Cardinal Financial Company, Li Mortgage Lending & HMDA Data, 2017

In 2017, Cardinal Financial Company, Li of Charlotte, NC reported 33,589 mortgage applications totaling $8.9 billion, down 17% from 2016. The average application was for $266,191, and applicants reported an average income of $114,405. 43% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (1,951), Houston-The Woodlands-Sugar Land, TX (1,261) and Los Angeles-Long Beach-Glendale, CA (1,172) (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 33,589
Total Mortgage Loan Application Amount $8,941,097,000
Average Mortgage Loan Application Amount $266,191
Highest Mortgage Loan Application Amount $6,000,000
Average Applicant Income $114,405
Highest Applicant Income $9,000,000

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records Cardinal Financial Company, Li filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 1,784 $ 437,531,000 $ 245,252 $ 101,000
Los Angeles, California 1,172 $ 457,773,000 $ 390,591 $ 122,000
Clark, Nevada 1,067 $ 266,413,000 $ 249,684 $ 110,000
Harris, Texas 734 $ 152,855,000 $ 208,249 $ 116,000
San Diego, California 511 $ 196,451,000 $ 384,444 $ 127,000
Tarrant, Texas 492 $ 98,060,000 $ 199,308 $ 101,000
Riverside, California 436 $ 125,066,000 $ 286,848 $ 101,000
King, Washington 419 $ 162,810,000 $ 388,568 $ 149,000
Orange, California 406 $ 179,031,000 $ 440,963 $ 143,000
Dallas, Texas 400 $ 88,487,000 $ 221,217 $ 110,000
Mecklenburg, North Carolina 374 $ 91,730,000 $ 245,267 $ 113,000
San Bernardino, California 340 $ 93,379,000 $ 274,644 $ 102,000
Broward, Florida 337 $ 90,046,000 $ 267,198 $ 120,000
Sacramento, California 331 $ 91,552,000 $ 276,592 $ 113,000
Miami-Dade, Florida 312 $ 83,484,000 $ 267,576 $ 110,000
Collin, Texas 301 $ 78,976,000 $ 262,378 $ 126,000
Denton, Texas 287 $ 66,753,000 $ 232,588 $ 110,000
Bexar, Texas 280 $ 52,436,000 $ 187,271 $ 94,000
Alameda, California 271 $ 126,555,000 $ 466,992 $ 146,000
Palm Beach, Florida 268 $ 67,861,000 $ 253,212 $ 118,000
Wake, North Carolina 265 $ 73,457,000 $ 277,196 $ 123,000
Fairfax, Virginia 252 $ 106,873,000 $ 424,099 $ 158,000
Pima, Arizona 240 $ 53,111,000 $ 221,295 $ 111,000
Salt Lake, Utah 235 $ 63,969,000 $ 272,208 $ 102,000
Travis, Texas 230 $ 60,708,000 $ 263,947 $ 130,000
Contra Costa, California 229 $ 90,734,000 $ 396,218 $ 143,000
Santa Clara, California 228 $ 112,108,000 $ 491,701 $ 148,000
Hillsborough, Florida 228 $ 53,061,000 $ 232,723 $ 108,000
Washoe, Nevada 222 $ 64,451,000 $ 290,319 $ 114,000
Fort Bend, Texas 210 $ 52,609,000 $ 250,519 $ 126,000
Fulton, Georgia 209 $ 61,813,000 $ 295,755 $ 142,000
Snohomish, Washington 196 $ 62,219,000 $ 317,443 $ 133,000
Orange, Florida 193 $ 46,647,000 $ 241,694 $ 127,000
Cook, Illinois 186 $ 50,948,000 $ 273,913 $ 136,000
Gwinnett, Georgia 185 $ 42,165,000 $ 227,918 $ 101,000
Williamson, Texas 178 $ 39,100,000 $ 219,662 $ 110,000
Pierce, Washington 176 $ 45,354,000 $ 257,693 $ 101,000
Montgomery, Maryland 175 $ 67,216,000 $ 384,091 $ 145,000
Bernalillo, New Mexico 169 $ 32,392,000 $ 191,668 $ 74,000
Pinal, Arizona 167 $ 29,935,000 $ 179,251 $ 75,000
Pinellas, Florida 165 $ 38,848,000 $ 235,442 $ 109,000
Cobb, Georgia 158 $ 39,122,000 $ 247,607 $ 122,000
Montgomery, Texas 151 $ 36,051,000 $ 238,748 $ 127,000
Prince George's, Maryland 150 $ 44,258,000 $ 295,053 $ 110,000
San Joaquin, California 147 $ 41,276,000 $ 280,789 $ 102,000
Oakland, Michigan 138 $ 39,218,000 $ 284,188 $ 136,000
Kern, California 137 $ 28,101,000 $ 205,116 $ 99,000
DeKalb, Georgia 137 $ 34,578,000 $ 252,394 $ 128,000
Multnomah, Oregon 136 $ 38,122,000 $ 280,308 $ 116,000
Ventura, California 135 $ 51,954,000 $ 384,844 $ 146,000
Lee, Florida 132 $ 27,703,000 $ 209,871 $ 109,000
Utah, Utah 130 $ 35,817,000 $ 275,515 $ 111,000
Loudoun, Virginia 130 $ 53,735,000 $ 413,346 $ 161,000
Duval, Florida 129 $ 25,893,000 $ 200,720 $ 97,000
Clark, Washington 129 $ 33,409,000 $ 258,984 $ 101,000
Fresno, California 125 $ 29,839,000 $ 238,712 $ 111,000
Washington, Oregon 124 $ 36,533,000 $ 294,620 $ 113,000
Solano, California 123 $ 38,602,000 $ 313,837 $ 113,000
Stanislaus, California 113 $ 27,781,000 $ 245,849 $ 106,000
Ada, Idaho 111 $ 25,213,000 $ 227,144 $ 108,000
Brevard, Florida 110 $ 23,930,000 $ 217,545 $ 105,000
Adams, Colorado 109 $ 25,503,000 $ 233,972 $ 86,000
Arapahoe, Colorado 108 $ 30,696,000 $ 284,222 $ 110,000
Yavapai, Arizona 106 $ 27,158,000 $ 256,207 $ 86,000
Philadelphia, Pennsylvania 101 $ 21,021,000 $ 208,128 $ 187,000
San Mateo, California 100 $ 53,518,000 $ 535,180 $ 161,000
El Paso, Colorado 100 $ 24,261,000 $ 242,610 $ 97,000
District of Columbia, District Of Columbia 100 $ 37,111,000 $ 371,110 $ 152,000
Sarasota, Florida 100 $ 20,674,000 $ 206,740 $ 123,000
York, South Carolina 100 $ 26,663,000 $ 266,630 $ 109,000
Anne Arundel, Maryland 99 $ 30,371,000 $ 306,777 $ 115,000
Montgomery, Pennsylvania 98 $ 25,657,000 $ 261,806 $ 237,000
Denver, Colorado 97 $ 27,694,000 $ 285,505 $ 96,000
Pasco, Florida 97 $ 19,379,000 $ 199,783 $ 99,000
Middlesex, New Jersey 96 $ 30,524,000 $ 317,958 $ 128,000
Prince William, Virginia 96 $ 32,519,000 $ 338,739 $ 131,000
Seminole, Florida 91 $ 21,677,000 $ 238,208 $ 108,000
Davidson, Tennessee 91 $ 21,749,000 $ 239,000 $ 110,000
Forsyth, Georgia 90 $ 25,698,000 $ 285,533 $ 136,000
Baltimore, Maryland 89 $ 26,771,000 $ 300,797 $ 156,000
Jefferson, Colorado 88 $ 23,804,000 $ 270,500 $ 111,000
Union, North Carolina 87 $ 24,802,000 $ 285,080 $ 112,000
Charleston, South Carolina 87 $ 27,048,000 $ 310,896 $ 131,000
Volusia, Florida 84 $ 15,640,000 $ 186,190 $ 84,000
Hennepin, Minnesota 83 $ 22,955,000 $ 276,566 $ 125,000
Bucks, Pennsylvania 83 $ 22,849,000 $ 275,289 $ 126,000
Douglas, Colorado 81 $ 30,672,000 $ 378,666 $ 133,000
El Paso, Texas 79 $ 12,261,000 $ 155,202 $ 82,000
Placer, California 78 $ 27,061,000 $ 346,935 $ 120,000
Polk, Florida 78 $ 14,560,000 $ 186,666 $ 79,000
Spokane, Washington 77 $ 15,953,000 $ 207,181 $ 117,000
Clackamas, Oregon 76 $ 22,147,000 $ 291,407 $ 101,000
Chester, Pennsylvania 75 $ 23,141,000 $ 308,546 $ 131,000
Galveston, Texas 75 $ 15,143,000 $ 201,906 $ 103,000
Sonoma, California 70 $ 27,381,000 $ 391,157 $ 115,000
Williamson, Tennessee 69 $ 22,795,000 $ 330,362 $ 132,000
Shelby, Tennessee 68 $ 15,148,000 $ 222,764 $ 118,000
Osceola, Florida 67 $ 12,254,000 $ 182,895 $ 107,000
St. Louis, Missouri 67 $ 15,165,000 $ 226,343 $ 129,000
Cabarrus, North Carolina 67 $ 15,276,000 $ 228,000 $ 93,000
Bergen, New Jersey 66 $ 24,339,000 $ 368,772 $ 191,000
Thurston, Washington 66 $ 17,245,000 $ 261,287 $ 89,000
Manatee, Florida 65 $ 16,226,000 $ 249,630 $ 127,000
Howard, Maryland 65 $ 22,096,000 $ 339,938 $ 148,000
Lehigh, Pennsylvania 65 $ 13,837,000 $ 212,876 $ 129,000
Brazoria, Texas 65 $ 13,030,000 $ 200,461 $ 112,000
Horry, South Carolina 64 $ 12,576,000 $ 196,500 $ 101,000
Collier, Florida 63 $ 18,969,000 $ 301,095 $ 113,000
Jefferson, Alabama 62 $ 12,919,000 $ 208,370 $ 86,000
Larimer, Colorado 62 $ 18,562,000 $ 299,387 $ 106,000
St. Lucie, Florida 62 $ 11,974,000 $ 193,129 $ 76,000
Monterey, California 61 $ 23,062,000 $ 378,065 $ 132,000
Monmouth, New Jersey 61 $ 22,160,000 $ 363,278 $ 146,000
Davis, Utah 61 $ 15,624,000 $ 256,131 $ 97,000
Mohave, Arizona 60 $ 11,136,000 $ 185,600 $ 91,000
Cherokee, Georgia 58 $ 13,133,000 $ 226,431 $ 97,000
Hudson, New Jersey 58 $ 17,139,000 $ 295,500 $ 148,000
Santa Barbara, California 57 $ 21,946,000 $ 385,017 $ 110,000
Weld, Colorado 57 $ 15,182,000 $ 266,350 $ 95,000
Lake, Florida 57 $ 10,969,000 $ 192,438 $ 71,000
Santa Fe, New Mexico 57 $ 16,080,000 $ 282,105 $ 205,000
Allegheny, Pennsylvania 57 $ 12,712,000 $ 223,017 $ 132,000
Buncombe, North Carolina 56 $ 15,093,000 $ 269,517 $ 116,000
Ellis, Texas 56 $ 10,415,000 $ 185,982 $ 91,000
Guilford, North Carolina 55 $ 11,984,000 $ 217,890 $ 96,000
Tulare, California 53 $ 10,215,000 $ 192,735 $ 89,000
Nueces, Texas 53 $ 9,903,000 $ 186,849 $ 103,000
Coconino, Arizona 51 $ 12,784,000 $ 250,666 $ 108,000
Delaware, Pennsylvania 51 $ 13,238,000 $ 259,568 $ 113,000
Johnson, Texas 51 $ 9,886,000 $ 193,843 $ 105,000
El Dorado, California 50 $ 15,390,000 $ 307,800 $ 120,000
Wayne, Michigan 50 $ 10,896,000 $ 217,920 $ 116,000
Durham, North Carolina 50 $ 10,969,000 $ 219,380 $ 92,000
Deschutes, Oregon 50 $ 14,110,000 $ 282,200 $ 119,000
Greenville, South Carolina 50 $ 12,095,000 $ 241,900 $ 109,000
Lane, Oregon 49 $ 10,696,000 $ 218,285 $ 77,000
Chesterfield, Virginia 49 $ 10,978,000 $ 224,040 $ 127,000
Kitsap, Washington 49 $ 13,043,000 $ 266,183 $ 105,000
Boulder, Colorado 47 $ 15,275,000 $ 325,000 $ 111,000
Burlington, New Jersey 47 $ 11,179,000 $ 237,851 $ 113,000
Hamilton, Tennessee 47 $ 10,226,000 $ 217,574 $ 96,000
Henrico, Virginia 47 $ 12,702,000 $ 270,255 $ 135,000
DuPage, Illinois 46 $ 13,364,000 $ 290,521 $ 128,000
San Luis Obispo, California 45 $ 16,013,000 $ 355,844 $ 119,000
Morris, New Jersey 45 $ 17,019,000 $ 378,200 $ 168,000
Ocean, New Jersey 45 $ 11,675,000 $ 259,444 $ 105,000
Charlotte, Florida 44 $ 9,577,000 $ 217,659 $ 126,000
Jefferson, Louisiana 44 $ 8,733,000 $ 198,477 $ 83,000
Bell, Texas 44 $ 7,307,000 $ 166,068 $ 83,000
Fairfield, Connecticut 43 $ 18,470,000 $ 429,534 $ 204,000
New Castle, Delaware 43 $ 11,943,000 $ 277,744 $ 128,000
St. Johns, Florida 43 $ 10,972,000 $ 255,162 $ 123,000
Chatham, Georgia 43 $ 12,670,000 $ 294,651 $ 141,000
Macomb, Michigan 43 $ 10,124,000 $ 235,441 $ 120,000
Rutherford, Tennessee 43 $ 8,650,000 $ 201,162 $ 79,000
Parker, Texas 43 $ 9,505,000 $ 221,046 $ 99,000
Washington, Utah 43 $ 10,839,000 $ 252,069 $ 106,000
Weber, Utah 43 $ 8,667,000 $ 201,558 $ 82,000
Henry, Georgia 42 $ 9,896,000 $ 235,619 $ 91,000
Dakota, Minnesota 42 $ 11,282,000 $ 268,619 $ 124,000
Northampton, Pennsylvania 42 $ 8,243,000 $ 196,261 $ 98,000
Midland, Texas 42 $ 8,824,000 $ 210,095 $ 106,000
Virginia Beach, Virginia 42 $ 11,970,000 $ 285,000 $ 150,000
Santa Cruz, California 41 $ 20,872,000 $ 509,073 $ 198,000
New Hanover, North Carolina 41 $ 10,012,000 $ 244,195 $ 91,000
Marion, Oregon 41 $ 8,813,000 $ 214,951 $ 72,000
Hidalgo, Texas 41 $ 6,403,000 $ 156,170 $ 77,000
Whatcom, Washington 41 $ 11,760,000 $ 286,829 $ 96,000
San Francisco, California 40 $ 22,155,000 $ 553,875 $ 152,000
St. Charles, Missouri 40 $ 7,808,000 $ 195,200 $ 90,000
Sandoval, New Mexico 40 $ 7,949,000 $ 198,725 $ 100,000
Iredell, North Carolina 40 $ 11,820,000 $ 295,500 $ 141,000
Arlington, Virginia 40 $ 17,699,000 $ 442,475 $ 153,000
Madison, Alabama 39 $ 8,661,000 $ 222,076 $ 99,000
Marion, Florida 39 $ 7,723,000 $ 198,025 $ 79,000
Suffolk, New York 39 $ 13,030,000 $ 334,102 $ 168,000
Jackson, Oregon 39 $ 8,817,000 $ 226,076 $ 74,000
Baltimore City, Maryland 38 $ 8,802,000 $ 231,631 $ 102,000
Ramsey, Minnesota 38 $ 8,812,000 $ 231,894 $ 94,000
Franklin, Ohio 38 $ 8,957,000 $ 235,710 $ 131,000
Hamilton, Indiana 37 $ 10,777,000 $ 291,270 $ 144,000
Essex, New Jersey 37 $ 12,118,000 $ 327,513 $ 149,000
Gaston, North Carolina 37 $ 7,963,000 $ 215,216 $ 112,000
Knox, Tennessee 37 $ 8,113,000 $ 219,270 $ 118,000
Fayette, Georgia 35 $ 8,643,000 $ 246,942 $ 98,000
Lake, Illinois 35 $ 8,618,000 $ 246,228 $ 159,000
Johnson, Kansas 35 $ 8,731,000 $ 249,457 $ 124,000
Harford, Maryland 35 $ 8,538,000 $ 243,942 $ 109,000
Hays, Texas 35 $ 7,737,000 $ 221,057 $ 111,000
Shelby, Alabama 34 $ 6,696,000 $ 196,941 $ 103,000
Merced, California 34 $ 6,989,000 $ 205,558 $ 80,000
Shasta, California 34 $ 7,365,000 $ 216,617 $ 84,000
Martin, Florida 33 $ 8,976,000 $ 272,000 $ 111,000
Will, Illinois 33 $ 8,926,000 $ 270,484 $ 135,000
Frederick, Maryland 33 $ 10,144,000 $ 307,393 $ 154,000
Somerset, New Jersey 33 $ 12,793,000 $ 387,666 $ 167,000
Union, New Jersey 33 $ 9,644,000 $ 292,242 $ 143,000
Flagler, Florida 32 $ 6,628,000 $ 207,125 $ 87,000
Leon, Florida 32 $ 6,200,000 $ 193,750 $ 102,000
Marion, Indiana 32 $ 5,297,000 $ 165,531 $ 92,000
Charles, Maryland 32 $ 9,109,000 $ 284,656 $ 107,000
York, Pennsylvania 32 $ 6,306,000 $ 197,062 $ 101,000
Jackson, Missouri 31 $ 6,593,000 $ 212,677 $ 102,000
Douglas, Nebraska 31 $ 5,782,000 $ 186,516 $ 202,000
Camden, New Jersey 31 $ 5,975,000 $ 192,741 $ 95,000
Mercer, New Jersey 31 $ 6,484,000 $ 209,161 $ 97,000
Westchester, New York 31 $ 11,503,000 $ 371,064 $ 185,000
Richland, South Carolina 31 $ 5,939,000 $ 191,580 $ 82,000
Baldwin, Alabama 30 $ 6,390,000 $ 213,000 $ 91,000
Benton, Arkansas 30 $ 6,479,000 $ 215,966 $ 91,000
Hartford, Connecticut 30 $ 7,026,000 $ 234,200 $ 117,000
Nassau, New York 30 $ 10,648,000 $ 354,933 $ 141,000
Berkeley, South Carolina 30 $ 5,717,000 $ 190,566 $ 68,000
Lancaster, South Carolina 30 $ 6,927,000 $ 230,900 $ 82,000
McLennan, Texas 30 $ 5,662,000 $ 188,733 $ 125,000
Marin, California 29 $ 17,311,000 $ 596,931 $ 141,000
Bay, Florida 29 $ 7,379,000 $ 254,448 $ 117,000
Santa Rosa, Florida 29 $ 6,618,000 $ 228,206 $ 97,000
Sumter, Florida 29 $ 6,133,000 $ 211,482 $ 85,000
Coweta, Georgia 29 $ 6,121,000 $ 211,068 $ 121,000
Jefferson, Kentucky 29 $ 6,859,000 $ 236,517 $ 129,000
Dona Ana, New Mexico 29 $ 5,889,000 $ 203,068 $ 87,000
Sumner, Tennessee 29 $ 7,801,000 $ 269,000 $ 96,000
Brazos, Texas 29 $ 5,829,000 $ 201,000 $ 174,000
Comal, Texas 29 $ 6,154,000 $ 212,206 $ 89,000
Guadalupe, Texas 29 $ 5,339,000 $ 184,103 $ 79,000
Spotsylvania, Virginia 29 $ 8,531,000 $ 294,172 $ 114,000
Napa, California 28 $ 10,818,000 $ 386,357 $ 123,000
Citrus, Florida 28 $ 4,869,000 $ 173,892 $ 85,000
Escambia, Florida 28 $ 5,582,000 $ 199,357 $ 123,000
Forsyth, North Carolina 28 $ 5,738,000 $ 204,928 $ 99,000
Cuyahoga, Ohio 28 $ 7,314,000 $ 261,214 $ 187,000
Lancaster, Pennsylvania 28 $ 5,115,000 $ 182,678 $ 80,000
Yakima, Washington 28 $ 5,540,000 $ 197,857 $ 79,000
Madera, California 27 $ 5,391,000 $ 199,666 $ 89,000
Paulding, Georgia 27 $ 5,236,000 $ 193,925 $ 87,000
Calvert, Maryland 27 $ 8,554,000 $ 316,814 $ 124,000
Beaufort, South Carolina 27 $ 8,185,000 $ 303,148 $ 189,000
Rockwall, Texas 27 $ 7,530,000 $ 278,888 $ 138,000
Laramie, Wyoming 27 $ 5,847,000 $ 216,555 $ 79,000
Cochise, Arizona 26 $ 3,900,000 $ 150,000 $ 66,000
Alachua, Florida 26 $ 5,120,000 $ 196,923 $ 120,000
Indian River, Florida 26 $ 4,960,000 $ 190,769 $ 81,000
Jefferson, Missouri 26 $ 4,825,000 $ 185,576 $ 81,000
Yellowstone, Montana 26 $ 4,896,000 $ 188,307 $ 77,000
Catawba, North Carolina 26 $ 5,335,000 $ 205,192 $ 96,000
Lexington, South Carolina 26 $ 4,825,000 $ 185,576 $ 86,000
Hood, Texas 26 $ 6,916,000 $ 266,000 $ 157,000
Alexandria, Virginia 26 $ 10,067,000 $ 387,192 $ 147,000
Yuma, Arizona 25 $ 3,926,000 $ 157,040 $ 79,000
Yolo, California 25 $ 6,712,000 $ 268,480 $ 100,000
Pueblo, Colorado 25 $ 4,721,000 $ 188,840 $ 81,000
Walton, Florida 25 $ 8,603,000 $ 344,120 $ 262,000
Orleans, Louisiana 25 $ 5,802,000 $ 232,080 $ 82,000
Livingston, Michigan 25 $ 6,419,000 $ 256,760 $ 136,000
Carson City, Nevada 25 $ 6,113,000 $ 244,520 $ 93,000
Passaic, New Jersey 25 $ 7,179,000 $ 287,160 $ 124,000
Henderson, North Carolina 25 $ 6,455,000 $ 258,200 $ 111,000
Grayson, Texas 25 $ 4,864,000 $ 194,560 $ 109,000
Randall, Texas 25 $ 4,734,000 $ 189,360 $ 84,000
Richmond City, Virginia 25 $ 6,129,000 $ 245,160 $ 149,000
Mobile, Alabama 24 $ 4,420,000 $ 184,166 $ 75,000
Clay, Florida 24 $ 5,061,000 $ 210,875 $ 95,000
Hall, Georgia 24 $ 5,866,000 $ 244,416 $ 100,000
Kootenai, Idaho 24 $ 6,413,000 $ 267,208 $ 121,000
Washtenaw, Michigan 24 $ 6,020,000 $ 250,833 $ 196,000
Hillsborough, New Hampshire 24 $ 6,654,000 $ 277,250 $ 136,000
Sussex, New Jersey 24 $ 5,982,000 $ 249,250 $ 111,000
Skagit, Washington 24 $ 5,157,000 $ 214,875 $ 94,000
Pulaski, Arkansas 23 $ 5,040,000 $ 219,130 $ 82,000
Okaloosa, Florida 23 $ 6,062,000 $ 263,565 $ 107,000
Canyon, Idaho 23 $ 3,766,000 $ 163,739 $ 92,000
East Baton Rouge, Louisiana 23 $ 4,474,000 $ 194,521 $ 73,000
Brunswick, North Carolina 23 $ 5,292,000 $ 230,086 $ 120,000
Johnston, North Carolina 23 $ 4,576,000 $ 198,956 $ 77,000
Berks, Pennsylvania 23 $ 4,834,000 $ 210,173 $ 84,000
Providence, Rhode Island 23 $ 5,886,000 $ 255,913 $ 96,000
Wilson, Tennessee 23 $ 5,193,000 $ 225,782 $ 87,000
Kaufman, Texas 23 $ 3,765,000 $ 163,695 $ 67,000
Hernando, Florida 22 $ 3,670,000 $ 166,818 $ 63,000
Anoka, Minnesota 22 $ 4,276,000 $ 194,363 $ 93,000
Atlantic, New Jersey 22 $ 4,825,000 $ 219,318 $ 174,000
Lincoln, North Carolina 22 $ 5,671,000 $ 257,772 $ 96,000
Orange, North Carolina 22 $ 5,709,000 $ 259,500 $ 130,000
Ector, Texas 22 $ 3,438,000 $ 156,272 $ 91,000
Smith, Texas 22 $ 3,403,000 $ 154,681 $ 81,000
Wise, Texas 22 $ 4,274,000 $ 194,272 $ 76,000
Stafford, Virginia 22 $ 7,001,000 $ 318,227 $ 111,000
Montgomery, Alabama 21 $ 4,490,000 $ 213,809 $ 110,000
Columbia, Georgia 21 $ 4,631,000 $ 220,523 $ 94,000
St. Tammany, Louisiana 21 $ 4,688,000 $ 223,238 $ 81,000
Kent, Michigan 21 $ 4,992,000 $ 237,714 $ 95,000
Clay, Missouri 21 $ 4,504,000 $ 214,476 $ 99,000
St. Louis City, Missouri 21 $ 4,675,000 $ 222,619 $ 136,000
Rockingham, New Hampshire 21 $ 6,284,000 $ 299,238 $ 154,000
Queens, New York 21 $ 9,164,000 $ 436,380 $ 131,000
Josephine, Oregon 21 $ 5,799,000 $ 276,142 $ 77,000
Yamhill, Oregon 21 $ 5,509,000 $ 262,333 $ 92,000
Chesapeake, Virginia 21 $ 5,118,000 $ 243,714 $ 101,000
Benton, Washington 21 $ 4,341,000 $ 206,714 $ 97,000
Butte, California 20 $ 4,705,000 $ 235,250 $ 117,000
Imperial, California 20 $ 4,218,000 $ 210,900 $ 107,000
Kane, Illinois 20 $ 4,990,000 $ 249,500 $ 160,000
Cumberland, Maine 20 $ 5,898,000 $ 294,900 $ 160,000
York, Maine 20 $ 5,268,000 $ 263,400 $ 144,000
Missoula, Montana 20 $ 4,415,000 $ 220,750 $ 89,000
Lyon, Nevada 20 $ 3,491,000 $ 174,550 $ 84,000
Delaware, Ohio 20 $ 6,439,000 $ 321,950 $ 177,000
Cameron, Texas 20 $ 3,686,000 $ 184,300 $ 123,000
Washington, Arkansas 19 $ 6,180,000 $ 325,263 $ 213,000
Broomfield, Colorado 19 $ 5,495,000 $ 289,210 $ 108,000
New Haven, Connecticut 19 $ 4,649,000 $ 244,684 $ 151,000
Sussex, Delaware 19 $ 5,358,000 $ 282,000 $ 146,000
Carroll, Maryland 19 $ 4,925,000 $ 259,210 $ 99,000
Flathead, Montana 19 $ 4,867,000 $ 256,157 $ 82,000
Valencia, New Mexico 19 $ 3,399,000 $ 178,894 $ 77,000
Richmond, New York 19 $ 6,393,000 $ 336,473 $ 96,000
Oklahoma, Oklahoma 19 $ 5,140,000 $ 270,526 $ 185,000
Cumberland, Pennsylvania 19 $ 4,689,000 $ 246,789 $ 114,000
Dorchester, South Carolina 19 $ 3,782,000 $ 199,052 $ 78,000
Spartanburg, South Carolina 19 $ 4,281,000 $ 225,315 $ 127,000
Cache, Utah 19 $ 3,469,000 $ 182,578 $ 76,000
Navajo, Arizona 18 $ 3,881,000 $ 215,611 $ 150,000
Kings, California 18 $ 3,333,000 $ 185,166 $ 64,000
Douglas, Georgia 18 $ 3,020,000 $ 167,777 $ 81,000
Harris, Georgia 18 $ 3,226,000 $ 179,222 $ 76,000
Lafayette, Louisiana 18 $ 3,502,000 $ 194,555 $ 99,000
Kings, New York 18 $ 8,351,000 $ 463,944 $ 125,000
Rowan, North Carolina 18 $ 3,135,000 $ 174,166 $ 65,000
Monroe, Pennsylvania 18 $ 3,345,000 $ 185,833 $ 100,000
Lubbock, Texas 18 $ 2,638,000 $ 146,555 $ 77,000
Milwaukee, Wisconsin 18 $ 4,120,000 $ 228,888 $ 120,000
Muscogee, Georgia 17 $ 3,280,000 $ 192,941 $ 71,000
Caddo, Louisiana 17 $ 3,242,000 $ 190,705 $ 90,000
Carver, Minnesota 17 $ 4,818,000 $ 283,411 $ 119,000
Washington, Minnesota 17 $ 3,601,000 $ 211,823 $ 97,000
Sarpy, Nebraska 17 $ 3,004,000 $ 176,705 $ 88,000
Elko, Nevada 17 $ 3,530,000 $ 207,647 $ 88,000
Gloucester, New Jersey 17 $ 3,947,000 $ 232,176 $ 125,000
Cumberland, North Carolina 17 $ 2,813,000 $ 165,470 $ 59,000
Davidson, North Carolina 17 $ 3,058,000 $ 179,882 $ 80,000
Dauphin, Pennsylvania 17 $ 3,366,000 $ 198,000 $ 117,000
Washington, Rhode Island 17 $ 4,593,000 $ 270,176 $ 174,000
Anderson, South Carolina 17 $ 3,509,000 $ 206,411 $ 92,000
Jefferson, Texas 17 $ 3,037,000 $ 178,647 $ 118,000
Albemarle, Virginia 17 $ 6,077,000 $ 357,470 $ 142,000
Monroe, Florida 16 $ 7,886,000 $ 492,875 $ 292,000
McHenry, Illinois 16 $ 3,542,000 $ 221,375 $ 113,000
Scott, Minnesota 16 $ 4,067,000 $ 254,187 $ 115,000
Lancaster, Nebraska 16 $ 2,958,000 $ 184,875 $ 67,000
Nye, Nevada 16 $ 3,026,000 $ 189,125 $ 73,000
Columbia, Oregon 16 $ 4,136,000 $ 258,500 $ 89,000
Waukesha, Wisconsin 16 $ 6,344,000 $ 396,500 $ 239,000
Lake, Indiana 15 $ 3,444,000 $ 229,600 $ 100,000
Fayette, Kentucky 15 $ 3,912,000 $ 260,800 $ 120,000
Terrebonne, Louisiana 15 $ 3,175,000 $ 211,666 $ 134,000
Cecil, Maryland 15 $ 3,708,000 $ 247,200 $ 143,000
St. Mary's, Maryland 15 $ 3,915,000 $ 261,000 $ 108,000
Washington, Maryland 15 $ 3,832,000 $ 255,466 $ 82,000
Worcester, Maryland 15 $ 3,180,000 $ 212,000 $ 226,000
Douglas, Nevada 15 $ 5,399,000 $ 359,933 $ 148,000
San Juan, New Mexico 15 $ 2,568,000 $ 171,200 $ 84,000
Washington, Pennsylvania 15 $ 3,161,000 $ 210,733 $ 69,000
Montgomery, Tennessee 15 $ 2,760,000 $ 184,000 $ 89,000
Fauquier, Virginia 15 $ 5,198,000 $ 346,533 $ 148,000
Cowlitz, Washington 15 $ 3,553,000 $ 236,866 $ 84,000
Clayton, Georgia 14 $ 1,814,000 $ 129,571 $ 92,000
Hendricks, Indiana 14 $ 2,666,000 $ 190,428 $ 85,000
Orange, New York 14 $ 3,449,000 $ 246,357 $ 92,000
Alamance, North Carolina 14 $ 2,734,000 $ 195,285 $ 70,000
Hamilton, Ohio 14 $ 4,201,000 $ 300,071 $ 212,000
Warren, Ohio 14 $ 4,204,000 $ 300,285 $ 169,000
Linn, Oregon 14 $ 2,478,000 $ 177,000 $ 71,000
Polk, Oregon 14 $ 3,281,000 $ 234,357 $ 80,000
Dane, Wisconsin 14 $ 4,064,000 $ 290,285 $ 193,000
Morgan, Alabama 13 $ 2,183,000 $ 167,923 $ 93,000
Nevada, California 13 $ 4,601,000 $ 353,923 $ 151,000
San Benito, California 13 $ 5,291,000 $ 407,000 $ 139,000
Sutter, California 13 $ 3,104,000 $ 238,769 $ 75,000
Kent, Delaware 13 $ 3,184,000 $ 244,923 $ 80,000
Oconee, Georgia 13 $ 3,337,000 $ 256,692 $ 143,000
Rockdale, Georgia 13 $ 2,486,000 $ 191,230 $ 104,000
Queen Anne's, Maryland 13 $ 4,195,000 $ 322,692 $ 122,000
Ottawa, Michigan 13 $ 3,655,000 $ 281,153 $ 124,000
Gallatin, Montana 13 $ 4,447,000 $ 342,076 $ 111,000
Cape May, New Jersey 13 $ 3,450,000 $ 265,384 $ 130,000
Haywood, North Carolina 13 $ 3,013,000 $ 231,769 $ 107,000
Pitt, North Carolina 13 $ 2,649,000 $ 203,769 $ 133,000
Westmoreland, Pennsylvania 13 $ 2,523,000 $ 194,076 $ 103,000
Kent, Rhode Island 13 $ 3,525,000 $ 271,153 $ 102,000
Minnehaha, South Dakota 13 $ 3,379,000 $ 259,923 $ 89,000
Taylor, Texas 13 $ 2,299,000 $ 176,846 $ 94,000
Lee, Alabama 12 $ 2,174,000 $ 181,166 $ 69,000
Mesa, Colorado 12 $ 2,934,000 $ 244,500 $ 86,000
Summit, Colorado 12 $ 5,346,000 $ 445,500 $ 299,000
Nassau, Florida 12 $ 2,842,000 $ 236,833 $ 77,000
Houston, Georgia 12 $ 1,863,000 $ 155,250 $ 64,000
Walton, Georgia 12 $ 2,706,000 $ 225,500 $ 101,000
Boone, Missouri 12 $ 3,461,000 $ 288,416 $ 120,000
Greene, Missouri 12 $ 1,720,000 $ 143,333 $ 82,000
Cascade, Montana 12 $ 2,193,000 $ 182,750 $ 85,000
Dare, North Carolina 12 $ 4,120,000 $ 343,333 $ 133,000
Moore, North Carolina 12 $ 2,784,000 $ 232,000 $ 123,000
Cass, North Dakota 12 $ 2,403,000 $ 200,250 $ 97,000
Aiken, South Carolina 12 $ 2,586,000 $ 215,500 $ 118,000
Tooele, Utah 12 $ 2,260,000 $ 188,333 $ 78,000
Montgomery, Virginia 12 $ 2,870,000 $ 239,166 $ 151,000
Island, Washington 12 $ 2,882,000 $ 240,166 $ 124,000
Tuscaloosa, Alabama 11 $ 2,064,000 $ 187,636 $ 55,000
Carroll, Georgia 11 $ 1,841,000 $ 167,363 $ 69,000
Glynn, Georgia 11 $ 2,731,000 $ 248,272 $ 82,000
Honolulu, Hawaii 11 $ 6,364,000 $ 578,545 $ 145,000
Livingston, Louisiana 11 $ 1,755,000 $ 159,545 $ 69,000
Genesee, Michigan 11 $ 1,929,000 $ 175,363 $ 104,000
Kalamazoo, Michigan 11 $ 2,603,000 $ 236,636 $ 131,000
Caldwell, North Carolina 11 $ 2,496,000 $ 226,909 $ 110,000
Chatham, North Carolina 11 $ 3,737,000 $ 339,727 $ 114,000
Craven, North Carolina 11 $ 1,816,000 $ 165,090 $ 56,000
Summit, Ohio 11 $ 3,159,000 $ 287,181 $ 208,000
Benton, Oregon 11 $ 2,366,000 $ 215,090 $ 85,000
Adams, Pennsylvania 11 $ 2,276,000 $ 206,909 $ 91,000
Luzerne, Pennsylvania 11 $ 1,638,000 $ 148,909 $ 77,000
Washington, Tennessee 11 $ 2,571,000 $ 233,727 $ 114,000
Webb, Texas 11 $ 2,178,000 $ 198,000 $ 114,000
Summit, Utah 11 $ 5,152,000 $ 468,363 $ 348,000
Bedford, Virginia 11 $ 2,498,000 $ 227,090 $ 80,000
Hampton, Virginia 11 $ 2,228,000 $ 202,545 $ 94,000
Hanover, Virginia 11 $ 2,610,000 $ 237,272 $ 76,000
James City, Virginia 11 $ 3,223,000 $ 293,000 $ 89,000
Roanoke, Virginia 11 $ 2,648,000 $ 240,727 $ 89,000
Chelan, Washington 11 $ 3,026,000 $ 275,090 $ 89,000
Natrona, Wyoming 11 $ 2,300,000 $ 209,090 $ 103,000
Highlands, Florida 10 $ 1,311,000 $ 131,100 $ 51,000
Barrow, Georgia 10 $ 1,873,000 $ 187,300 $ 73,000
Clarke, Georgia 10 $ 1,874,000 $ 187,400 $ 87,000
Dawson, Georgia 10 $ 2,259,000 $ 225,900 $ 112,000
Bonneville, Idaho 10 $ 7,733,000 $ 773,300 $ 164,000
Nez Perce, Idaho 10 $ 1,773,000 $ 177,300 $ 67,000
Jackson, Michigan 10 $ 1,814,000 $ 181,400 $ 93,000
Lapeer, Michigan 10 $ 1,861,000 $ 186,100 $ 70,000
Hunterdon, New Jersey 10 $ 3,600,000 $ 360,000 $ 170,000
Erie, New York 10 $ 1,985,000 $ 198,500 $ 81,000
Currituck, North Carolina 10 $ 3,245,000 $ 324,500 $ 325,000
Pender, North Carolina 10 $ 3,156,000 $ 315,600 $ 172,000
Burleigh, North Dakota 10 $ 2,195,000 $ 219,500 $ 81,000
Tulsa, Oklahoma 10 $ 2,560,000 $ 256,000 $ 133,000
Franklin, Pennsylvania 10 $ 2,058,000 $ 205,800 $ 81,000
Sullivan, Tennessee 10 $ 1,882,000 $ 188,200 $ 59,000
Bastrop, Texas 10 $ 1,842,000 $ 184,200 $ 79,000
Gregg, Texas 10 $ 1,565,000 $ 156,500 $ 84,000
Henderson, Texas 10 $ 1,882,000 $ 188,200 $ 85,000
Tom Green, Texas 10 $ 1,556,000 $ 155,600 $ 72,000
Augusta, Virginia 10 $ 1,772,000 $ 177,200 $ 121,000
Culpeper, Virginia 10 $ 2,801,000 $ 280,100 $ 164,000
Norfolk, Virginia 10 $ 2,491,000 $ 249,100 $ 114,000
Limestone, Alabama 9 $ 1,863,000 $ 207,000 $ 101,000
Saline, Arkansas 9 $ 1,820,000 $ 202,222 $ 61,000
Amador, California 9 $ 2,459,000 $ 273,222 $ 82,000
Humboldt, California 9 $ 1,782,000 $ 198,000 $ 103,000
Fremont, Colorado 9 $ 1,632,000 $ 181,333 $ 62,000
Bartow, Georgia 9 $ 1,809,000 $ 201,000 $ 106,000
Jackson, Georgia 9 $ 1,999,000 $ 222,111 $ 98,000
Bullitt, Kentucky 9 $ 1,878,000 $ 208,666 $ 77,000
Ingham, Michigan 9 $ 1,765,000 $ 196,111 $ 88,000
Warren, New Jersey 9 $ 1,901,000 $ 211,222 $ 77,000
New York, New York 9 $ 3,788,000 $ 420,888 $ 195,000
Davie, North Carolina 9 $ 1,591,000 $ 176,777 $ 72,000
Medina, Ohio 9 $ 1,934,000 $ 214,888 $ 83,000
Cleveland, Oklahoma 9 $ 2,155,000 $ 239,444 $ 153,000
Florence, South Carolina 9 $ 1,605,000 $ 178,333 $ 84,000
Oconee, South Carolina 9 $ 1,450,000 $ 161,111 $ 83,000
Robertson, Tennessee 9 $ 1,586,000 $ 176,222 $ 97,000
Sevier, Tennessee 9 $ 2,845,000 $ 316,111 $ 116,000
Kendall, Texas 9 $ 2,992,000 $ 332,444 $ 181,000
Fairfax City, Virginia 9 $ 3,438,000 $ 382,000 $ 133,000
Frederick, Virginia 9 $ 2,162,000 $ 240,222 $ 106,000
Newport News, Virginia 9 $ 1,405,000 $ 156,111 $ 63,000
York, Virginia 9 $ 2,545,000 $ 282,777 $ 87,000
Clallam, Washington 9 $ 2,670,000 $ 296,666 $ 99,000
Lewis, Washington 9 $ 1,525,000 $ 169,444 $ 79,000
Elmore, Alabama 8 $ 1,366,000 $ 170,750 $ 86,000
Houston, Alabama 8 $ 1,539,000 $ 192,375 $ 132,000
Lauderdale, Alabama 8 $ 1,110,000 $ 138,750 $ 72,000
Gila, Arizona 8 $ 1,445,000 $ 180,625 $ 74,000
Lake, California 8 $ 1,835,000 $ 229,375 $ 58,000
Mendocino, California 8 $ 1,696,000 $ 212,000 $ 59,000
Tehama, California 8 $ 1,738,000 $ 217,250 $ 88,000
Yuba, California 8 $ 2,091,000 $ 261,375 $ 79,000
Litchfield, Connecticut 8 $ 1,800,000 $ 225,000 $ 81,000
Floyd, Georgia 8 $ 1,247,000 $ 155,875 $ 122,000
Allen, Indiana 8 $ 2,014,000 $ 251,750 $ 116,000
Boone, Kentucky 8 $ 1,262,000 $ 157,750 $ 92,000
Calcasieu, Louisiana 8 $ 1,236,000 $ 154,500 $ 92,000
Wright, Minnesota 8 $ 2,246,000 $ 280,750 $ 99,000
Madison, Mississippi 8 $ 2,765,000 $ 345,625 $ 175,000
Cass, Missouri 8 $ 1,069,000 $ 133,625 $ 82,000
Lincoln, Missouri 8 $ 1,247,000 $ 155,875 $ 66,000
Newton, Missouri 8 $ 934,000 $ 116,750 $ 49,000
Ravalli, Montana 8 $ 2,695,000 $ 336,875 $ 160,000
Franklin, North Carolina 8 $ 1,911,000 $ 238,875 $ 99,000
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Mortgage Loan Application Detail Totals for Cardinal Financial Company, Li in 2017

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 20,281 $5,417,607,000 $267,000 $6,000,000 $112,000 $6,000,000
Home Purchase 7,202 $2,043,949,000 $283,000 $2,720,000 $130,000 $9,000,000
Home Improvement 6,106 $1,479,541,000 $242,000 $1,400,000 $104,000 $6,041,000

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 22,341 $5,950,799,000 $266,000 $6,000,000 $115,000 $6,347,000
Hispanic 3,444 $859,419,000 $249,000 $2,720,000 $96,000 $2,415,000
Asian 2,884 $917,458,000 $318,000 $2,295,000 $138,000 $1,716,000
Not Provided 2,331 $577,647,000 $247,000 $1,700,000 $127,000 $9,000,000
Black or African American 2,048 $479,837,000 $234,000 $1,100,000 $91,000 $1,440,000
American Indian or Alaskan Native 387 $113,151,000 $292,000 $907,000 $133,000 $1,320,000
Native Hawaiian or Other Pacific Islander 153 $42,588,000 $278,000 $1,143,000 $108,000 $483,000
Not applicable 1 $198,000 $198,000 $198,000 $212,000 $212,000

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) 27,140 $7,453,120,000 $274,000 $6,000,000 $124,000 $9,000,000
FHA-insured (Federal Housing Administration) 4,328 $937,871,000 $216,000 $1,018,000 $75,000 $1,200,000
VA-guaranteed (Veterans Administration) 2,083 $543,330,000 $260,000 $1,203,000 $76,000 $451,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 38 $6,776,000 $178,000 $309,000 $58,000 $120,000

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
Application Withdrawn By Applicant 16,908 $4,303,963,000 $254,000 $6,000,000 $111,000 $9,000,000
Loan Originated 14,498 $4,040,561,000 $278,000 $2,720,000 $120,000 $1,655,000
Application Denied By Financial Institution 962 $268,331,000 $278,000 $1,740,000 $91,000 $1,418,000
Application Approved But Not Accepted 835 $219,050,000 $262,000 $1,018,000 $119,000 $6,041,000
File Closed For Incompleteness 386 $109,192,000 $282,000 $2,295,000 $105,000 $1,000,000
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 304 $89,957,000 $295,000 $1,300,000 $65,000 $554,000
Credit History 169 $42,505,000 $251,000 $796,000 $103,000 $1,418,000
Collateral 84 $22,119,000 $263,000 $1,148,000 $144,000 $848,000
Other 37 $10,490,000 $283,000 $750,000 $113,000 $274,000
Employment History 37 $9,283,000 $250,000 $767,000 $86,000 $393,000
Unverifiable Information 28 $6,246,000 $223,000 $704,000 $139,000 $829,000
Insufficient Cash (Downpayment, Closing Cost) 19 $6,087,000 $320,000 $932,000 $115,000 $300,000
Credit Application Incomplete 2 $893,000 $446,000 $496,000 $67,000 $68,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company, Li's 2017 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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