3.28% |
| ERIE, PA | 39 | $5,665,000 | $145,256 | $6,878 | 3.11% |
| LAKE CHARLES, LA | 23 | $5,665,000 | $246,304 | $6,701 | 3.27% |
| SPRINGFIELD, MO | 31 | $5,665,000 | $182,742 | $4,411 | 3.14% |
| TYLER, TX | 24 | $5,570,000 | $232,083 | $5,463 | 3.25% |
| BLACKSBURG-CHRISTIANSBURG, VA | 24 | $5,390,000 | $224,583 | $5,474 | 2.93% |
| TOLEDO, OH | 23 | $5,125,000 | $222,826 | $4,150 | 3.14% |
| SANTA FE, NM | 17 | $5,125,000 | $301,471 | $5,045 | 3.10% |
| LAREDO, TX | 24 | $5,060,000 | $210,833 | $7,638 | 3.72% |
| YUBA CITY, CA | 18 | $5,040,000 | $280,000 | $6,996 | 3.10% |
| ALBANY-LEBANON, OR | 22 | $4,970,000 | $225,909 | $5,553 | 3.22% |
| SPRINGFIELD, MA | 15 | $4,845,000 | $323,000 | $3,865 | 2.91% |
| CORVALLIS, OR | 16 | $4,840,000 | $302,500 | $4,474 | 2.78% |
| BRUNSWICK, GA | 23 | $4,795,000 | $208,478 | $5,794 | 3.24% |
| HAMMOND, LA | 27 | $4,795,000 | $177,593 | $6,147 | 3.14% |
| EAU CLAIRE, WI | 21 | $4,785,000 | $227,857 | $5,435 | 3.28% |
| COLUMBUS, GA-AL | 27 | $4,765,000 | $176,481 | $4,966 | 3.14% |
| FLINT, MI | 27 | $4,735,000 | $175,370 | $4,929 | 3.23% |
| JACKSONVILLE, NC | 26 | $4,720,000 | $181,538 | $4,792 | 3.18% |
| CHEYENNE, WY | 15 | $4,665,000 | $311,000 | $4,488 | 3.20% |
| BAY CITY, MI | 32 | $4,600,000 | $143,750 | $3,818 | 3.08% |
| MISSOULA, MT | 14 | $4,580,000 | $327,143 | $3,963 | 3.03% |
| DECATUR, AL | 22 | $4,550,000 | $206,818 | $5,204 | 3.32% |
| RAPID CITY, SD | 18 | $4,510,000 | $250,556 | $6,285 | 2.88% |
| BEAUMONT-PORT ARTHUR, TX | 23 | $4,465,000 | $194,130 | $6,060 | 3.35% |
| HOMOSASSA SPRINGS, FL | 24 | $4,410,000 | $183,750 | $5,651 | 3.26% |
| STATE COLLEGE, PA | 22 | $4,400,000 | $200,000 | $6,060 | 2.87% |
| HANFORD-CORCORAN, CA | 20 | $4,370,000 | $218,500 | $5,605 | 3.21% |
| REDDING, CA | 17 | $4,315,000 | $253,824 | $5,228 | 3.25% |
| ALBANY-SCHENECTADY-TROY, NY | 20 | $4,140,000 | $207,000 | $6,837 | 3.51% |
| JACKSON, TN | 21 | $4,075,000 | $194,048 | $4,343 | 3.08% |
| YAKIMA, WA | 15 | $4,045,000 | $269,667 | $5,411 | 2.88% |
| MONTGOMERY, AL | 20 | $3,970,000 | $198,500 | $4,039 | 3.19% |
| GRANTS PASS, OR | 16 | $3,940,000 | $246,250 | $5,968 | 3.13% |
| GREENVILLE, NC | 17 | $3,925,000 | $230,882 | $4,279 | 3.14% |
| EVANSVILLE, IN-KY | 21 | $3,805,000 | $181,190 | $4,278 | 3.11% |
| ROME, GA | 19 | $3,805,000 | $200,263 | $5,288 | 3.28% |
| GETTYSBURG, PA | 11 | $3,735,000 | $339,545 | $5,441 | 2.78% |
| HINESVILLE, GA | 20 | $3,710,000 | $185,500 | $7,609 | 3.52% |
| SHREVEPORT-BOSSIER CITY, LA | 14 | $3,650,000 | $260,714 | $4,022 | 3.23% |
| BILLINGS, MT | 13 | $3,625,000 | $278,846 | $3,899 | 2.92% |
| SEBRING-AVON PARK, FL | 23 | $3,615,000 | $157,174 | $5,393 | 3.45% |
| JACKSON, MI | 23 | $3,535,000 | $153,696 | $4,417 | 3.45% |
| LONGVIEW, TX | 19 | $3,415,000 | $179,737 | $4,987 | 3.10% |
| WARNER ROBINS, GA | 18 | $3,400,000 | $188,889 | $5,166 | 3.14% |
| AUBURN-OPELIKA, AL | 16 | $3,390,000 | $211,875 | $3,719 | 3.33% |
| NEW BERN, NC | 17 | $3,375,000 | $198,529 | $4,943 | 3.20% |
| SIERRA VISTA-DOUGLAS, AZ | 19 | $3,355,000 | $176,579 | $4,795 | 2.97% |
| FLORENCE, SC | 16 | $3,330,000 | $208,125 | $4,315 | 2.97% |
| COLUMBIA, MO | 13 | $3,305,000 | $254,231 | $3,940 | 3.14% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 15 | $3,295,000 | $219,667 | $5,519 | 3.12% |
| VALDOSTA, GA | 15 | $3,215,000 | $214,333 | $3,905 | 3.06% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 18 | $3,210,000 | $178,333 | $4,593 | 3.10% |
| LEWISTON-AUBURN, ME | 14 | $3,190,000 | $227,857 | $5,889 | 3.20% |
| SHEBOYGAN, WI | 19 | $3,175,000 | $167,105 | $4,146 | 3.35% |
| FORT WAYNE, IN | 17 | $3,125,000 | $183,824 | $5,223 | 3.00% |
| KANKAKEE, IL | 15 | $3,065,000 | $204,333 | $5,451 | 3.14% |
| JACKSON, MS | 17 | $2,955,000 | $173,824 | $4,481 | 3.41% |
| AMARILLO, TX | 19 | $2,935,000 | $154,474 | $5,740 | 3.28% |
| JONESBORO, AR | 12 | $2,930,000 | $244,167 | $5,552 | 2.96% |
| YUMA, AZ | 14 | $2,920,000 | $208,571 | $4,956 | 3.39% |
| BURLINGTON-SOUTH BURLINGTON, VT | 8 | $2,910,000 | $363,750 | $7,430 | 3.00% |
| STAUNTON, VA | 13 | $2,875,000 | $221,154 | $4,906 | 3.13% |
| ABILENE, TX | 12 | $2,830,000 | $235,833 | $4,940 | 2.79% |
| LINCOLN, NE | 11 | $2,775,000 | $252,273 | $4,638 | 2.76% |
| HARRISONBURG, VA | 10 | $2,650,000 | $265,000 | $3,994 | 3.16% |
| NILES, MI | 14 | $2,590,000 | $185,000 | $4,289 | 2.81% |
| CANTON-MASSILLON, OH | 16 | $2,540,000 | $158,750 | $3,933 | 3.22% |
| ROCKFORD, IL | 14 | $2,530,000 | $180,714 | $4,761 | 3.04% |
| ELIZABETHTOWN-FORT KNOX, KY | 9 | $2,345,000 | $260,556 | $3,943 | 2.69% |
| SPRINGFIELD, OH | 13 | $2,325,000 | $178,846 | $5,767 | 3.29% |
| PEORIA, IL | 15 | $2,295,000 | $153,000 | $6,712 | 3.28% |
| WICHITA, KS | 10 | $2,250,000 | $225,000 | $4,256 | 2.80% |
| ALEXANDRIA, LA | 11 | $2,185,000 | $198,636 | $4,733 | 3.02% |
| PITTSFIELD, MA | 7 | $2,175,000 | $310,714 | $4,531 | 2.80% |
| TUSCALOOSA, AL | 10 | $2,110,000 | $211,000 | $3,613 | 3.14% |
| BLOOMINGTON, IN | 9 | $2,075,000 | $230,556 | $4,242 | 3.11% |
| ALBANY, GA | 10 | $2,040,000 | $204,000 | $4,706 | 3.15% |
| HUNTINGTON-ASHLAND, WV-KY-OH | 8 | $2,000,000 | $250,000 | $6,667 | 2.88% |
| GRAND FORKS, ND-MN | 11 | $1,985,000 | $180,455 | $4,467 | 3.20% |
| MONROE, MI | 10 | $1,950,000 | $195,000 | $4,562 | 3.18% |
| KINGSTON, NY | 7 | $1,935,000 | $276,429 | $7,444 | 3.30% |
| CHAMPAIGN-URBANA, IL | 9 | $1,845,000 | $205,000 | $3,799 | 3.03% |
| SUMTER, SC | 9 | $1,815,000 | $201,667 | $5,603 | 3.11% |
| SYRACUSE, NY | 8 | $1,810,000 | $226,250 | $7,311 | 3.14% |
| WAUSAU-WESTON, WI | 8 | $1,770,000 | $221,250 | $5,362 | 2.76% |
| MUSKEGON, MI | 10 | $1,750,000 | $175,000 | $4,489 | 3.21% |
| LEBANON, PA | 8 | $1,730,000 | $216,250 | $5,217 | 3.02% |
| DOTHAN, AL | 7 | $1,725,000 | $246,429 | $4,639 | 3.13% |
| LAFAYETTE-WEST LAFAYETTE, IN | 7 | $1,725,000 | $246,429 | $3,748 | 2.88% |
| DUBUQUE, IA | 9 | $1,695,000 | $188,333 | $5,921 | 3.44% |
| IOWA CITY, IA | 8 | $1,660,000 | $207,500 | $4,294 | 3.50% |
| COLUMBUS, IN | 7 | $1,615,000 | $230,714 | $4,264 | 2.84% |
| SIOUX CITY, IA-NE-SD | 8 | $1,610,000 | $201,250 | $8,297 | 3.22% |
| HATTIESBURG, MS | 9 | $1,475,000 | $163,889 | $5,728 | 3.04% |
| TWIN FALLS, ID | 7 | $1,465,000 | $209,286 | $5,327 | 3.03% |
| ROCKY MOUNT, NC | 7 | $1,455,000 | $207,857 | $5,445 | 3.18% |
| IDAHO FALLS, ID | 6 | $1,450,000 | $241,667 | $4,491 | 3.13% |
| FARMINGTON, NM | 9 | $1,425,000 | $158,333 | $6,237 | 3.12% |
| GULFPORT-BILOXI, MS | 11 | $1,425,000 | $129,545 | $5,521 | 2.92% |
| MICHIGAN CITY-LA PORTE, IN | 10 | $1,420,000 | $142,000 | $5,618 | 3.45% |
| MONROE, LA | 7 | $1,395,000 | $199,286 | $3,878 | 3.21% |
| GADSDEN, AL | 6 | $1,250,000 | $208,333 | $4,636 | 3.33% |
| WILLIAMSPORT, PA | 8 | $1,240,000 | $155,000 | $5,932 | 3.25% |
| AMES, IA | 7 | $1,235,000 | $176,429 | $8,959 | 2.80% |
| LAWTON, OK | 5 | $1,225,000 | $245,000 | $5,681 | 2.98% |
| LA CROSSE-ONALASKA, WI-MN | 7 | $1,155,000 | $165,000 | $4,216 | 3.07% |
| HOT SPRINGS, AR | 5 | $1,135,000 | $227,000 | $3,929 | 3.35% |
| GOLDSBORO, NC | 8 | $1,130,000 | $141,250 | $6,037 | 3.03% |
| WICHITA FALLS, TX | 7 | $1,115,000 | $159,286 | $4,133 | 3.45% |
| CHAMBERSBURG-WAYNESBORO, PA | 6 | $1,110,000 | $185,000 | $4,902 | 3.25% |
| BOWLING GREEN, KY | 7 | $1,085,000 | $155,000 | $4,035 | 3.50% |
| JOPLIN, MO | 5 | $1,055,000 | $211,000 | $4,655 | 3.33% |
| MANKATO, MN | 5 | $1,045,000 | $209,000 | $3,041 | 2.92% |
| BATTLE CREEK, MI | 7 | $1,045,000 | $149,286 | $2,696 | 3.43% |
| WALLA WALLA, WA | 4 | $1,030,000 | $257,500 | $5,975 | 3.06% |
| ST. JOSEPH, MO-KS | 7 | $1,015,000 | $145,000 | $4,710 | 3.04% |
| MANSFIELD, OH | 6 | $1,000,000 | $166,667 | $5,351 | 3.52% |
| FLORENCE-MUSCLE SHOALS, AL | 6 | $950,000 | $158,333 | $3,330 | 3.39% |
| TOPEKA, KS | 4 | $890,000 | $222,500 | $4,883 | 2.47% |
| VICTORIA, TX | 4 | $850,000 | $212,500 | $5,994 | 3.19% |
| BLOOMINGTON, IL | 7 | $835,000 | $119,286 | $3,269 | 2.68% |
| CUMBERLAND, MD-WV | 5 | $835,000 | $167,000 | $6,944 | 3.05% |
| CHARLESTON, WV | 3 | $815,000 | $271,667 | $8,586 | 3.13% |
| MORGANTOWN, WV | 3 | $815,000 | $271,667 | $5,072 | 2.79% |
| FAIRBANKS, AK | 3 | $815,000 | $271,667 | $2,428 | 2.42% |
| WATERLOO-CEDAR FALLS, IA | 4 | $800,000 | $200,000 | $7,153 | 3.63% |
| LAWRENCE, KS | 3 | $795,000 | $265,000 | $4,566 | 2.88% |
| GLENS FALLS, NY | 2 | $790,000 | $395,000 | $8,671 | 2.88% |
| SPRINGFIELD, IL | 4 | $740,000 | $185,000 | $3,614 | 3.31% |
| KOKOMO, IN | 3 | $735,000 | $245,000 | $4,953 | 3.08% |
| OWENSBORO, KY | 5 | $645,000 | $129,000 | $5,271 | 3.80% |
| GREAT FALLS, MT | 3 | $605,000 | $201,667 | $4,583 | 2.79% |
| POCATELLO, ID | 3 | $585,000 | $195,000 | $4,450 | 3.37% |
| TERRE HAUTE, IN | 5 | $575,000 | $115,000 | $4,556 | 3.75% |
| ALTOONA, PA | 3 | $565,000 | $188,333 | $5,228 | 3.04% |
| TEXARKANA, TX-AR | 2 | $530,000 | $265,000 | $7,075 | 3.81% |
| CAPE GIRARDEAU, MO-IL | 2 | $530,000 | $265,000 | $4,020 | 2.13% |
| FORT SMITH, AR-OK | 3 | $525,000 | $175,000 | $6,079 | 3.21% |
| ANNISTON-OXFORD, AL | 5 | $525,000 | $105,000 | $5,000 | 4.07% |
| CARBONDALE-MARION, IL | 3 | $495,000 | $165,000 | $9,387 | 3.75% |
| WATERTOWN-FORT DRUM, NY | 2 | $480,000 | $240,000 | $10,209 | 2.75% |
| BINGHAMTON, NY | 4 | $480,000 | $120,000 | $5,965 | 3.50% |
| PINE BLUFF, AR | 2 | $420,000 | $210,000 | $6,550 | 3.13% |
| WHEELING, WV-OH | 2 | $400,000 | $200,000 | $4,389 | 3.13% |
| MANHATTAN, KS | 3 | $395,000 | $131,667 | $4,306 | 3.46% |
| BECKLEY, WV | 3 | $385,000 | $128,333 | $5,385 | 3.33% |
| CASPER, WY | 2 | $380,000 | $190,000 | $2,956 | 2.75% |
| DANVILLE, IL | 2 | $340,000 | $170,000 | $7,264 | 3.81% |
| LIMA, OH | 2 | $300,000 | $150,000 | $8,936 | 3.19% |
| JOHNSTOWN, PA | 2 | $270,000 | $135,000 | $5,300 | 2.94% |
| PARKERSBURG-VIENNA, WV | 1 | $265,000 | $265,000 | $2,706 | 3.12% |
| JEFFERSON CITY, MO | 2 | $250,000 | $125,000 | $6,732 | 3.44% |
| BLOOMSBURG-BERWICK, PA | 2 | $240,000 | $120,000 | $4,170 | 3.06% |
| DECATUR, IL | 1 | $135,000 | $135,000 | $4,438 | 3.13% |
| UTICA-ROME, NY | 1 | $135,000 | $135,000 | $4,312 | 2.75% |
| ELMIRA, NY | 1 | $125,000 | $125,000 | $8,018 | 5.00% |
Cardinal Financial Company Limited Partnership's top markets include Phoenix, Washington, Dallas, Nashville, and Las Vegas among others.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 38,978 | $11,949,540,000 | $306,571 |
| 3-4% | 38,876 | $10,934,560,000 | $281,268 |
| <2.5% | 10,773 | $3,071,805,000 | $285,139 |
| 4-5% | 3,579 | $783,085,000 | $218,800 |
| 5-6% | 614 | $116,790,000 | $190,212 |
| 6-7% | 23 | $2,395,000 | $104,130 |
| 7-8% | 23 | $3,155,000 | $137,174 |
| Over 8% | 1 | $145,000 | $145,000 |
During 2020, Cardinal Financial Company Limited Partnership's average interest rate was 3.22%, while their most frequently originated rate bucket was 2.5-3%, with 38,978 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 48,149 | $13,844,295,000 | $287,530 | $5,616 | 3.07% |
| $100k-200k | 22,743 | $3,561,225,000 | $156,586 | $4,962 | 3.23% |
| $400k-600k | 15,298 | $7,208,070,000 | $471,177 | $5,919 | 3.00% |
| $100,000 or less | 3,912 | $224,670,000 | $57,431 | $2,990 | 2.71% |
| $600k-1MM | 2,626 | $1,842,450,000 | $701,618 | $9,654 | 3.09% |
| $1MM+ | 139 | $180,765,000 | $1,300,468 | $20,181 | 3.06% |
2020 saw Cardinal Financial Company Limited Partnership place emphasis on $200k-400k loans with 48,149 originations, totaling $13,844,295,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 22,128 | $7,139,170,000 | $322,631 | $5,512 | 3.07% |
| $50k-75k | 18,880 | $4,085,250,000 | $216,380 | $5,832 | 3.15% |
| $75k-100k | 16,150 | $4,348,310,000 | $269,245 | $5,944 | 3.13% |
| $150k-250k | 15,663 | $5,959,305,000 | $380,470 | $5,098 | 3.00% |
| $50k or less | 14,649 | $2,982,345,000 | $203,587 | $5,283 | 3.11% |
| $250k+ | 5,397 | $2,347,095,000 | $434,889 | $5,258 | 2.96% |
Cardinal Financial Company Limited Partnership lent most frequently to those with incomes in the $100k-150k range, with 22,128 originations. The second most popular income band? $50k-75k, with 18,880 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 20,331 | $5,983,925,000 | $294,325 | $4,565 | 3.02% |
| 30-36% | 15,916 | $4,586,320,000 | $288,158 | $5,197 | 3.09% |
| <20% | 11,643 | $3,599,865,000 | $309,187 | $4,349 | 2.92% |
| 50-60% | 4,573 | $1,240,645,000 | $271,298 | $10,130 | 3.20% |
| 44% | 3,734 | $1,023,380,000 | $274,071 | $6,024 | 3.16% |
| 42% | 3,328 | $940,160,000 | $282,500 | $5,852 | 3.16% |
| 43% | 3,250 | $914,190,000 | $281,289 | $5,904 | 3.16% |
| 41% | 3,202 | $893,650,000 | $279,091 | $5,831 | 3.18% |
| 40% | 3,115 | $868,045,000 | $278,666 | $5,799 | 3.16% |
| 39% | 3,080 | $891,080,000 | $289,312 | $5,638 | 3.14% |
| 36% | 2,920 | $823,470,000 | $282,010 | $5,434 | 3.12% |
| 38% | 2,903 | $822,915,000 | $283,471 | $5,549 | 3.14% |
| 37% | 2,884 | $817,480,000 | $283,454 | $5,519 | 3.13% |
| 49% | 2,752 | $777,690,000 | $282,591 | $6,434 | 3.14% |
| 45% | 2,524 | $720,800,000 | $285,578 | $6,274 | 3.17% |
| 48% | 2,187 | $616,625,000 | $281,950 | $6,551 | 3.14% |
| 46% | 2,160 | $623,980,000 | $288,880 | $6,385 | 3.13% |
| 47% | 2,144 | $619,590,000 | $288,988 | $6,439 | 3.16% |
| >60% | 221 | $97,665,000 | $441,923 | $11,592 | 3.17% |
Cardinal Financial Company Limited Partnership lent most frequently to those with DTI ratios of 20-30%, with 20,331 originations. The next most common DTI ratio? 30-36%, with 15,916 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 66,258 | $18,656,800,000 | $281,578 | $5,459 | 3.10% |
| Not provided | 13,170 | $4,003,900,000 | $304,017 | $5,385 | 3.04% |
| Asian | 5,547 | $1,952,235,000 | $351,944 | $5,197 | 2.95% |
| Black | 5,577 | $1,452,245,000 | $260,399 | $7,344 | 3.18% |
| Asian Indian | 990 | $362,900,000 | $366,566 | $3,549 | 2.80% |
| American Indian | 407 | $120,455,000 | $295,958 | $6,098 | 3.08% |
| Native Hawaiian | 238 | $87,520,000 | $367,731 | $7,941 | 3.14% |
| Filipino | 190 | $60,130,000 | $316,474 | $5,708 | 3.02% |
| Other Asian | 150 | $51,190,000 | $341,267 | $5,135 | 3.02% |
| Chinese | 130 | $45,370,000 | $349,000 | $3,776 | 2.92% |
| Vietnamese | 72 | $22,860,000 | $317,500 | $3,770 | 2.93% |
| Korean | 58 | $21,270,000 | $366,724 | $3,788 | 2.85% |
| Japanese | 34 | $11,040,000 | $324,706 | $4,172 | 3.01% |
| Other Pacific Islander | 32 | $9,560,000 | $298,750 | $8,741 | 3.13% |
| Native Hawiian | 6 | $1,880,000 | $313,333 | $6,232 | 2.98% |
| Guamanian | 6 | $1,650,000 | $275,000 | $8,760 | 3.04% |
| Samoan | 2 | $470,000 | $235,000 | $10,290 | 3.06% |
Approval Rates
Total approvals of all applications79.33%
Cardinal Financial Company Limited Partnership has a below average approval rate.
Pick Rate
Approvals leading to origination18.98%
Cardinal Financial Company Limited Partnership has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 92,867 | $26,861,475,000 | $289,247 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 948 | $146,140,000 | $154,156 |
| Single Family (1-4 Units):Site-Built | 91,919 | $26,715,335,000 | $290,640 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 3,480 | $834,070,000 | $239,675 | $4,000 | 2.88% |
| 40-60% | 15,242 | $4,480,850,000 | $293,980 | $4,020 | 2.90% |
| 60-80% | 33,519 | $10,281,495,000 | $306,736 | $4,840 | 3.11% |
| 80-100% | 37,510 | $10,576,320,000 | $281,960 | $6,783 | 3.23% |
| Over 100% | 1,624 | $633,570,000 | $390,129 | $12,894 | 3.06% |
| Under 20% | 1,492 | $55,170,000 | $36,977 | $579 | 1.34% |