Cardinal Financial Company, Limited Partnership
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Cardinal Financial Company, Limited Partnership 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Cardinal Financial Company, Limited Partnership 3701 Arco Corporate Dr., Suite 200 Sacramento, PA 28273 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,128 |
| Total Mortgage Loan Application Amount | $810,024,000 |
| Average Mortgage Loan Application Amount | $224,000 |
| Highest Mortgage Loan Application Amount | $1,478,000 |
| Average Applicant Income | $103,333 |
| Highest Applicant Income | $1,705,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Cardinal Financial Company, Limited Partnership. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Cardinal Financial Company, Limited Partnership's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Cardinal Financial Company, Limited Partnership's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Cardinal Financial Company, Limited Partnership serves its applicants.
Each category highlights the total number of mortgage applications processed by Cardinal Financial Company, Limited Partnership, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Cardinal Financial Company, Limited Partnership's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia County Pennsylvania | 498 | $ 99,359,000 | $ 199,000 | $ 78,000 |
| Montgomery County Pennsylvania | 299 | $ 74,006,000 | $ 247,000 | $ 105,000 |
| Bucks County Pennsylvania | 279 | $ 66,318,000 | $ 237,000 | $ 95,000 |
| Monmouth County New Jersey | 244 | $ 73,034,000 | $ 299,000 | $ 121,000 |
| Bergen County New Jersey | 239 | $ 78,037,000 | $ 326,000 | $ 127,000 |
| Chester County Pennsylvania | 195 | $ 50,058,000 | $ 256,000 | $ 119,000 |
| Middlesex County New Jersey | 134 | $ 32,934,000 | $ 245,000 | $ 100,000 |
| Ocean County New Jersey | 102 | $ 26,722,000 | $ 261,000 | $ 83,000 |
| Hudson County New Jersey | 78 | $ 22,894,000 | $ 293,000 | $ 102,000 |
| Delaware County Pennsylvania | 73 | $ 16,283,000 | $ 223,000 | $ 88,000 |
| Union County New Jersey | 70 | $ 21,066,000 | $ 300,000 | $ 122,000 |
| Lehigh County Pennsylvania | 66 | $ 12,841,000 | $ 194,000 | $ 75,000 |
| Somerset County New Jersey | 63 | $ 21,119,000 | $ 335,000 | $ 136,000 |
| Hunterdon County New Jersey | 54 | $ 16,394,000 | $ 303,000 | $ 126,000 |
| Burlington County New Jersey | 50 | $ 12,785,000 | $ 255,000 | $ 123,000 |
| Spotsylvania County Virginia | 48 | $ 13,696,000 | $ 285,000 | $ 70,000 |
| Virginia Beach County Virginia | 48 | $ 12,752,000 | $ 265,000 | $ 46,000 |
| Essex County New Jersey | 45 | $ 13,660,000 | $ 303,000 | $ 115,000 |
| Morris County New Jersey | 43 | $ 15,446,000 | $ 359,000 | $ 163,000 |
| Passaic County New Jersey | 41 | $ 11,255,000 | $ 274,000 | $ 128,000 |
| Camden County New Jersey | 27 | $ 5,335,000 | $ 197,000 | $ 116,000 |
| Chesapeake County Virginia | 25 | $ 6,494,000 | $ 259,000 | $ 51,000 |
| Cape May County New Jersey | 23 | $ 6,550,000 | $ 284,000 | $ 212,000 |
| Northampton County Pennsylvania | 23 | $ 4,681,000 | $ 203,000 | $ 93,000 |
| Prince William County Virginia | 20 | $ 5,827,000 | $ 291,000 | $ 82,000 |
| Mercer County New Jersey | 18 | $ 5,680,000 | $ 315,000 | $ 145,000 |
| Fairfax County Virginia | 18 | $ 6,751,000 | $ 375,000 | $ 105,000 |
| Gloucester County New Jersey | 17 | $ 3,492,000 | $ 205,000 | $ 110,000 |
| Cumberland County Pennsylvania | 16 | $ 3,516,000 | $ 219,000 | $ 82,000 |
| New York County New York | 15 | $ 7,411,000 | $ 494,000 | $ 142,000 |
| Berks County Pennsylvania | 15 | $ 2,963,000 | $ 197,000 | $ 67,000 |
| Stafford County Virginia | 15 | $ 4,895,000 | $ 326,000 | $ 66,000 |
| Prince George's County Maryland | 12 | $ 2,741,000 | $ 228,000 | $ 30,000 |
| Atlantic County New Jersey | 12 | $ 2,937,000 | $ 244,000 | $ 135,000 |
| York County Pennsylvania | 10 | $ 1,624,000 | $ 162,000 | $ 62,000 |
| Norfolk County Virginia | 9 | $ 1,531,000 | $ 170,000 | $ 54,000 |
| New Castle County Delaware | 8 | $ 1,608,000 | $ 201,000 | $ 81,000 |
| Nassau County New York | 8 | $ 3,460,000 | $ 432,000 | $ 191,000 |
| Bedford County Pennsylvania | 8 | $ 967,000 | $ 120,000 | $ 38,000 |
| Orange County Virginia | 8 | $ 2,048,000 | $ 256,000 | $ 34,000 |
| Sussex County New Jersey | 7 | $ 1,830,000 | $ 261,000 | $ 183,000 |
| Kings County New York | 7 | $ 3,305,000 | $ 472,000 | $ 174,000 |
| Hampton County Virginia | 7 | $ 1,111,000 | $ 158,000 | $ 37,000 |
| Suffolk County Virginia | 7 | $ 1,802,000 | $ 257,000 | $ 4,000 |
| Sussex County Delaware | 6 | $ 1,696,000 | $ 282,000 | $ 317,000 |
| District of Columbia County District Of Columbia | 6 | $ 2,195,000 | $ 365,000 | $ 131,000 |
| Richmond County New York | 6 | $ 2,277,000 | $ 379,000 | $ 108,000 |
| Warren County New Jersey | 5 | $ 1,535,000 | $ 307,000 | $ 72,000 |
| Westchester County New York | 4 | $ 1,562,000 | $ 390,000 | $ 120,000 |
| Monroe County Pennsylvania | 4 | $ 681,000 | $ 170,000 | $ 98,000 |
| King George County Virginia | 4 | $ 752,000 | $ 188,000 | $ 53,000 |
| Loudoun County Virginia | 4 | $ 1,864,000 | $ 466,000 | $ 139,000 |
| Blair County Pennsylvania | 3 | $ 301,000 | $ 100,000 | $ 53,000 |
| Luzerne County Pennsylvania | 3 | $ 341,000 | $ 113,000 | $ 113,000 |
| Fauquier County Virginia | 3 | $ 458,000 | $ 152,000 | $ 154,000 |
| Newport News County Virginia | 3 | $ 584,000 | $ 194,000 | $ 17,000 |
| Anne Arundel County Maryland | 2 | $ 724,000 | $ 362,000 | $ 117,000 |
| Baltimore County Maryland | 2 | $ 509,000 | $ 254,000 | $ 57,000 |
| Carroll County Maryland | 2 | $ 401,000 | $ 200,000 | $ 77,000 |
| Harford County Maryland | 2 | $ 345,000 | $ 172,000 | $ 104,000 |
| Salem County New Jersey | 2 | $ 252,000 | $ 126,000 | $ 81,000 |
| Orange County New York | 2 | $ 480,000 | $ 240,000 | $ 104,000 |
| Queens County New York | 2 | $ 554,000 | $ 277,000 | $ 231,000 |
| New Hanover County North Carolina | 2 | $ 332,000 | $ 166,000 | $ 55,000 |
| Adams County Pennsylvania | 2 | $ 416,000 | $ 208,000 | $ 89,000 |
| Butler County Pennsylvania | 2 | $ 505,000 | $ 252,000 | $ 112,000 |
| Carbon County Pennsylvania | 2 | $ 453,000 | $ 226,000 | $ 112,000 |
| Caroline County Virginia | 2 | $ 432,000 | $ 216,000 | $ 19,000 |
| Fredericksburg County Virginia | 2 | $ 533,000 | $ 266,000 | $ 179,000 |
| Henrico County Virginia | 2 | $ 491,000 | $ 245,000 | $ 102,000 |
| Portsmouth County Virginia | 2 | $ 213,000 | $ 106,000 | $ 44,000 |
| York County Virginia | 2 | $ 548,000 | $ 274,000 | $ 118,000 |
| Kent County Delaware | 1 | $ 254,000 | $ 254,000 | $ 125,000 |
| Hillsborough County Florida | 1 | $ 288,000 | $ 288,000 | $ 117,000 |
| Monroe County Florida | 1 | $ 252,000 | $ 252,000 | $ 133,000 |
| Orange County Florida | 1 | $ 160,000 | $ 160,000 | $ 35,000 |
| Palm Beach County Florida | 1 | $ 99,000 | $ 99,000 | $ 48,000 |
| Pinellas County Florida | 1 | $ 200,000 | $ 200,000 | $ 93,000 |
| Sarasota County Florida | 1 | $ 412,000 | $ 412,000 | $ 153,000 |
| Caroline County Maryland | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Charles County Maryland | 1 | $ 288,000 | $ 288,000 | $ 90,000 |
| Dorchester County Maryland | 1 | $ 186,000 | $ 186,000 | $ 48,000 |
| Frederick County Maryland | 1 | $ 230,000 | $ 230,000 | $ 44,000 |
| Howard County Maryland | 1 | $ 214,000 | $ 214,000 | $ 103,000 |
| Montgomery County Maryland | 1 | $ 347,000 | $ 347,000 | $ 98,000 |
| Queen Anne's County Maryland | 1 | $ 106,000 | $ 106,000 | $ 68,000 |
| Talbot County Maryland | 1 | $ 270,000 | $ 270,000 | $ 179,000 |
| Cumberland County New Jersey | 1 | $ 169,000 | $ 169,000 | $ 94,000 |
| Erie County New York | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Greene County New York | 1 | $ 131,000 | $ 131,000 | $ 142,000 |
| Otsego County New York | 1 | $ 127,000 | $ 127,000 | $ 107,000 |
| Putnam County New York | 1 | $ 511,000 | $ 511,000 | $ 125,000 |
| Rockland County New York | 1 | $ 256,000 | $ 256,000 | $ 83,000 |
| Suffolk County New York | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Durham County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 115,000 |
| Wake County North Carolina | 1 | $ 224,000 | $ 224,000 | $ 70,000 |
| Allegheny County Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 133,000 |
| Centre County Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 132,000 |
| Erie County Pennsylvania | 1 | $ 281,000 | $ 281,000 | $ 128,000 |
| Lancaster County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Pike County Pennsylvania | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Washington County Pennsylvania | 1 | $ 267,000 | $ 267,000 | $ 175,000 |
| Wayne County Pennsylvania | 1 | $ 251,000 | $ 251,000 | $ 156,000 |
| Beaufort County South Carolina | 1 | $ 356,000 | $ 356,000 | $ 159,000 |
| Chesterfield County Virginia | 1 | $ 50,000 | $ 50,000 | $ 15,000 |
| Culpeper County Virginia | 1 | $ 230,000 | $ 230,000 | $ 47,000 |
| Louisa County Virginia | 1 | $ 220,000 | $ 220,000 | $ 167,000 |
| Manassas County Virginia | 1 | $ 214,000 | $ 214,000 | $ 102,000 |
| Manassas Park County Virginia | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Mathews County Virginia | 1 | $ 158,000 | $ 158,000 | $ 81,000 |
| Northumberland County Virginia | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Powhatan County Virginia | 1 | $ 167,000 | $ 167,000 | $ 44,000 |
| Rappahannock County Virginia | 1 | $ 417,000 | $ 417,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company, Limited Partnership in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,895 | $508,122,000 | $268,000 | $1,478,000 | $106,000 | $1,705,000 |
| Home Purchase | 1,230 | $301,423,000 | $245,000 | $750,000 | $97,000 | $582,000 |
| Home Improvement | 3 | $479,000 | $159,000 | $206,000 | $107,000 | $111,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,643 | $689,132,000 | $260,000 | $1,478,000 | $105,000 | $1,705,000 |
| Hispanic | 158 | $38,167,000 | $241,000 | $1,000,000 | $79,000 | $500,000 |
| Asian | 155 | $44,079,000 | $284,000 | $860,000 | $115,000 | $328,000 |
| Black or African American | 151 | $32,631,000 | $216,000 | $635,000 | $68,000 | $311,000 |
| Not Provided | 17 | $5,379,000 | $316,000 | $835,000 | $151,000 | $396,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $503,000 | $167,000 | $228,000 | $44,000 | $62,000 |
| American Indian or Alaskan Native | 1 | $133,000 | $133,000 | $133,000 | $33,000 | $33,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,268 | $598,043,000 | $263,000 | $1,478,000 | $120,000 | $1,705,000 |
| FHA-insured (Federal Housing Administration) | 662 | $158,096,000 | $238,000 | $713,000 | $61,000 | $397,000 |
| VA-guaranteed (Veterans Administration) | 176 | $49,673,000 | $282,000 | $686,000 | $42,000 | $292,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $4,212,000 | $191,000 | $314,000 | $57,000 | $98,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,600 | $665,236,000 | $255,000 | $1,478,000 | $102,000 | $1,705,000 |
| Application Withdrawn By Applicant | 190 | $53,611,000 | $282,000 | $900,000 | $111,000 | $500,000 |
| File Closed For Incompleteness | 137 | $44,752,000 | $326,000 | $1,250,000 | $120,000 | $650,000 |
| Application Approved But Not Accepted | 109 | $25,712,000 | $235,000 | $611,000 | $95,000 | $421,000 |
| Application Denied By Financial Institution | 92 | $20,713,000 | $225,000 | $632,000 | $86,000 | $512,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 31 | $7,473,000 | $241,000 | $632,000 | $72,000 | $240,000 |
| Collateral | 27 | $5,785,000 | $214,000 | $543,000 | $100,000 | $216,000 |
| Credit History | 15 | $4,083,000 | $272,000 | $552,000 | $109,000 | $512,000 |
| Other | 7 | $1,393,000 | $199,000 | $309,000 | $109,000 | $250,000 |
| Employment History | 7 | $1,145,000 | $163,000 | $273,000 | $61,000 | $118,000 |
| Unverifiable Information | 3 | $363,000 | $121,000 | $165,000 | $36,000 | $55,000 |
| Credit Application Incomplete | 1 | $196,000 | $196,000 | $196,000 | $46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $275,000 | $275,000 | $275,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company, Limited Partnership's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cardinal Financial Company, Limited Partnership's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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