Cardinal Financial Company, Li Mortgage Lending & HMDA Data, 2013
In 2013, Cardinal Financial Company, Li of Charlotte, NC reported 7,157 mortgage applications totaling $1.8 billion, up 129% from 2012. The average application was for $247,620, and applicants reported an average income of $121,767. 69% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (282), Dallas-Plano-Irving, TX (262) and Washington-Arlington-Alexandria, DC-VA-MD-WV (226) (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 | 7,157 |
| Total Mortgage Loan Application Amount | $1,772,222,000 |
| Average Mortgage Loan Application Amount | $247,620 |
| Highest Mortgage Loan Application Amount | $1,934,000 |
| Average Applicant Income | $121,767 |
| Highest Applicant Income | $5,035,000 |
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records Cardinal Financial Company, Li filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 282 | $ 61,823,000 | $ 219,230 | $ 139,000 |
| Dallas-Plano-Irving, TX | 262 | $ 59,588,000 | $ 227,435 | $ 142,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 226 | $ 70,433,000 | $ 311,650 | $ 134,588 |
| Philadelphia, PA | 215 | $ 50,467,000 | $ 234,730 | $ 116,000 |
| Atlanta-Sandy Springs-Marietta, GA | 199 | $ 43,435,000 | $ 218,266 | $ 121,000 |
| Chicago-Joliet-Naperville, IL | 153 | $ 36,360,000 | $ 237,647 | $ 125,000 |
| Austin-Round Rock-San Marcos, TX | 142 | $ 30,685,000 | $ 216,091 | $ 112,000 |
| Denver-Aurora-Broomfield, CO | 117 | $ 29,396,000 | $ 251,247 | $ 117,000 |
| Las Vegas-Paradise, NV | 107 | $ 22,438,000 | $ 209,700 | $ 106,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 106 | $ 26,255,000 | $ 247,688 | $ 124,094 |
| Portland-Vancouver-Hillsboro, OR-WA | 106 | $ 26,130,000 | $ 246,509 | $ 104,150 |
| Seattle-Bellevue-Everett, WA | 105 | $ 30,221,000 | $ 287,819 | $ 107,000 |
| Warren-Troy-Farmington Hills, MI | 94 | $ 18,834,000 | $ 200,361 | $ 97,000 |
| Edison-New Brunswick, NJ | 88 | $ 23,186,000 | $ 263,477 | $ 129,000 |
| Baltimore-Towson, MD | 81 | $ 23,222,000 | $ 286,691 | $ 134,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 78 | $ 16,124,000 | $ 206,717 | $ 105,000 |
| Tampa-St. Petersburg-Clearwater, FL | 65 | $ 14,847,000 | $ 228,415 | $ 129,000 |
| Raleigh-Cary, NC | 63 | $ 14,396,000 | $ 228,507 | $ 117,000 |
| Newark-Union, NJ-PA | 62 | $ 18,528,000 | $ 298,838 | $ 146,258 |
| Fort Worth-Arlington, TX | 53 | $ 11,052,000 | $ 208,528 | $ 118,000 |
| Orlando-Kissimmee-Sanford, FL | 52 | $ 10,642,000 | $ 204,653 | $ 106,000 |
| Indianapolis-Carmel, IN | 47 | $ 8,851,000 | $ 188,319 | $ 95,000 |
| New York-White Plains-Wayne, NY-NJ | 47 | $ 13,853,000 | $ 294,744 | $ 136,425 |
| San Antonio-New Braunfels, TX | 46 | $ 9,599,000 | $ 208,673 | $ 102,000 |
| Pittsburgh, PA | 44 | $ 8,040,000 | $ 182,727 | $ 130,000 |
| Bethesda-Rockville-Frederick, MD | 42 | $ 11,853,000 | $ 282,214 | $ 129,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 41 | $ 9,185,000 | $ 224,024 | $ 120,000 |
| Los Angeles-Long Beach-Glendale, CA | 41 | $ 14,910,000 | $ 363,658 | $ 126,000 |
| Richmond, VA | 40 | $ 10,064,000 | $ 251,600 | $ 118,000 |
| Charleston-North Charleston-Summerville, SC | 37 | $ 7,916,000 | $ 213,945 | $ 114,000 |
| Hartford-West Hartford-East Hartford, CT | 36 | $ 8,572,000 | $ 238,111 | $ 130,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 35 | $ 8,917,000 | $ 254,771 | $ 152,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 33 | $ 7,717,000 | $ 233,848 | $ 83,606 |
| Camden, NJ | 32 | $ 7,628,000 | $ 238,375 | $ 136,000 |
| Detroit-Livonia-Dearborn, MI | 30 | $ 5,771,000 | $ 192,366 | $ 260,000 |
| Miami-Miami Beach-Kendall, FL | 30 | $ 7,204,000 | $ 240,133 | $ 135,000 |
| Jacksonville, FL | 28 | $ 6,486,000 | $ 231,642 | $ 103,000 |
| Durham-Chapel Hill, NC | 27 | $ 6,298,000 | $ 233,259 | $ 108,000 |
| Cincinnati-Middletown, OH-KY-IN | 26 | $ 5,538,000 | $ 213,000 | $ 115,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 26 | $ 6,292,000 | $ 242,000 | $ 111,000 |
| Colorado Springs, CO | 25 | $ 5,954,000 | $ 238,160 | $ 100,000 |
| Columbus, OH | 25 | $ 4,709,000 | $ 188,360 | $ 103,000 |
| Riverside-San Bernardino-Ontario, CA | 25 | $ 6,131,000 | $ 245,240 | $ 87,000 |
| Cape Coral-Fort Myers, FL | 24 | $ 5,223,000 | $ 217,625 | $ 152,000 |
| Harrisburg-Carlisle, PA | 23 | $ 4,409,000 | $ 191,695 | $ 106,000 |
| Lake County-Kenosha County, IL-WI | 23 | $ 6,303,000 | $ 274,043 | $ 144,000 |
| San Diego-Carlsbad-San Marcos, CA | 23 | $ 7,222,000 | $ 314,000 | $ 145,000 |
| Bridgeport-Stamford-Norwalk, CT | 22 | $ 6,084,000 | $ 276,545 | $ 147,000 |
| Asheville, NC | 21 | $ 4,669,000 | $ 222,333 | $ 86,000 |
| Santa Ana-Anaheim-Irvine, CA | 21 | $ 8,406,000 | $ 400,285 | $ 183,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 20 | $ 3,591,000 | $ 179,550 | $ 117,800 |
| Cleveland-Elyria-Mentor, OH | 20 | $ 4,399,000 | $ 219,950 | $ 139,000 |
| Ann Arbor, MI | 17 | $ 3,395,000 | $ 199,705 | $ 112,000 |
| Greensboro-High Point, NC | 17 | $ 3,334,000 | $ 196,117 | $ 106,000 |
| Greenville-Mauldin-Easley, SC | 17 | $ 3,845,000 | $ 226,176 | $ 121,000 |
| Palm Bay-Melbourne-Titusville, FL | 17 | $ 2,790,000 | $ 164,117 | $ 88,000 |
| Wilmington, DE-MD-NJ | 16 | $ 3,496,000 | $ 218,500 | $ 79,250 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 2,946,000 | $ 196,400 | $ 87,000 |
| El Paso, TX | 15 | $ 3,038,000 | $ 202,533 | $ 116,000 |
| North Port-Bradenton-Sarasota, FL | 15 | $ 3,429,000 | $ 228,600 | $ 85,000 |
| San Francisco-San Mateo-Redwood City, CA | 15 | $ 5,848,000 | $ 389,866 | $ 260,000 |
| Columbia, SC | 14 | $ 2,819,000 | $ 201,357 | $ 93,000 |
| Gary, IN | 14 | $ 2,815,000 | $ 201,071 | $ 97,000 |
| Naples-Marco Island, FL | 14 | $ 3,288,000 | $ 234,857 | $ 153,000 |
| New Haven-Milford, CT | 14 | $ 3,573,000 | $ 255,214 | $ 126,000 |
| Oakland-Fremont-Hayward, CA | 14 | $ 5,186,000 | $ 370,428 | $ 122,000 |
| Akron, OH | 13 | $ 2,659,000 | $ 204,538 | $ 117,000 |
| Provo-Orem, UT | 13 | $ 2,562,000 | $ 197,076 | $ 93,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 4,487,000 | $ 345,153 | $ 132,000 |
| York-Hanover, PA | 13 | $ 2,922,000 | $ 224,769 | $ 109,000 |
| Grand Rapids-Wyoming, MI | 12 | $ 2,365,000 | $ 197,083 | $ 213,000 |
| Reno-Sparks, NV | 12 | $ 2,916,000 | $ 243,000 | $ 108,000 |
| Tacoma, WA | 12 | $ 2,613,000 | $ 217,750 | $ 95,000 |
| Tallahassee, FL | 12 | $ 2,926,000 | $ 243,833 | $ 128,000 |
| Bend, OR | 11 | $ 2,685,000 | $ 244,090 | $ 89,000 |
| Bremerton-Silverdale, WA | 11 | $ 2,714,000 | $ 246,727 | $ 107,000 |
| Charlottesville, VA | 11 | $ 2,479,000 | $ 225,363 | $ 106,000 |
| Eugene-Springfield, OR | 11 | $ 3,167,000 | $ 287,909 | $ 116,000 |
| Lancaster, PA | 11 | $ 2,356,000 | $ 214,181 | $ 87,000 |
| Wilmington, NC | 11 | $ 2,080,000 | $ 189,090 | $ 139,000 |
| Flint, MI | 10 | $ 1,737,000 | $ 173,700 | $ 89,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 10 | $ 1,893,000 | $ 189,300 | $ 109,000 |
| Norwich-New London, CT | 10 | $ 2,530,000 | $ 253,000 | $ 109,000 |
| Ocean City, NJ | 10 | $ 2,166,000 | $ 216,600 | $ 158,000 |
| Atlantic City-Hammonton, NJ | 9 | $ 2,084,000 | $ 231,555 | $ 130,000 |
| Lafayette, IN | 9 | $ 1,444,000 | $ 160,444 | $ 90,000 |
| Salem, OR | 9 | $ 1,521,000 | $ 169,000 | $ 57,000 |
| Scranton--Wilkes-Barre, PA | 9 | $ 1,856,000 | $ 206,222 | $ 80,000 |
| Toledo, OH | 9 | $ 1,408,000 | $ 156,444 | $ 89,000 |
| Waco, TX | 9 | $ 2,066,000 | $ 229,555 | $ 305,000 |
| Corpus Christi, TX | 8 | $ 1,394,000 | $ 174,250 | $ 104,000 |
| Dayton, OH | 8 | $ 1,505,000 | $ 188,125 | $ 101,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 2,925,000 | $ 365,625 | $ 108,000 |
| Port St. Lucie, FL | 8 | $ 1,888,000 | $ 236,000 | $ 235,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 1,406,000 | $ 200,857 | $ 64,000 |
| Boulder, CO | 7 | $ 1,534,000 | $ 219,142 | $ 79,000 |
| Fayetteville, NC | 7 | $ 1,275,000 | $ 182,142 | $ 64,000 |
| Kalamazoo-Portage, MI | 7 | $ 1,689,000 | $ 241,285 | $ 128,000 |
| Lubbock, TX | 7 | $ 1,489,000 | $ 212,714 | $ 101,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,243,000 | $ 177,571 | $ 106,000 |
| Savannah, GA | 7 | $ 1,617,000 | $ 231,000 | $ 99,000 |
| Spokane, WA | 7 | $ 1,860,000 | $ 265,714 | $ 103,000 |
| Trenton-Ewing, NJ | 7 | $ 1,499,000 | $ 214,142 | $ 180,000 |
| Anderson, SC | 6 | $ 977,000 | $ 162,833 | $ 94,000 |
| Beaumont-Port Arthur, TX | 6 | $ 913,000 | $ 152,166 | $ 65,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,011,000 | $ 168,500 | $ 85,000 |
| Gainesville, FL | 6 | $ 1,546,000 | $ 257,666 | $ 100,000 |
| Gainesville, GA | 6 | $ 1,087,000 | $ 181,166 | $ 103,000 |
| Greeley, CO | 6 | $ 1,326,000 | $ 221,000 | $ 76,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 1,227,000 | $ 204,500 | $ 77,000 |
| Holland-Grand Haven, MI | 6 | $ 1,191,000 | $ 198,500 | $ 100,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 6 | $ 1,226,000 | $ 204,333 | $ 176,000 |
| Salt Lake City, UT | 6 | $ 958,000 | $ 159,666 | $ 121,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 913,000 | $ 152,166 | $ 67,166 |
| State College, PA | 6 | $ 1,343,000 | $ 223,833 | $ 100,000 |
| College Station-Bryan, TX | 5 | $ 972,000 | $ 194,400 | $ 145,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 1,301,000 | $ 260,200 | $ 81,000 |
| Fort Wayne, IN | 5 | $ 903,000 | $ 180,600 | $ 113,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 867,000 | $ 173,400 | $ 70,000 |
| Reading, PA | 5 | $ 916,000 | $ 183,200 | $ 184,000 |
| St. Louis, MO-IL | 5 | $ 1,015,000 | $ 203,000 | $ 107,000 |
| Bakersfield-Delano, CA | 4 | $ 945,000 | $ 236,250 | $ 95,000 |
| Bloomington-Normal, IL | 4 | $ 732,000 | $ 183,000 | $ 114,000 |
| Columbus, GA-AL | 4 | $ 868,000 | $ 217,000 | $ 117,000 |
| Columbus, IN | 4 | $ 769,000 | $ 192,250 | $ 94,000 |
| Erie, PA | 4 | $ 718,000 | $ 179,500 | $ 134,000 |
| Lansing-East Lansing, MI | 4 | $ 773,000 | $ 193,250 | $ 106,000 |
| Longview, TX | 4 | $ 749,000 | $ 187,250 | $ 106,000 |
| Lynchburg, VA | 4 | $ 559,000 | $ 139,750 | $ 80,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 546,000 | $ 136,500 | $ 68,000 |
| Olympia, WA | 4 | $ 1,068,000 | $ 267,000 | $ 109,000 |
| Roanoke, VA | 4 | $ 837,000 | $ 209,250 | $ 52,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,343,000 | $ 335,750 | $ 239,000 |
| Stockton, CA | 4 | $ 746,000 | $ 186,500 | $ 104,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,055,000 | $ 263,750 | $ 77,000 |
| Albuquerque, NM | 3 | $ 873,000 | $ 291,000 | $ 191,000 |
| Athens-Clarke County, GA | 3 | $ 828,000 | $ 276,000 | $ 92,000 |
| Bay City, MI | 3 | $ 444,000 | $ 148,000 | $ 109,000 |
| Bellingham, WA | 3 | $ 581,000 | $ 193,666 | $ 78,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 382,000 | $ 127,333 | $ 69,000 |
| Bloomington, IN | 3 | $ 417,000 | $ 139,000 | $ 51,000 |
| Brownsville-Harlingen, TX | 3 | $ 503,000 | $ 167,666 | $ 79,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 388,000 | $ 129,333 | $ 85,000 |
| Fresno, CA | 3 | $ 404,000 | $ 134,666 | $ 155,000 |
| Jacksonville, NC | 3 | $ 538,000 | $ 179,333 | $ 30,000 |
| Lakeland-Winter Haven, FL | 3 | $ 715,000 | $ 238,333 | $ 118,000 |
| Lebanon, PA | 3 | $ 593,000 | $ 197,666 | $ 114,000 |
| Medford, OR | 3 | $ 642,000 | $ 214,000 | $ 80,000 |
| Monroe, MI | 3 | $ 525,000 | $ 175,000 | $ 103,000 |
| Niles-Benton Harbor, MI | 3 | $ 439,000 | $ 146,333 | $ 118,000 |
| Ogden-Clearfield, UT | 3 | $ 902,000 | $ 300,666 | $ 77,000 |
| Palm Coast, FL | 3 | $ 335,000 | $ 111,666 | $ 51,000 |
| Peoria, IL | 3 | $ 526,000 | $ 175,333 | $ 112,000 |
| Pueblo, CO | 3 | $ 568,000 | $ 189,333 | $ 120,000 |
| Saginaw-Saginaw Township North, MI | 3 | $ 415,000 | $ 138,333 | $ 77,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 975,000 | $ 325,000 | $ 131,000 |
| Spartanburg, SC | 3 | $ 518,000 | $ 172,666 | $ 71,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 740,000 | $ 246,666 | $ 192,000 |
| Winchester, VA-WV | 3 | $ 673,000 | $ 224,333 | $ 87,000 |
| Winston-Salem, NC | 3 | $ 485,000 | $ 161,666 | $ 16,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 409,000 | $ 204,500 | $ 62,000 |
| Canton-Massillon, OH | 2 | $ 409,000 | $ 204,500 | $ 132,000 |
| Champaign-Urbana, IL | 2 | $ 394,000 | $ 197,000 | $ 34,000 |
| Corvallis, OR | 2 | $ 465,000 | $ 232,500 | $ 82,000 |
| Evansville, IN-KY | 2 | $ 453,000 | $ 226,500 | $ 117,000 |
| Florence, SC | 2 | $ 418,000 | $ 209,000 | $ 194,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 293,000 | $ 146,500 | $ 91,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 344,000 | $ 172,000 | $ 91,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 834,000 | $ 417,000 | $ 367,000 |
| Laredo, TX | 2 | $ 254,000 | $ 127,000 | $ 54,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 404,000 | $ 202,000 | $ 109,000 |
| Michigan City-La Porte, IN | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Midland, TX | 2 | $ 559,000 | $ 279,500 | $ 62,000 |
| Modesto, CA | 2 | $ 346,000 | $ 173,000 | $ 100,000 |
| Muskegon-Norton Shores, MI | 2 | $ 192,000 | $ 96,000 | $ 48,000 |
| Nassau-Suffolk, NY | 2 | $ 520,000 | $ 260,000 | $ 136,000 |
| Ocala, FL | 2 | $ 560,000 | $ 280,000 | $ 90,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 313,000 | $ 156,500 | $ 150,000 |
| Punta Gorda, FL | 2 | $ 369,000 | $ 184,500 | $ 92,000 |
| Redding, CA | 2 | $ 389,000 | $ 194,500 | $ 46,000 |
| Rockford, IL | 2 | $ 243,000 | $ 121,500 | $ 40,000 |
| Sebastian-Vero Beach, FL | 2 | $ 348,000 | $ 174,000 | $ 158,000 |
| Sumter, SC | 2 | $ 514,000 | $ 257,000 | $ 69,000 |
| Tyler, TX | 2 | $ 351,000 | $ 175,500 | $ 150,000 |
| Victoria, TX | 2 | $ 342,000 | $ 171,000 | $ 95,000 |
| Visalia-Porterville, CA | 2 | $ 396,000 | $ 198,000 | $ 71,000 |
| Williamsport, PA | 2 | $ 394,000 | $ 197,000 | $ 75,000 |
| Yakima, WA | 2 | $ 345,000 | $ 172,500 | $ 67,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 319,000 | $ 159,500 | $ 220,000 |
| Abilene, TX | 1 | $ 196,000 | $ 196,000 | $ 135,000 |
| Albany, GA | 1 | $ 83,000 | $ 83,000 | $ 101,000 |
| Amarillo, TX | 1 | $ 178,000 | $ 178,000 | $ 111,000 |
| Brunswick, GA | 1 | $ 283,000 | $ 283,000 | $ 137,000 |
| Burlington, NC | 1 | $ 308,000 | $ 308,000 | $ 146,000 |
| Chico, CA | 1 | $ 184,000 | $ 184,000 | $ 61,000 |
| Cumberland, MD-WV | 1 | $ 155,000 | $ 155,000 | $ 121,000 |
| Dalton, GA | 1 | $ 162,000 | $ 162,000 | $ 85,000 |
| Danville, IL | 1 | $ 180,000 | $ 180,000 | $ 120,000 |
| Duluth, MN-WI | 1 | $ 140,000 | $ 140,000 | $ 85,000 |
| Elkhart-Goshen, IN | 1 | $ 148,000 | $ 148,000 | $ 64,000 |
| Fargo, ND-MN | 1 | $ 120,000 | $ 120,000 | $ 106,000 |
| Greenville, NC | 1 | $ 290,000 | $ 290,000 | $ 115,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 76,000 | $ 76,000 | $ 63,000 |
| Jackson, MI | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Kankakee-Bradley, IL | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 263,000 | $ 263,000 | $ 103,000 |
| Las Cruces, NM | 1 | $ 129,000 | $ 129,000 | $ 88,000 |
| Lewiston, ID-WA | 1 | $ 163,000 | $ 163,000 | $ 56,000 |
| Madera-Chowchilla, CA | 1 | $ 178,000 | $ 178,000 | $ 75,000 |
| Muncie, IN | 1 | $ 136,000 | $ 136,000 | $ 100,000 |
| Napa, CA | 1 | $ 495,000 | $ 495,000 | $ 131,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 293,000 | $ 293,000 | $ 72,000 |
| Rochester, MN | 1 | $ 109,000 | $ 109,000 | $ 79,000 |
| Rochester, NY | 1 | $ 152,000 | $ 152,000 | $ 86,000 |
| Rocky Mount, NC | 1 | $ 180,000 | $ 180,000 | $ 111,000 |
| Rome, GA | 1 | $ 107,000 | $ 107,000 | $ 81,000 |
| Salinas, CA | 1 | $ 414,000 | $ 414,000 | $ 230,000 |
| Salisbury, MD | 1 | $ 196,000 | $ 196,000 | $ 67,000 |
| San Angelo, TX | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Sandusky, OH | 1 | $ 206,000 | $ 206,000 | $ 116,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 191,000 | $ 191,000 | $ 100,000 |
| Santa Fe, NM | 1 | $ 210,000 | $ 210,000 | $ 233,000 |
| Sherman-Denison, TX | 1 | $ 117,000 | $ 117,000 | $ 118,000 |
| Springfield, OH | 1 | $ 182,000 | $ 182,000 | $ 106,000 |
| St. Cloud, MN | 1 | $ 226,000 | $ 226,000 | $ 220,000 |
| St. George, UT | 1 | $ 295,000 | $ 295,000 | $ 30,000 |
| Syracuse, NY | 1 | $ 101,000 | $ 101,000 | $ 113,000 |
| Valdosta, GA | 1 | $ 158,000 | $ 158,000 | $ 170,000 |
| Warner Robins, GA | 1 | $ 233,000 | $ 233,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company, Li in 2013
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 | 4,226 | $1,013,574,000 | $239,000 | $1,934,000 | $123,000 | $5,034,000 |
| Home Purchase | 2,925 | $757,084,000 | $258,000 | $1,172,000 | $120,000 | $5,035,000 |
| Home Improvement | 6 | $1,564,000 | $260,000 | $388,000 | $115,000 | $189,000 |
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 | 4,878 | $1,219,221,000 | $249,000 | $1,934,000 | $122,000 | $5,035,000 |
| Not Provided | 1,092 | $259,866,000 | $237,000 | $1,172,000 | $123,000 | $1,677,000 |
| Asian | 616 | $161,832,000 | $262,000 | $1,300,000 | $134,000 | $950,000 |
| Hispanic | 295 | $67,531,000 | $228,000 | $846,000 | $106,000 | $584,000 |
| Black or African American | 226 | $51,493,000 | $227,000 | $840,000 | $103,000 | $512,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $6,776,000 | $271,000 | $664,000 | $93,000 | $162,000 |
| American Indian or Alaskan Native | 25 | $5,503,000 | $220,000 | $417,000 | $89,000 | $237,000 |
| 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) | 6,151 | $1,521,456,000 | $247,000 | $1,934,000 | $129,000 | $5,035,000 |
| FHA-insured (Federal Housing Administration) | 524 | $121,303,000 | $231,000 | $743,000 | $80,000 | $1,081,000 |
| VA-guaranteed (Veterans Administration) | 473 | $128,055,000 | $270,000 | $846,000 | $75,000 | $399,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,408,000 | $156,000 | $209,000 | $58,000 | $79,000 |
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 | 4,930 | $1,217,349,000 | $246,000 | $1,934,000 | $121,000 | $5,035,000 |
| Application Withdrawn By Applicant | 1,978 | $487,138,000 | $246,000 | $970,000 | $124,000 | $1,800,000 |
| Application Approved But Not Accepted | 111 | $30,565,000 | $275,000 | $625,000 | $127,000 | $449,000 |
| Application Denied By Financial Institution | 101 | $26,707,000 | $264,000 | $740,000 | $116,000 | $560,000 |
| File Closed For Incompleteness | 37 | $10,463,000 | $282,000 | $850,000 | $121,000 | $371,000 |
| 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 | 38 | $11,122,000 | $292,000 | $600,000 | $111,000 | $560,000 |
| Collateral | 28 | $7,276,000 | $259,000 | $433,000 | $142,000 | $529,000 |
| Credit History | 16 | $3,603,000 | $225,000 | $410,000 | $74,000 | $142,000 |
| Other | 8 | $1,822,000 | $227,000 | $338,000 | $108,000 | $294,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,394,000 | $348,000 | $740,000 | $181,000 | $350,000 |
| Unverifiable Information | 3 | $810,000 | $270,000 | $407,000 | $121,000 | $177,000 |
| Employment History | 2 | $327,000 | $163,000 | $183,000 | $74,000 | $83,000 |
| Credit Application Incomplete | 1 | $190,000 | $190,000 | $190,000 | $200,000 | $200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company, Li's 2013 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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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