Cardinal Financial Company Limited Partnership Mortgage Rates, Fees & Info

Harrisburg, PA

LEI: 549300VORTI31GZTJL53

Tax ID: 23-2470039

2020 Data | 2019 Data | 2018 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

92,867

Origination Dollar Volume (All Markets)

$26,861,475,000

Relative 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 applications
79.33%

Cardinal Financial Company Limited Partnership has a below average approval rate.

Pick Rate

Approvals leading to origination
18.98%

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%