Cardinal Financial Company, Li Mortgage Lending & HMDA Data, 2015

In 2015, Cardinal Financial Company, Li of Charlotte, NC reported 29,933 mortgage applications totaling $8.1 billion, up 71% from 2014. The average application was for $268,946, and applicants reported an average income of $115,587. 63% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (1,432), Atlanta-Sandy Springs-Roswell, GA (1,208) and Washington-Arlington-Alexandria, DC-VA-MD-WV (1,047) (applications in parentheses).

Mortgage Company & Address Cardinal Financial Company, Li
3530 Toringdon Way Ste 200
Charlotte, NC 28277
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 29,933
Total Mortgage Loan Application Amount $8,050,372,000
Average Mortgage Loan Application Amount $268,946
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $115,587
Highest Applicant Income $5,200,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cardinal Financial Company, Li filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Cardinal Financial Company, Li by County in 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 1,305 $ 317,484,000 $ 243,282 $ 97,000
Clark, Nevada 901 $ 217,507,000 $ 241,406 $ 104,000
Los Angeles, California 845 $ 316,279,000 $ 374,294 $ 132,000
Harris, Texas 545 $ 136,366,000 $ 250,212 $ 132,000
Mecklenburg, North Carolina 466 $ 112,680,000 $ 241,802 $ 116,000
King, Washington 453 $ 162,109,000 $ 357,856 $ 127,000
Orange, California 392 $ 158,908,000 $ 405,377 $ 129,000
San Diego, California 387 $ 140,052,000 $ 361,891 $ 124,000
Cook, Illinois 347 $ 93,096,000 $ 268,288 $ 128,000
Fairfax, Virginia 318 $ 119,732,000 $ 376,515 $ 146,000
Collin, Texas 312 $ 83,885,000 $ 268,862 $ 130,000
Wake, North Carolina 311 $ 83,734,000 $ 269,241 $ 114,000
Riverside, California 284 $ 80,385,000 $ 283,045 $ 101,000
Fulton, Georgia 275 $ 81,828,000 $ 297,556 $ 134,000
Broward, Florida 274 $ 76,207,000 $ 278,127 $ 139,000
Alameda, California 255 $ 113,099,000 $ 443,525 $ 145,000
Santa Clara, California 250 $ 117,052,000 $ 468,208 $ 153,000
Dallas, Texas 242 $ 62,119,000 $ 256,690 $ 136,000
Oakland, Michigan 236 $ 52,715,000 $ 223,368 $ 119,000
San Bernardino, California 232 $ 64,467,000 $ 277,875 $ 109,000
Tarrant, Texas 229 $ 52,182,000 $ 227,868 $ 132,000
Sacramento, California 227 $ 59,661,000 $ 262,823 $ 110,000
Denton, Texas 227 $ 60,794,000 $ 267,814 $ 126,000
Fort Bend, Texas 226 $ 58,403,000 $ 258,420 $ 126,000
Travis, Texas 225 $ 63,313,000 $ 281,391 $ 144,000
Pima, Arizona 223 $ 45,481,000 $ 203,950 $ 81,000
Palm Beach, Florida 208 $ 55,348,000 $ 266,096 $ 119,000
Montgomery, Maryland 200 $ 71,374,000 $ 356,870 $ 137,000
Miami-Dade, Florida 196 $ 58,276,000 $ 297,326 $ 127,000
Gwinnett, Georgia 188 $ 40,545,000 $ 215,664 $ 98,000
Cobb, Georgia 186 $ 45,704,000 $ 245,720 $ 124,000
Loudoun, Virginia 186 $ 72,917,000 $ 392,026 $ 134,000
Contra Costa, California 180 $ 70,254,000 $ 390,300 $ 125,000
Washoe, Nevada 179 $ 48,105,000 $ 268,743 $ 105,000
Multnomah, Oregon 174 $ 46,618,000 $ 267,919 $ 102,000
Hennepin, Minnesota 170 $ 42,925,000 $ 252,500 $ 125,000
Washington, Oregon 149 $ 41,225,000 $ 276,677 $ 103,000
Middlesex, New Jersey 147 $ 43,303,000 $ 294,578 $ 133,000
Hillsborough, Florida 142 $ 35,379,000 $ 249,147 $ 116,000
DeKalb, Georgia 142 $ 39,439,000 $ 277,739 $ 118,000
Snohomish, Washington 139 $ 42,317,000 $ 304,438 $ 110,000
Bexar, Texas 136 $ 31,220,000 $ 229,558 $ 101,000
Williamson, Texas 135 $ 31,936,000 $ 236,562 $ 112,000
District of Columbia, District Of Columbia 133 $ 54,804,000 $ 412,060 $ 135,000
Orange, Florida 133 $ 31,271,000 $ 235,120 $ 116,000
Union, North Carolina 129 $ 34,900,000 $ 270,542 $ 112,000
Pinal, Arizona 127 $ 23,638,000 $ 186,125 $ 65,000
Philadelphia, Pennsylvania 125 $ 30,510,000 $ 244,080 $ 122,000
Pinellas, Florida 124 $ 29,605,000 $ 238,750 $ 111,000
Clackamas, Oregon 121 $ 35,106,000 $ 290,132 $ 111,000
Lee, Florida 117 $ 25,899,000 $ 221,358 $ 125,000
Denver, Colorado 116 $ 35,650,000 $ 307,327 $ 125,000
Salt Lake, Utah 115 $ 31,562,000 $ 274,452 $ 107,000
Prince William, Virginia 115 $ 36,536,000 $ 317,704 $ 118,000
York, South Carolina 113 $ 27,868,000 $ 246,619 $ 142,000
Pierce, Washington 113 $ 29,768,000 $ 263,433 $ 89,000
Montgomery, Pennsylvania 111 $ 31,087,000 $ 280,063 $ 131,000
Bucks, Pennsylvania 109 $ 30,317,000 $ 278,137 $ 132,000
Ventura, California 108 $ 42,336,000 $ 392,000 $ 127,000
Bernalillo, New Mexico 107 $ 22,936,000 $ 214,355 $ 90,000
Jefferson, Colorado 103 $ 28,988,000 $ 281,436 $ 105,000
Anne Arundel, Maryland 102 $ 30,187,000 $ 295,950 $ 125,000
Charleston, South Carolina 102 $ 28,972,000 $ 284,039 $ 109,000
Douglas, Colorado 101 $ 31,518,000 $ 312,059 $ 119,000
Forsyth, Georgia 101 $ 27,145,000 $ 268,762 $ 125,000
New Castle, Delaware 98 $ 26,728,000 $ 272,734 $ 117,000
San Mateo, California 97 $ 47,712,000 $ 491,876 $ 158,000
DuPage, Illinois 96 $ 24,408,000 $ 254,250 $ 119,000
Montgomery, Texas 96 $ 25,904,000 $ 269,833 $ 159,000
Bergen, New Jersey 95 $ 35,279,000 $ 371,357 $ 150,000
Arapahoe, Colorado 94 $ 27,949,000 $ 297,329 $ 112,000
Franklin, Ohio 93 $ 21,545,000 $ 231,666 $ 114,000
Wayne, Michigan 89 $ 18,150,000 $ 203,932 $ 110,000
Prince George's, Maryland 88 $ 24,120,000 $ 274,090 $ 108,000
Placer, California 87 $ 27,833,000 $ 319,919 $ 128,000
Howard, Maryland 87 $ 30,395,000 $ 349,367 $ 132,000
Clark, Washington 87 $ 21,530,000 $ 247,471 $ 104,000
Baltimore, Maryland 85 $ 20,675,000 $ 243,235 $ 101,000
Cherokee, Georgia 83 $ 18,304,000 $ 220,530 $ 90,000
Duval, Florida 81 $ 18,377,000 $ 226,876 $ 93,000
Chester, Pennsylvania 81 $ 25,748,000 $ 317,876 $ 141,000
Davidson, Tennessee 81 $ 17,886,000 $ 220,814 $ 91,000
Monmouth, New Jersey 80 $ 30,410,000 $ 380,125 $ 158,000
Fresno, California 79 $ 18,458,000 $ 233,645 $ 118,000
Solano, California 79 $ 23,820,000 $ 301,518 $ 113,000
Seminole, Florida 75 $ 19,242,000 $ 256,560 $ 118,000
Lehigh, Pennsylvania 75 $ 14,428,000 $ 192,373 $ 93,000
San Joaquin, California 74 $ 20,795,000 $ 281,013 $ 102,000
Sonoma, California 73 $ 26,478,000 $ 362,712 $ 114,000
Horry, South Carolina 73 $ 15,486,000 $ 212,136 $ 106,000
Morris, New Jersey 72 $ 24,641,000 $ 342,236 $ 153,000
Yavapai, Arizona 70 $ 16,457,000 $ 235,100 $ 84,000
Brevard, Florida 70 $ 14,973,000 $ 213,900 $ 110,000
Macomb, Michigan 69 $ 14,383,000 $ 208,449 $ 90,000
Shelby, Tennessee 69 $ 16,821,000 $ 243,782 $ 113,000
Fairfield, Connecticut 68 $ 26,267,000 $ 386,279 $ 157,000
Lake, Illinois 67 $ 18,253,000 $ 272,432 $ 135,000
Kern, California 66 $ 15,482,000 $ 234,575 $ 113,000
Will, Illinois 65 $ 15,653,000 $ 240,815 $ 113,000
Hudson, New Jersey 65 $ 19,263,000 $ 296,353 $ 144,000
Manatee, Florida 64 $ 17,515,000 $ 273,671 $ 134,000
Cabarrus, North Carolina 64 $ 13,989,000 $ 218,578 $ 96,000
Mohave, Arizona 63 $ 11,651,000 $ 184,936 $ 77,000
Ocean, New Jersey 63 $ 16,056,000 $ 254,857 $ 115,000
Guilford, North Carolina 63 $ 14,444,000 $ 229,269 $ 115,000
St. Johns, Florida 62 $ 15,158,000 $ 244,483 $ 111,000
Cuyahoga, Ohio 62 $ 13,247,000 $ 213,661 $ 135,000
San Francisco, California 61 $ 35,983,000 $ 589,885 $ 192,000
Frederick, Maryland 61 $ 17,756,000 $ 291,081 $ 115,000
Greenville, South Carolina 61 $ 14,521,000 $ 238,049 $ 95,000
El Paso, Colorado 60 $ 16,183,000 $ 269,716 $ 112,000
Utah, Utah 59 $ 16,895,000 $ 286,355 $ 117,000
Collier, Florida 57 $ 16,422,000 $ 288,105 $ 136,000
Sarasota, Florida 55 $ 12,783,000 $ 232,418 $ 117,000
Stanislaus, California 54 $ 12,715,000 $ 235,462 $ 95,000
Buncombe, North Carolina 54 $ 15,265,000 $ 282,685 $ 118,000
Durham, North Carolina 54 $ 11,545,000 $ 213,796 $ 107,000
Adams, Colorado 52 $ 12,917,000 $ 248,403 $ 109,000
Pasco, Florida 51 $ 10,498,000 $ 205,843 $ 94,000
Johnson, Kansas 51 $ 11,894,000 $ 233,215 $ 104,000
Washington, Minnesota 50 $ 12,744,000 $ 254,880 $ 169,000
Essex, New Jersey 50 $ 16,266,000 $ 325,320 $ 150,000
Williamson, Tennessee 50 $ 18,076,000 $ 361,520 $ 176,000
Volusia, Florida 49 $ 8,960,000 $ 182,857 $ 123,000
St. Louis, Missouri 49 $ 11,625,000 $ 237,244 $ 132,000
Somerset, New Jersey 49 $ 15,201,000 $ 310,224 $ 143,000
El Paso, Texas 49 $ 10,191,000 $ 207,979 $ 91,000
Allegheny, Pennsylvania 48 $ 11,883,000 $ 247,562 $ 118,000
Virginia Beach, Virginia 48 $ 13,265,000 $ 276,354 $ 110,000
Jefferson, Alabama 47 $ 10,779,000 $ 229,340 $ 106,000
Boulder, Colorado 47 $ 15,254,000 $ 324,553 $ 130,000
Brazoria, Texas 47 $ 9,537,000 $ 202,914 $ 123,000
El Dorado, California 46 $ 15,068,000 $ 327,565 $ 132,000
Livingston, Michigan 46 $ 9,620,000 $ 209,130 $ 96,000
Kane, Illinois 45 $ 9,672,000 $ 214,933 $ 121,000
Coconino, Arizona 44 $ 10,667,000 $ 242,431 $ 99,000
Hamilton, Indiana 44 $ 10,737,000 $ 244,022 $ 119,000
New Hanover, North Carolina 44 $ 11,295,000 $ 256,704 $ 116,000
Richland, South Carolina 44 $ 8,330,000 $ 189,318 $ 84,000
Spokane, Washington 44 $ 9,223,000 $ 209,613 $ 92,000
Santa Barbara, California 43 $ 14,606,000 $ 339,674 $ 101,000
Coweta, Georgia 43 $ 9,055,000 $ 210,581 $ 104,000
Jefferson, Kentucky 43 $ 9,532,000 $ 221,674 $ 107,000
Ramsey, Minnesota 43 $ 9,313,000 $ 216,581 $ 111,000
Gaston, North Carolina 43 $ 7,957,000 $ 185,046 $ 78,000
Deschutes, Oregon 43 $ 11,143,000 $ 259,139 $ 120,000
Lane, Oregon 43 $ 8,720,000 $ 202,790 $ 93,000
Knox, Tennessee 43 $ 9,957,000 $ 231,558 $ 123,000
Dakota, Minnesota 42 $ 11,689,000 $ 278,309 $ 134,000
Iredell, North Carolina 42 $ 11,370,000 $ 270,714 $ 112,000
Madison, Alabama 41 $ 9,980,000 $ 243,414 $ 115,000
Polk, Florida 41 $ 8,438,000 $ 205,804 $ 99,000
Mercer, New Jersey 41 $ 10,736,000 $ 261,853 $ 140,000
Northampton, Pennsylvania 41 $ 9,194,000 $ 224,243 $ 110,000
Providence, Rhode Island 41 $ 9,211,000 $ 224,658 $ 112,000
Beaufort, South Carolina 41 $ 13,316,000 $ 324,780 $ 142,000
Lancaster, South Carolina 41 $ 9,716,000 $ 236,975 $ 83,000
Hamilton, Tennessee 41 $ 9,383,000 $ 228,853 $ 99,000
Marion, Indiana 40 $ 6,855,000 $ 171,375 $ 88,000
Burlington, New Jersey 40 $ 10,307,000 $ 257,675 $ 143,000
Union, New Jersey 40 $ 12,315,000 $ 307,875 $ 129,000
Marion, Oregon 40 $ 7,929,000 $ 198,225 $ 82,000
New Haven, Connecticut 39 $ 9,006,000 $ 230,923 $ 118,000
Delaware, Pennsylvania 39 $ 9,824,000 $ 251,897 $ 114,000
Arlington, Virginia 39 $ 18,912,000 $ 484,923 $ 190,000
San Luis Obispo, California 38 $ 14,425,000 $ 379,605 $ 134,000
Hartford, Connecticut 38 $ 7,859,000 $ 206,815 $ 120,000
Passaic, New Jersey 38 $ 11,255,000 $ 296,184 $ 125,000
Catawba, North Carolina 38 $ 8,375,000 $ 220,394 $ 91,000
Berkeley, South Carolina 38 $ 8,164,000 $ 214,842 $ 75,000
Larimer, Colorado 37 $ 8,439,000 $ 228,081 $ 81,000
St. Lucie, Florida 37 $ 7,524,000 $ 203,351 $ 98,000
Douglas, Nebraska 37 $ 8,599,000 $ 232,405 $ 104,000
Hamilton, Ohio 37 $ 9,745,000 $ 263,378 $ 160,000
Santa Cruz, California 36 $ 15,711,000 $ 436,416 $ 144,000
Washtenaw, Michigan 36 $ 8,446,000 $ 234,611 $ 129,000
Oklahoma, Oklahoma 36 $ 7,706,000 $ 214,055 $ 141,000
McHenry, Illinois 35 $ 8,011,000 $ 228,885 $ 117,000
Summit, Ohio 35 $ 7,164,000 $ 204,685 $ 116,000
Jackson, Oregon 35 $ 7,683,000 $ 219,514 $ 83,000
York, Pennsylvania 35 $ 7,438,000 $ 212,514 $ 92,000
Chesterfield, Virginia 35 $ 8,300,000 $ 237,142 $ 114,000
Shelby, Alabama 34 $ 8,453,000 $ 248,617 $ 104,000
Martin, Florida 34 $ 8,628,000 $ 253,764 $ 126,000
Harford, Maryland 34 $ 8,889,000 $ 261,441 $ 127,000
Hillsborough, New Hampshire 34 $ 7,918,000 $ 232,882 $ 128,000
Dorchester, South Carolina 34 $ 7,236,000 $ 212,823 $ 89,000
Galveston, Texas 34 $ 8,136,000 $ 239,294 $ 121,000
Monterey, California 33 $ 12,803,000 $ 387,969 $ 158,000
Delaware, Ohio 33 $ 8,505,000 $ 257,727 $ 122,000
Cochise, Arizona 32 $ 5,997,000 $ 187,406 $ 73,000
Camden, New Jersey 32 $ 6,370,000 $ 199,062 $ 85,000
Hays, Texas 32 $ 8,298,000 $ 259,312 $ 127,000
Charlotte, Florida 31 $ 7,054,000 $ 227,548 $ 101,000
Santa Fe, New Mexico 31 $ 8,904,000 $ 287,225 $ 125,000
Henrico, Virginia 31 $ 8,774,000 $ 283,032 $ 93,000
Weld, Colorado 30 $ 7,607,000 $ 253,566 $ 106,000
Lake, Florida 30 $ 6,666,000 $ 222,200 $ 104,000
Fayette, Georgia 30 $ 7,088,000 $ 236,266 $ 107,000
Henry, Georgia 30 $ 5,784,000 $ 192,800 $ 91,000
Lake, Indiana 30 $ 6,591,000 $ 219,700 $ 87,000
Kitsap, Washington 30 $ 8,123,000 $ 270,766 $ 108,000
Marin, California 29 $ 16,559,000 $ 571,000 $ 194,000
Sussex, Delaware 29 $ 7,192,000 $ 248,000 $ 117,000
Carroll, Maryland 29 $ 8,179,000 $ 282,034 $ 116,000
St. Charles, Missouri 29 $ 5,346,000 $ 184,344 $ 99,000
Warren, Ohio 29 $ 8,357,000 $ 288,172 $ 134,000
Milwaukee, Wisconsin 29 $ 6,283,000 $ 216,655 $ 138,000
Osceola, Florida 28 $ 6,375,000 $ 227,678 $ 103,000
Baltimore City, Maryland 28 $ 5,788,000 $ 206,714 $ 101,000
Dona Ana, New Mexico 27 $ 5,548,000 $ 205,481 $ 90,000
Sandoval, New Mexico 27 $ 6,086,000 $ 225,407 $ 85,000
Nassau, New York 27 $ 9,875,000 $ 365,740 $ 173,000
Lexington, South Carolina 27 $ 5,380,000 $ 199,259 $ 76,000
Thurston, Washington 27 $ 7,244,000 $ 268,296 $ 87,000
Chatham, Georgia 26 $ 5,860,000 $ 225,384 $ 101,000
Brunswick, North Carolina 26 $ 5,869,000 $ 225,730 $ 121,000
Lincoln, North Carolina 26 $ 7,901,000 $ 303,884 $ 122,000
Lucas, Ohio 26 $ 4,290,000 $ 165,000 $ 89,000
Tulsa, Oklahoma 26 $ 5,630,000 $ 216,538 $ 108,000
Berks, Pennsylvania 26 $ 5,359,000 $ 206,115 $ 88,000
Rockwall, Texas 26 $ 7,616,000 $ 292,923 $ 144,000
Alachua, Florida 25 $ 4,195,000 $ 167,800 $ 106,000
Forsyth, North Carolina 25 $ 5,561,000 $ 222,440 $ 105,000
Johnston, North Carolina 25 $ 4,296,000 $ 171,840 $ 86,000
Baldwin, Alabama 24 $ 6,622,000 $ 275,916 $ 127,000
Douglas, Nevada 24 $ 5,802,000 $ 241,750 $ 131,000
Suffolk, New York 24 $ 9,178,000 $ 382,416 $ 355,000
Westchester, New York 24 $ 8,279,000 $ 344,958 $ 162,000
Comal, Texas 24 $ 6,783,000 $ 282,625 $ 128,000
Alexandria, Virginia 24 $ 8,614,000 $ 358,916 $ 136,000
Stafford, Virginia 24 $ 7,049,000 $ 293,708 $ 107,000
Clay, Florida 23 $ 5,325,000 $ 231,521 $ 102,000
Hall, Georgia 23 $ 5,491,000 $ 238,739 $ 105,000
Jefferson, Louisiana 23 $ 5,417,000 $ 235,521 $ 125,000
Kent, Michigan 23 $ 5,172,000 $ 224,869 $ 91,000
Yellowstone, Montana 23 $ 4,845,000 $ 210,652 $ 106,000
Cumberland, North Carolina 23 $ 4,296,000 $ 186,782 $ 60,000
Davis, Utah 23 $ 6,159,000 $ 267,782 $ 88,000
Whatcom, Washington 23 $ 6,339,000 $ 275,608 $ 100,000
Paulding, Georgia 22 $ 4,426,000 $ 201,181 $ 93,000
Orange, North Carolina 22 $ 6,076,000 $ 276,181 $ 137,000
Yamhill, Oregon 22 $ 5,254,000 $ 238,818 $ 65,000
Lancaster, Pennsylvania 22 $ 4,231,000 $ 192,318 $ 81,000
Minnehaha, South Dakota 22 $ 4,869,000 $ 221,318 $ 119,000
Napa, California 21 $ 7,242,000 $ 344,857 $ 120,000
Kent, Delaware 21 $ 4,552,000 $ 216,761 $ 75,000
Okaloosa, Florida 21 $ 5,618,000 $ 267,523 $ 109,000
Orleans, Louisiana 21 $ 6,503,000 $ 309,666 $ 123,000
Charles, Maryland 21 $ 5,550,000 $ 264,285 $ 98,000
Anoka, Minnesota 21 $ 4,249,000 $ 202,333 $ 103,000
Jackson, Missouri 21 $ 4,363,000 $ 207,761 $ 96,000
Merced, California 20 $ 4,228,000 $ 211,400 $ 82,000
Yolo, California 20 $ 6,070,000 $ 303,500 $ 111,000
Flagler, Florida 20 $ 3,907,000 $ 195,350 $ 108,000
Douglas, Georgia 20 $ 3,617,000 $ 180,850 $ 74,000
Cumberland, Maine 20 $ 5,309,000 $ 265,450 $ 133,000
Genesee, Michigan 20 $ 4,078,000 $ 203,900 $ 104,000
Rockingham, New Hampshire 20 $ 4,858,000 $ 242,900 $ 115,000
Atlantic, New Jersey 20 $ 4,583,000 $ 229,150 $ 102,000
Gloucester, New Jersey 20 $ 4,337,000 $ 216,850 $ 104,000
Lorain, Ohio 20 $ 4,007,000 $ 200,350 $ 94,000
Sumner, Tennessee 20 $ 4,392,000 $ 219,600 $ 99,000
Hidalgo, Texas 20 $ 3,429,000 $ 171,450 $ 88,000
Chesapeake, Virginia 20 $ 5,510,000 $ 275,500 $ 93,000
Fauquier, Virginia 20 $ 6,755,000 $ 337,750 $ 98,000
Navajo, Arizona 19 $ 3,635,000 $ 191,315 $ 109,000
Yuma, Arizona 19 $ 3,254,000 $ 171,263 $ 116,000
Escambia, Florida 19 $ 3,801,000 $ 200,052 $ 87,000
Leon, Florida 19 $ 5,049,000 $ 265,736 $ 104,000
Hendricks, Indiana 19 $ 3,880,000 $ 204,210 $ 95,000
East Baton Rouge, Louisiana 19 $ 4,891,000 $ 257,421 $ 145,000
Ottawa, Michigan 19 $ 3,595,000 $ 189,210 $ 70,000
Onslow, North Carolina 19 $ 3,481,000 $ 183,210 $ 76,000
Cass, North Dakota 19 $ 3,997,000 $ 210,368 $ 80,000
Butler, Ohio 19 $ 3,604,000 $ 189,684 $ 98,000
Medina, Ohio 19 $ 4,571,000 $ 240,578 $ 140,000
Butler, Pennsylvania 19 $ 4,851,000 $ 255,315 $ 142,000
Spartanburg, South Carolina 19 $ 4,221,000 $ 222,157 $ 90,000
Rutherford, Tennessee 19 $ 4,038,000 $ 212,526 $ 93,000
Ellis, Texas 19 $ 4,529,000 $ 238,368 $ 129,000
Nueces, Texas 19 $ 4,370,000 $ 230,000 $ 141,000
Tulare, California 18 $ 3,777,000 $ 209,833 $ 96,000
Indian River, Florida 18 $ 4,645,000 $ 258,055 $ 100,000
Hunterdon, New Jersey 18 $ 4,495,000 $ 249,722 $ 140,000
Rowan, North Carolina 18 $ 3,421,000 $ 190,055 $ 89,000
Stark, Ohio 18 $ 3,501,000 $ 194,500 $ 93,000
Washington, Rhode Island 18 $ 4,883,000 $ 271,277 $ 163,000
McLennan, Texas 18 $ 3,937,000 $ 218,722 $ 101,000
Island, Washington 18 $ 4,191,000 $ 232,833 $ 75,000
Waukesha, Wisconsin 18 $ 4,939,000 $ 274,388 $ 141,000
Mobile, Alabama 17 $ 3,134,000 $ 184,352 $ 92,000
Nevada, California 17 $ 4,762,000 $ 280,117 $ 102,000
Columbia, Georgia 17 $ 3,861,000 $ 227,117 $ 93,000
Fayette, Kentucky 17 $ 3,625,000 $ 213,235 $ 103,000
Calvert, Maryland 17 $ 4,654,000 $ 273,764 $ 86,000
Scott, Minnesota 17 $ 4,033,000 $ 237,235 $ 85,000
Missoula, Montana 17 $ 3,835,000 $ 225,588 $ 139,000
Carson City, Nevada 17 $ 3,766,000 $ 221,529 $ 82,000
Albemarle, Virginia 17 $ 4,834,000 $ 284,352 $ 102,000
Hanover, Virginia 17 $ 4,261,000 $ 250,647 $ 101,000
Richmond City, Virginia 17 $ 4,907,000 $ 288,647 $ 126,000
Spotsylvania, Virginia 17 $ 4,979,000 $ 292,882 $ 96,000
Tuscaloosa, Alabama 16 $ 4,053,000 $ 253,312 $ 104,000
Gila, Arizona 16 $ 2,907,000 $ 181,687 $ 73,000
Butte, California 16 $ 4,183,000 $ 261,437 $ 83,000
Santa Rosa, Florida 16 $ 4,035,000 $ 252,187 $ 70,000
Jackson, Georgia 16 $ 3,130,000 $ 195,625 $ 95,000
Muscogee, Georgia 16 $ 3,106,000 $ 194,125 $ 95,000
Porter, Indiana 16 $ 3,942,000 $ 246,375 $ 109,000
St. Joseph, Indiana 16 $ 2,737,000 $ 171,062 $ 86,000
Sarpy, Nebraska 16 $ 3,815,000 $ 238,437 $ 119,000
San Juan, New Mexico 16 $ 2,966,000 $ 185,375 $ 85,000
Watauga, North Carolina 16 $ 3,900,000 $ 243,750 $ 129,000
Bell, Texas 16 $ 3,444,000 $ 215,250 $ 79,000
Washington, Utah 16 $ 4,807,000 $ 300,437 $ 82,000
Benton, Washington 16 $ 3,201,000 $ 200,062 $ 88,000
Honolulu, Hawaii 15 $ 6,157,000 $ 410,466 $ 125,000
Allen, Indiana 15 $ 2,843,000 $ 189,533 $ 96,000
Lancaster, Nebraska 15 $ 3,014,000 $ 200,933 $ 86,000
Kings, New York 15 $ 8,096,000 $ 539,733 $ 151,000
Jackson, North Carolina 15 $ 3,720,000 $ 248,000 $ 111,000
Moore, North Carolina 15 $ 3,724,000 $ 248,266 $ 96,000
Portage, Ohio 15 $ 3,474,000 $ 231,600 $ 99,000
Anderson, South Carolina 15 $ 3,175,000 $ 211,666 $ 108,000
Georgetown, South Carolina 15 $ 3,457,000 $ 230,466 $ 108,000
Wilson, Tennessee 15 $ 3,155,000 $ 210,333 $ 88,000
Lee, Alabama 14 $ 3,402,000 $ 243,000 $ 79,000
Sumter, Florida 14 $ 2,779,000 $ 198,500 $ 80,000
Camden, Georgia 14 $ 2,396,000 $ 171,142 $ 85,000
Monroe, Michigan 14 $ 3,644,000 $ 260,285 $ 158,000
Cape May, New Jersey 14 $ 4,753,000 $ 339,500 $ 158,000
Chatham, North Carolina 14 $ 3,683,000 $ 263,071 $ 105,000
Harnett, North Carolina 14 $ 2,843,000 $ 203,071 $ 73,000
Henderson, North Carolina 14 $ 2,548,000 $ 182,000 $ 83,000
Benton, Oregon 14 $ 3,024,000 $ 216,000 $ 82,000
Josephine, Oregon 14 $ 2,999,000 $ 214,214 $ 43,000
Adams, Pennsylvania 14 $ 3,315,000 $ 236,785 $ 116,000
Cumberland, Pennsylvania 14 $ 2,867,000 $ 204,785 $ 115,000
Monroe, Pennsylvania 14 $ 2,418,000 $ 172,714 $ 94,000
Brazos, Texas 14 $ 2,843,000 $ 203,071 $ 118,000
Midland, Texas 14 $ 3,352,000 $ 239,428 $ 116,000
Parker, Texas 14 $ 3,151,000 $ 225,071 $ 86,000
Smith, Texas 14 $ 2,911,000 $ 207,928 $ 152,000
Montgomery, Virginia 14 $ 2,908,000 $ 207,714 $ 96,000
San Benito, California 13 $ 3,866,000 $ 297,384 $ 111,000
La Plata, Colorado 13 $ 3,119,000 $ 239,923 $ 113,000
Bay, Florida 13 $ 2,647,000 $ 203,615 $ 120,000
Hernando, Florida 13 $ 1,892,000 $ 145,538 $ 54,000
Carroll, Georgia 13 $ 2,397,000 $ 184,384 $ 74,000
Boone, Kentucky 13 $ 2,989,000 $ 229,923 $ 75,000
St. Tammany, Louisiana 13 $ 3,135,000 $ 241,153 $ 112,000
St. Mary's, Maryland 13 $ 3,265,000 $ 251,153 $ 114,000
Ingham, Michigan 13 $ 2,156,000 $ 165,846 $ 93,000
Wright, Minnesota 13 $ 2,891,000 $ 222,384 $ 101,000
Gallatin, Montana 13 $ 3,788,000 $ 291,384 $ 130,000
Lyon, Nevada 13 $ 2,476,000 $ 190,461 $ 82,000
Eddy, New Mexico 13 $ 2,192,000 $ 168,615 $ 83,000
Geauga, Ohio 13 $ 3,647,000 $ 280,538 $ 139,000
Wood, Ohio 13 $ 2,434,000 $ 187,230 $ 108,000
Tillamook, Oregon 13 $ 3,235,000 $ 248,846 $ 158,000
Pike, Pennsylvania 13 $ 1,988,000 $ 152,923 $ 105,000
Cowlitz, Washington 13 $ 3,586,000 $ 275,846 $ 83,000
Tolland, Connecticut 12 $ 2,936,000 $ 244,666 $ 108,000
Harris, Georgia 12 $ 3,695,000 $ 307,916 $ 98,000
Walton, Georgia 12 $ 2,173,000 $ 181,083 $ 107,000
Carver, Minnesota 12 $ 3,386,000 $ 282,166 $ 174,000
Erie, New York 12 $ 2,143,000 $ 178,583 $ 82,000
Dare, North Carolina 12 $ 3,808,000 $ 317,333 $ 152,000
Davidson, North Carolina 12 $ 2,399,000 $ 199,916 $ 63,000
Pender, North Carolina 12 $ 3,143,000 $ 261,916 $ 92,000
Clermont, Ohio 12 $ 3,374,000 $ 281,166 $ 126,000
Montgomery, Ohio 12 $ 2,421,000 $ 201,750 $ 93,000
Cleveland, Oklahoma 12 $ 2,555,000 $ 212,916 $ 166,000
Curry, Oregon 12 $ 2,564,000 $ 213,666 $ 74,000
Dauphin, Pennsylvania 12 $ 2,092,000 $ 174,333 $ 73,000
Franklin, Pennsylvania 12 $ 2,263,000 $ 188,583 $ 69,000
Cameron, Texas 12 $ 2,110,000 $ 175,833 $ 68,000
Guadalupe, Texas 12 $ 2,409,000 $ 200,750 $ 86,000
Summit, Utah 12 $ 3,936,000 $ 328,000 $ 169,000
Skagit, Washington 12 $ 3,371,000 $ 280,916 $ 99,000
Yakima, Washington 12 $ 2,067,000 $ 172,250 $ 105,000
Dane, Wisconsin 12 $ 3,518,000 $ 293,166 $ 151,000
Citrus, Florida 11 $ 2,094,000 $ 190,363 $ 101,000
Monroe, Florida 11 $ 7,419,000 $ 674,454 $ 364,000
Bartow, Georgia 11 $ 2,552,000 $ 232,000 $ 105,000
Kendall, Illinois 11 $ 2,730,000 $ 248,181 $ 91,000
Johnson, Indiana 11 $ 2,049,000 $ 186,272 $ 89,000
Polk, Iowa 11 $ 2,274,000 $ 206,727 $ 76,000
Oldham, Kentucky 11 $ 3,579,000 $ 325,363 $ 124,000
Lafayette, Louisiana 11 $ 2,348,000 $ 213,454 $ 105,000
Kalamazoo, Michigan 11 $ 2,549,000 $ 231,727 $ 128,000
Sherburne, Minnesota 11 $ 2,126,000 $ 193,272 $ 107,000
Pitt, North Carolina 11 $ 2,071,000 $ 188,272 $ 94,000
Fairfield, Ohio 11 $ 2,086,000 $ 189,636 $ 81,000
Columbia, Oregon 11 $ 2,384,000 $ 216,727 $ 72,000
Douglas, Oregon 11 $ 1,751,000 $ 159,181 $ 69,000
Luzerne, Pennsylvania 11 $ 2,115,000 $ 192,272 $ 79,000
Montgomery, Tennessee 11 $ 2,594,000 $ 235,818 $ 89,000
Washington, Tennessee 11 $ 3,062,000 $ 278,363 $ 124,000
Jefferson, Texas 11 $ 3,145,000 $ 285,909 $ 169,000
Frederick, Virginia 11 $ 2,725,000 $ 247,727 $ 84,000
Elmore, Alabama 10 $ 2,013,000 $ 201,300 $ 88,000
Benton, Arkansas 10 $ 2,881,000 $ 288,100 $ 128,000
Pulaski, Arkansas 10 $ 2,130,000 $ 213,000 $ 130,000
Mendocino, California 10 $ 3,432,000 $ 343,200 $ 96,000
Garfield, Colorado 10 $ 2,681,000 $ 268,100 $ 99,000
Middlesex, Connecticut 10 $ 2,104,000 $ 210,400 $ 117,000
New London, Connecticut 10 $ 2,388,000 $ 238,800 $ 110,000
Marion, Florida 10 $ 2,576,000 $ 257,600 $ 134,000
Scott, Iowa 10 $ 2,424,000 $ 242,400 $ 126,000
Washington, Maryland 10 $ 1,866,000 $ 186,600 $ 127,000
Worcester, Maryland 10 $ 2,045,000 $ 204,500 $ 131,000
Platte, Missouri 10 $ 1,848,000 $ 184,800 $ 122,000
Valencia, New Mexico 10 $ 1,806,000 $ 180,600 $ 76,000
Bronx, New York 10 $ 3,728,000 $ 372,800 $ 193,000
Richmond, New York 10 $ 2,680,000 $ 268,000 $ 124,000
Carteret, North Carolina 10 $ 2,943,000 $ 294,300 $ 143,000
Williams, North Dakota 10 $ 2,370,000 $ 237,000 $ 89,000
Rogers, Oklahoma 10 $ 2,254,000 $ 225,400 $ 124,000
Coos, Oregon 10 $ 2,075,000 $ 207,500 $ 89,000
Lincoln, Oregon 10 $ 1,993,000 $ 199,300 $ 92,000
Linn, Oregon 10 $ 1,803,000 $ 180,300 $ 75,000
Washington, Pennsylvania 10 $ 2,311,000 $ 231,100 $ 116,000
Kent, Rhode Island 10 $ 1,807,000 $ 180,700 $ 72,000
Newport, Rhode Island 10 $ 2,686,000 $ 268,600 $ 146,000
Aiken, South Carolina 10 $ 1,968,000 $ 196,800 $ 87,000
Sevier, Tennessee 10 $ 1,916,000 $ 191,600 $ 116,000
Johnson, Texas 10 $ 2,012,000 $ 201,200 $ 104,000
Kaufman, Texas 10 $ 2,148,000 $ 214,800 $ 84,000
Franklin, Virginia 10 $ 2,593,000 $ 259,300 $ 123,000
James City, Virginia 10 $ 3,345,000 $ 334,500 $ 148,000
Broomfield, Colorado 9 $ 2,698,000 $ 299,777 $ 143,000
Nassau, Florida 9 $ 2,169,000 $ 241,000 $ 119,000
Walton, Florida 9 $ 2,802,000 $ 311,333 $ 184,000
Bibb, Georgia 9 $ 1,532,000 $ 170,222 $ 59,000
Rockdale, Georgia 9 $ 1,748,000 $ 194,222 $ 69,000
Hancock, Indiana 9 $ 1,551,000 $ 172,333 $ 68,000
York, Maine 9 $ 2,233,000 $ 248,111 $ 114,000
Cecil, Maryland 9 $ 2,469,000 $ 274,333 $ 85,000
Berrien, Michigan 9 $ 2,159,000 $ 239,888 $ 125,000
Grand Traverse, Michigan 9 $ 1,726,000 $ 191,777 $ 104,000
St. Clair, Michigan 9 $ 1,534,000 $ 170,444 $ 67,000
St. Louis, Minnesota 9 $ 2,518,000 $ 279,777 $ 234,000
Flathead, Montana 9 $ 2,082,000 $ 231,333 $ 87,000
Rockland, New York 9 $ 2,877,000 $ 319,666 $ 151,000
Alamance, North Carolina 9 $ 1,961,000 $ 217,888 $ 95,000
Burke, North Carolina 9 $ 1,488,000 $ 165,333 $ 80,000
Craven, North Carolina 9 $ 1,532,000 $ 170,222 $ 90,000
Haywood, North Carolina 9 $ 1,760,000 $ 195,555 $ 80,000
Mahoning, Ohio 9 $ 1,818,000 $ 202,000 $ 98,000
Westmoreland, Pennsylvania 9 $ 1,734,000 $ 192,666 $ 66,000
Bristol, Rhode Island 9 $ 2,513,000 $ 279,222 $ 121,000
Oconee, South Carolina 9 $ 1,559,000 $ 173,222 $ 103,000
Pickens, South Carolina 9 $ 1,969,000 $ 218,777 $ 133,000
Pennington, South Dakota 9 $ 1,914,000 $ 212,666 $ 74,000
Greene, Tennessee 9 $ 1,822,000 $ 202,444 $ 84,000
Bedford, Virginia 9 $ 1,614,000 $ 179,333 $ 75,000
Roanoke, Virginia 9 $ 1,501,000 $ 166,777 $ 92,000
Grant, Washington 9 $ 1,752,000 $ 194,666 $ 301,000
Limestone, Alabama 8 $ 1,718,000 $ 214,750 $ 97,000
Eagle, Colorado 8 $ 4,232,000 $ 529,000 $ 134,000
Highlands, Florida 8 $ 1,297,000 $ 162,125 $ 82,000
Glynn, Georgia 8 $ 2,141,000 $ 267,625 $ 180,000
Oconee, Georgia 8 $ 1,709,000 $ 213,625 $ 117,000
Spalding, Georgia 8 $ 1,833,000 $ 229,125 $ 88,000
Floyd, Indiana 8 $ 1,332,000 $ 166,500 $ 89,000
Sedgwick, Kansas 8 $ 1,637,000 $ 204,625 $ 92,000
Clinton, Michigan 8 $ 1,550,000 $ 193,750 $ 112,000
Clay, Missouri 8 $ 1,324,000 $ 165,500 $ 83,000
Lake, Montana 8 $ 2,523,000 $ 315,375 $ 87,000
Lewis and Clark, Montana 8 $ 1,543,000 $ 192,875 $ 83,000
Nye, Nevada 8 $ 1,471,000 $ 183,875 $ 84,000
Strafford, New Hampshire 8 $ 1,647,000 $ 205,875 $ 143,000
Queens, New York 8 $ 3,027,000 $ 378,375 $ 84,000
Grand Forks, North Dakota 8 $ 1,863,000 $ 232,875 $ 88,000
Ward, North Dakota 8 $ 1,606,000 $ 200,750 $ 91,000
Greene, Ohio 8 $ 1,591,000 $ 198,875 $ 104,000
Wasco, Oregon 8 $ 1,531,000 $ 191,375 $ 90,000
Sumter, South Carolina 8 $ 1,479,000 $ 184,875 $ 54,000
Bastrop, Texas 8 $ 2,072,000 $ 259,000 $ 122,000
Waller, Texas 8 $ 2,014,000 $ 251,750 $ 164,000
Webb, Texas 8 $ 1,502,000 $ 187,750 $ 62,000
Fairfax City, Virginia 8 $ 3,280,000 $ 410,000 $ 136,000
Norfolk, Virginia 8 $ 2,055,000 $ 256,875 $ 88,000
Roanoke City, Virginia 8 $ 1,264,000 $ 158,000 $ 55,000
York, Virginia 8 $ 1,885,000 $ 235,625 $ 77,000
Walla Walla, Washington 8 $ 2,130,000 $ 266,250 $ 96,000
Jefferson, West Virginia 8 $ 1,925,000 $ 240,625 $ 71,000
Graham, Arizona 7 $ 1,243,000 $ 177,571 $ 48,000
Yuba, California 7 $ 1,375,000 $ 196,428 $ 107,000
Barrow, Georgia 7 $ 1,685,000 $ 240,714 $ 115,000
Effingham, Georgia 7 $ 1,219,000 $ 174,142 $ 82,000
Houston, Georgia 7 $ 1,474,000 $ 210,571 $ 68,000
Lowndes, Georgia 7 $ 2,179,000 $ 311,285 $ 55,000
Newton, Georgia 7 $ 1,028,000 $ 146,857 $ 93,000
Richmond, Georgia 7 $ 1,537,000 $ 219,571 $ 108,000
LaPorte, Indiana 7 $ 1,234,000 $ 176,285 $ 59,000
Monroe, Indiana 7 $ 1,774,000 $ 253,428 $ 118,000
Queen Anne's, Maryland 7 $ 1,994,000 $ 284,857 $ 174,000
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Mortgage Loan Application Detail Totals for Cardinal Financial Company, Li in 2015

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 23,090 $6,268,281,000 $271,000 $3,000,000 $114,000 $5,200,000
Home Purchase 6,836 $1,780,628,000 $260,000 $2,480,000 $121,000 $2,286,000
Home Improvement 7 $1,463,000 $209,000 $361,000 $67,000 $140,000

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 22,510 $6,003,194,000 $266,000 $3,000,000 $116,000 $5,200,000
Asian 3,539 $1,092,912,000 $308,000 $1,695,000 $133,000 $1,380,000
Hispanic 2,231 $554,030,000 $248,000 $1,375,000 $99,000 $2,055,000
Black or African American 1,277 $300,586,000 $235,000 $752,000 $89,000 $550,000
American Indian or Alaskan Native 162 $40,116,000 $247,000 $765,000 $108,000 $1,013,000
Native Hawaiian or Other Pacific Islander 137 $37,617,000 $274,000 $914,000 $102,000 $300,000
Not Provided 77 $21,917,000 $284,000 $654,000 $112,000 $400,000
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) 24,399 $6,765,708,000 $277,000 $3,000,000 $127,000 $3,600,000
FHA-insured (Federal Housing Administration) 3,211 $673,727,000 $209,000 $717,000 $62,000 $5,200,000
VA-guaranteed (Veterans Administration) 2,278 $603,747,000 $265,000 $945,000 $72,000 $700,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 45 $7,190,000 $159,000 $401,000 $53,000 $91,000

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 18,940 $5,120,152,000 $270,000 $1,950,000 $116,000 $2,643,000
Application Withdrawn By Applicant 9,749 $2,608,000,000 $267,000 $3,000,000 $118,000 $5,200,000
Application Denied By Financial Institution 906 $237,159,000 $261,000 $1,480,000 $90,000 $1,025,000
File Closed For Incompleteness 335 $84,250,000 $251,000 $921,000 $100,000 $1,030,000
Application Approved But Not Accepted 3 $811,000 $270,000 $417,000 $80,000 $132,000
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 345 $99,072,000 $287,000 $1,410,000 $74,000 $1,025,000
Collateral 239 $59,500,000 $248,000 $1,230,000 $109,000 $600,000
Credit History 181 $43,184,000 $238,000 $791,000 $89,000 $360,000
Other 42 $8,980,000 $213,000 $569,000 $106,000 $319,000
Employment History 42 $10,233,000 $243,000 $606,000 $78,000 $400,000
Unverifiable Information 36 $10,834,000 $300,000 $1,480,000 $113,000 $700,000
Insufficient Cash (Downpayment, Closing Cost) 11 $2,139,000 $194,000 $415,000 $107,000 $240,000
Credit Application Incomplete 6 $1,837,000 $306,000 $784,000 $90,000 $209,000
Mortgage Insurance Denied 2 $726,000 $363,000 $388,000 $104,000 $164,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company, Li's 2015 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, Li'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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