Cardinal Financial Company, Li Mortgage Lending & HMDA Data, 2014
In 2014, Cardinal Financial Company, Li of Charlotte, NC reported 17,542 mortgage applications totaling $4.2 billion, up 145% from 2013. The average application was for $240,152, and applicants reported an average income of $113,808. 64% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (741), Atlanta-Sandy Springs-Roswell, GA (703) and Las Vegas-Henderson-Paradise, NV (655) (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 | 17,542 |
| Total Mortgage Loan Application Amount | $4,212,762,000 |
| Average Mortgage Loan Application Amount | $240,152 |
| Highest Mortgage Loan Application Amount | $2,382,000 |
| Average Applicant Income | $113,808 |
| Highest Applicant Income | $1,768,000 |
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records Cardinal Financial Company, Li filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-The Woodlands-Sugar Land, TX | 741 | $ 165,805,000 | $ 223,758 | $ 128,000 |
| Atlanta-Sandy Springs-Roswell, GA | 703 | $ 155,114,000 | $ 220,645 | $ 108,000 |
| Las Vegas-Henderson-Paradise, NV | 655 | $ 141,297,000 | $ 215,720 | $ 100,000 |
| Phoenix-Mesa-Scottsdale, AZ | 589 | $ 130,097,000 | $ 220,877 | $ 98,000 |
| Dallas-Plano-Irving, TX | 566 | $ 137,215,000 | $ 242,429 | $ 134,000 |
| Charlotte-Concord-Gastonia, NC-SC | 555 | $ 120,945,000 | $ 217,918 | $ 106,216 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 499 | $ 173,046,000 | $ 346,785 | $ 133,002 |
| Los Angeles-Long Beach-Glendale, CA | 448 | $ 163,864,000 | $ 365,767 | $ 144,000 |
| Chicago-Naperville-Arlington Heights, IL | 425 | $ 98,769,000 | $ 232,397 | $ 121,000 |
| Montgomery County-Bucks County-Chester County, PA | 333 | $ 86,470,000 | $ 259,669 | $ 115,000 |
| Austin-Round Rock, TX | 308 | $ 73,951,000 | $ 240,100 | $ 121,000 |
| Riverside-San Bernardino-Ontario, CA | 294 | $ 76,468,000 | $ 260,095 | $ 104,000 |
| Warren-Troy-Farmington Hills, MI | 267 | $ 55,020,000 | $ 206,067 | $ 108,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 256 | $ 56,222,000 | $ 219,617 | $ 111,898 |
| New York-Jersey City-White Plains, NY-NJ | 256 | $ 73,560,000 | $ 287,343 | $ 133,625 |
| Denver-Aurora-Lakewood, CO | 255 | $ 64,721,000 | $ 253,807 | $ 108,000 |
| San Diego-Carlsbad, CA | 249 | $ 83,820,000 | $ 336,626 | $ 124,000 |
| Tampa-St. Petersburg-Clearwater, FL | 243 | $ 49,650,000 | $ 204,320 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 223 | $ 67,945,000 | $ 304,686 | $ 124,000 |
| Raleigh, NC | 220 | $ 50,971,000 | $ 231,686 | $ 110,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 220 | $ 57,762,000 | $ 262,554 | $ 117,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 213 | $ 55,362,000 | $ 259,915 | $ 114,042 |
| Baltimore-Columbia-Towson, MD | 202 | $ 55,055,000 | $ 272,549 | $ 109,000 |
| Fort Worth-Arlington, TX | 196 | $ 38,025,000 | $ 194,005 | $ 112,000 |
| Oakland-Hayward-Berkeley, CA | 188 | $ 76,468,000 | $ 406,744 | $ 129,000 |
| Orlando-Kissimmee-Sanford, FL | 187 | $ 40,735,000 | $ 217,834 | $ 103,000 |
| Philadelphia, PA | 184 | $ 38,635,000 | $ 209,972 | $ 107,000 |
| Anaheim-Santa Ana-Irvine, CA | 180 | $ 75,684,000 | $ 420,466 | $ 143,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 174 | $ 42,944,000 | $ 246,804 | $ 118,000 |
| Newark, NJ-PA | 156 | $ 45,825,000 | $ 293,750 | $ 148,647 |
| Miami-Miami Beach-Kendall, FL | 139 | $ 32,939,000 | $ 236,971 | $ 131,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 132 | $ 31,239,000 | $ 236,659 | $ 131,000 |
| San Antonio-New Braunfels, TX | 127 | $ 27,063,000 | $ 213,094 | $ 123,000 |
| Indianapolis-Carmel-Anderson, IN | 119 | $ 21,575,000 | $ 181,302 | $ 100,000 |
| Silver Spring-Frederick-Rockville, MD | 116 | $ 38,252,000 | $ 329,758 | $ 141,000 |
| Columbus, OH | 113 | $ 24,264,000 | $ 214,725 | $ 111,000 |
| Cleveland-Elyria, OH | 112 | $ 23,691,000 | $ 211,526 | $ 113,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 112 | $ 50,168,000 | $ 447,928 | $ 156,000 |
| Jacksonville, FL | 111 | $ 23,618,000 | $ 212,774 | $ 122,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 99 | $ 20,628,000 | $ 208,363 | $ 101,000 |
| Pittsburgh, PA | 99 | $ 21,094,000 | $ 213,070 | $ 99,000 |
| Reno, NV | 96 | $ 22,393,000 | $ 233,260 | $ 109,000 |
| Salt Lake City, UT | 94 | $ 21,685,000 | $ 230,691 | $ 111,000 |
| Cincinnati, OH-KY-IN | 93 | $ 18,650,000 | $ 200,537 | $ 98,903 |
| Charleston-North Charleston, SC | 89 | $ 22,128,000 | $ 248,629 | $ 108,000 |
| Tucson, AZ | 88 | $ 17,062,000 | $ 193,886 | $ 82,000 |
| Richmond, VA | 87 | $ 20,062,000 | $ 230,597 | $ 114,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 82 | $ 15,112,000 | $ 184,292 | $ 85,975 |
| Wilmington, DE-MD-NJ | 81 | $ 18,863,000 | $ 232,876 | $ 109,037 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 79 | $ 17,613,000 | $ 222,949 | $ 90,658 |
| Detroit-Dearborn-Livonia, MI | 75 | $ 15,360,000 | $ 204,800 | $ 115,000 |
| Palm Bay-Melbourne-Titusville, FL | 71 | $ 12,707,000 | $ 178,971 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 69 | $ 14,375,000 | $ 208,333 | $ 120,000 |
| North Port-Sarasota-Bradenton, FL | 68 | $ 14,472,000 | $ 212,823 | $ 106,000 |
| Camden, NJ | 67 | $ 13,966,000 | $ 208,447 | $ 105,000 |
| San Francisco-Redwood City-South San Francisco, CA | 67 | $ 28,702,000 | $ 428,388 | $ 143,000 |
| Durham-Chapel Hill, NC | 65 | $ 14,373,000 | $ 221,123 | $ 117,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 65 | $ 23,256,000 | $ 357,784 | $ 120,000 |
| Greenville-Anderson-Mauldin, SC | 64 | $ 13,820,000 | $ 215,937 | $ 104,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 63 | $ 11,975,000 | $ 190,079 | $ 92,666 |
| Port St. Lucie, FL | 63 | $ 11,697,000 | $ 185,666 | $ 107,000 |
| Hartford-West Hartford-East Hartford, CT | 58 | $ 12,422,000 | $ 214,172 | $ 112,000 |
| Lake County-Kenosha County, IL-WI | 56 | $ 13,724,000 | $ 245,071 | $ 119,125 |
| Bridgeport-Stamford-Norwalk, CT | 54 | $ 16,703,000 | $ 309,314 | $ 157,000 |
| Columbia, SC | 54 | $ 9,713,000 | $ 179,870 | $ 86,000 |
| Providence-Warwick, RI-MA | 50 | $ 12,255,000 | $ 245,100 | $ 116,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 48 | $ 8,008,000 | $ 166,833 | $ 81,000 |
| Louisville/Jefferson County, KY-IN | 47 | $ 9,386,000 | $ 199,702 | $ 111,191 |
| Stockton-Lodi, CA | 47 | $ 11,585,000 | $ 246,489 | $ 110,000 |
| Grand Rapids-Wyoming, MI | 45 | $ 9,186,000 | $ 204,133 | $ 111,000 |
| Provo-Orem, UT | 44 | $ 9,883,000 | $ 224,613 | $ 99,000 |
| Colorado Springs, CO | 43 | $ 10,315,000 | $ 239,883 | $ 98,000 |
| Portland-South Portland, ME | 43 | $ 9,200,000 | $ 213,953 | $ 127,000 |
| Tacoma-Lakewood, WA | 43 | $ 9,714,000 | $ 225,906 | $ 101,000 |
| Vallejo-Fairfield, CA | 43 | $ 11,373,000 | $ 264,488 | $ 100,000 |
| Birmingham-Hoover, AL | 40 | $ 7,490,000 | $ 187,250 | $ 107,000 |
| Milwaukee-Waukesha-West Allis, WI | 40 | $ 9,761,000 | $ 244,025 | $ 118,000 |
| Wilmington, NC | 40 | $ 9,284,000 | $ 232,100 | $ 117,000 |
| Asheville, NC | 38 | $ 6,901,000 | $ 181,605 | $ 94,000 |
| Naples-Immokalee-Marco Island, FL | 38 | $ 8,407,000 | $ 221,236 | $ 139,000 |
| El Paso, TX | 37 | $ 5,915,000 | $ 159,864 | $ 69,000 |
| Kansas City, MO-KS | 37 | $ 7,791,000 | $ 210,567 | $ 115,000 |
| Ogden-Clearfield, UT | 37 | $ 9,006,000 | $ 243,405 | $ 125,000 |
| Albuquerque, NM | 36 | $ 7,504,000 | $ 208,444 | $ 98,000 |
| Fresno, CA | 36 | $ 7,865,000 | $ 218,472 | $ 118,000 |
| Savannah, GA | 36 | $ 7,204,000 | $ 200,111 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 35 | $ 6,967,000 | $ 199,057 | $ 98,285 |
| Dayton, OH | 34 | $ 5,804,000 | $ 170,705 | $ 90,000 |
| Lakeland-Winter Haven, FL | 34 | $ 6,168,000 | $ 181,411 | $ 99,000 |
| Ann Arbor, MI | 33 | $ 6,520,000 | $ 197,575 | $ 120,000 |
| Oklahoma City, OK | 33 | $ 6,613,000 | $ 200,393 | $ 94,000 |
| Pensacola-Ferry Pass-Brent, FL | 33 | $ 6,238,000 | $ 189,030 | $ 116,000 |
| Santa Rosa, CA | 33 | $ 11,201,000 | $ 339,424 | $ 111,000 |
| Boulder, CO | 32 | $ 9,349,000 | $ 292,156 | $ 118,000 |
| Greensboro-High Point, NC | 32 | $ 5,866,000 | $ 183,312 | $ 109,000 |
| Elgin, IL | 31 | $ 6,734,000 | $ 217,225 | $ 134,000 |
| Akron, OH | 30 | $ 4,950,000 | $ 165,000 | $ 101,000 |
| Bakersfield, CA | 30 | $ 6,153,000 | $ 205,100 | $ 105,000 |
| Salisbury, MD-DE | 30 | $ 7,929,000 | $ 264,300 | $ 153,333 |
| Modesto, CA | 29 | $ 6,380,000 | $ 220,000 | $ 106,000 |
| Gary, IN | 28 | $ 6,023,000 | $ 215,107 | $ 110,000 |
| Memphis, TN-MS-AR | 28 | $ 5,776,000 | $ 206,285 | $ 110,571 |
| Prescott, AZ | 28 | $ 6,712,000 | $ 239,714 | $ 90,000 |
| Harrisburg-Carlisle, PA | 27 | $ 4,900,000 | $ 181,481 | $ 87,000 |
| Lexington-Fayette, KY | 27 | $ 6,014,000 | $ 222,740 | $ 125,000 |
| Columbus, GA-AL | 26 | $ 4,989,000 | $ 191,884 | $ 74,923 |
| Crestview-Fort Walton Beach-Destin, FL | 26 | $ 6,062,000 | $ 233,153 | $ 120,000 |
| Fort Collins, CO | 26 | $ 5,466,000 | $ 210,230 | $ 91,000 |
| Huntsville, AL | 26 | $ 5,743,000 | $ 220,884 | $ 110,000 |
| Omaha-Council Bluffs, NE-IA | 26 | $ 4,370,000 | $ 168,076 | $ 85,576 |
| Winston-Salem, NC | 26 | $ 4,671,000 | $ 179,653 | $ 93,000 |
| Panama City, FL | 25 | $ 4,472,000 | $ 178,880 | $ 104,000 |
| Tallahassee, FL | 25 | $ 4,934,000 | $ 197,360 | $ 101,000 |
| Lake Havasu City-Kingman, AZ | 24 | $ 4,928,000 | $ 205,333 | $ 97,000 |
| New Haven-Milford, CT | 24 | $ 5,667,000 | $ 236,125 | $ 113,000 |
| Punta Gorda, FL | 24 | $ 4,132,000 | $ 172,166 | $ 88,000 |
| Tulsa, OK | 24 | $ 5,251,000 | $ 218,791 | $ 125,000 |
| Chattanooga, TN-GA | 23 | $ 5,301,000 | $ 230,478 | $ 116,086 |
| Fayetteville, NC | 23 | $ 4,237,000 | $ 184,217 | $ 61,000 |
| Greeley, CO | 23 | $ 4,837,000 | $ 210,304 | $ 93,000 |
| Jacksonville, NC | 23 | $ 4,628,000 | $ 201,217 | $ 93,000 |
| Knoxville, TN | 23 | $ 5,116,000 | $ 222,434 | $ 114,000 |
| Daphne-Fairhope-Foley, AL | 22 | $ 4,033,000 | $ 183,318 | $ 97,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 22 | $ 5,192,000 | $ 236,000 | $ 145,000 |
| Corpus Christi, TX | 21 | $ 4,249,000 | $ 202,333 | $ 97,000 |
| Ocala, FL | 20 | $ 3,040,000 | $ 152,000 | $ 71,000 |
| Bremerton-Silverdale, WA | 19 | $ 5,111,000 | $ 269,000 | $ 86,000 |
| Salem, OR | 19 | $ 3,501,000 | $ 184,263 | $ 101,000 |
| Santa Maria-Santa Barbara, CA | 19 | $ 7,969,000 | $ 419,421 | $ 119,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 19 | $ 3,757,000 | $ 197,736 | $ 111,000 |
| Spokane-Spokane Valley, WA | 19 | $ 4,340,000 | $ 228,421 | $ 86,000 |
| Toledo, OH | 19 | $ 3,558,000 | $ 187,263 | $ 78,000 |
| Trenton, NJ | 19 | $ 4,844,000 | $ 254,947 | $ 119,000 |
| Dover, DE | 18 | $ 3,228,000 | $ 179,333 | $ 68,000 |
| Lansing-East Lansing, MI | 18 | $ 3,790,000 | $ 210,555 | $ 103,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 18 | $ 6,084,000 | $ 338,000 | $ 155,000 |
| Santa Fe, NM | 18 | $ 4,427,000 | $ 245,944 | $ 109,000 |
| Sierra Vista-Douglas, AZ | 18 | $ 3,196,000 | $ 177,555 | $ 48,000 |
| Wichita, KS | 18 | $ 2,725,000 | $ 151,388 | $ 112,000 |
| York-Hanover, PA | 18 | $ 2,658,000 | $ 147,666 | $ 88,000 |
| Flagstaff, AZ | 17 | $ 4,719,000 | $ 277,588 | $ 114,000 |
| McAllen-Edinburg-Mission, TX | 17 | $ 2,797,000 | $ 164,529 | $ 95,000 |
| Roanoke, VA | 17 | $ 2,964,000 | $ 174,352 | $ 99,000 |
| Atlantic City-Hammonton, NJ | 16 | $ 3,448,000 | $ 215,500 | $ 120,000 |
| Eugene, OR | 16 | $ 3,977,000 | $ 248,562 | $ 83,000 |
| Lancaster, PA | 16 | $ 2,870,000 | $ 179,375 | $ 89,000 |
| Madison, WI | 16 | $ 4,101,000 | $ 256,312 | $ 121,000 |
| Reading, PA | 16 | $ 3,009,000 | $ 188,062 | $ 94,000 |
| Redding, CA | 16 | $ 3,647,000 | $ 227,937 | $ 102,000 |
| Youngstown-Warren-Boardman, OH-PA | 16 | $ 2,249,000 | $ 140,562 | $ 72,500 |
| Blacksburg-Christiansburg-Radford, VA | 15 | $ 3,334,000 | $ 222,266 | $ 108,000 |
| Athens-Clarke County, GA | 14 | $ 2,542,000 | $ 181,571 | $ 133,000 |
| Canton-Massillon, OH | 14 | $ 2,195,000 | $ 156,785 | $ 84,000 |
| Charlottesville, VA | 14 | $ 3,029,000 | $ 216,357 | $ 81,000 |
| Des Moines-West Des Moines, IA | 14 | $ 2,858,000 | $ 204,142 | $ 112,000 |
| Gainesville, GA | 14 | $ 3,196,000 | $ 228,285 | $ 161,000 |
| Lynchburg, VA | 14 | $ 2,572,000 | $ 183,714 | $ 112,000 |
| New Orleans-Metairie, LA | 14 | $ 3,311,000 | $ 236,500 | $ 143,000 |
| Tyler, TX | 14 | $ 2,262,000 | $ 161,571 | $ 100,000 |
| Auburn-Opelika, AL | 13 | $ 2,122,000 | $ 163,230 | $ 74,000 |
| Montgomery, AL | 13 | $ 2,428,000 | $ 186,769 | $ 116,000 |
| Olympia-Tumwater, WA | 13 | $ 3,577,000 | $ 275,153 | $ 103,000 |
| Salinas, CA | 13 | $ 4,323,000 | $ 332,538 | $ 80,000 |
| Spartanburg, SC | 13 | $ 2,957,000 | $ 227,461 | $ 88,000 |
| St. George, UT | 13 | $ 4,146,000 | $ 318,923 | $ 122,000 |
| St. Louis, MO-IL | 13 | $ 2,415,000 | $ 185,769 | $ 91,000 |
| Bend-Redmond, OR | 12 | $ 2,931,000 | $ 244,250 | $ 141,000 |
| Chico, CA | 12 | $ 2,304,000 | $ 192,000 | $ 89,000 |
| College Station-Bryan, TX | 12 | $ 1,963,000 | $ 163,583 | $ 91,000 |
| Fort Wayne, IN | 12 | $ 2,073,000 | $ 172,750 | $ 90,000 |
| Hickory-Lenoir-Morganton, NC | 12 | $ 2,390,000 | $ 199,166 | $ 75,000 |
| Ocean City, NJ | 12 | $ 3,140,000 | $ 261,666 | $ 170,000 |
| Visalia-Porterville, CA | 12 | $ 2,426,000 | $ 202,166 | $ 123,000 |
| Amarillo, TX | 11 | $ 1,858,000 | $ 168,909 | $ 84,000 |
| Killeen-Temple, TX | 11 | $ 1,817,000 | $ 165,181 | $ 66,000 |
| Lincoln, NE | 11 | $ 2,363,000 | $ 214,818 | $ 100,000 |
| Midland, TX | 11 | $ 2,903,000 | $ 263,909 | $ 149,000 |
| Yuma, AZ | 11 | $ 2,233,000 | $ 203,000 | $ 101,000 |
| Beaumont-Port Arthur, TX | 10 | $ 1,877,000 | $ 187,700 | $ 123,000 |
| Bellingham, WA | 10 | $ 2,942,000 | $ 294,200 | $ 99,000 |
| Carson City, NV | 10 | $ 2,164,000 | $ 216,400 | $ 175,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 10 | $ 1,752,000 | $ 175,200 | $ 131,000 |
| Gainesville, FL | 10 | $ 2,075,000 | $ 207,500 | $ 149,000 |
| Kalamazoo-Portage, MI | 10 | $ 2,516,000 | $ 251,600 | $ 170,000 |
| Nassau County-Suffolk County, NY | 10 | $ 3,347,000 | $ 334,700 | $ 166,000 |
| Sebastian-Vero Beach, FL | 10 | $ 1,427,000 | $ 142,700 | $ 91,000 |
| Waco, TX | 10 | $ 2,704,000 | $ 270,400 | $ 130,000 |
| Winchester, VA-WV | 10 | $ 1,755,000 | $ 175,500 | $ 104,400 |
| Bloomington, IN | 9 | $ 980,000 | $ 108,888 | $ 69,000 |
| Chambersburg-Waynesboro, PA | 9 | $ 2,052,000 | $ 228,000 | $ 203,000 |
| Evansville, IN-KY | 9 | $ 2,130,000 | $ 236,666 | $ 99,000 |
| Flint, MI | 9 | $ 1,255,000 | $ 139,444 | $ 71,000 |
| Norwich-New London, CT | 9 | $ 1,913,000 | $ 212,555 | $ 128,000 |
| San Rafael, CA | 9 | $ 3,582,000 | $ 398,000 | $ 142,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 4,860,000 | $ 540,000 | $ 135,000 |
| Sherman-Denison, TX | 9 | $ 1,643,000 | $ 182,555 | $ 136,000 |
| Sioux Falls, SD | 9 | $ 2,252,000 | $ 250,222 | $ 115,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 1,639,000 | $ 182,111 | $ 112,333 |
| State College, PA | 9 | $ 1,578,000 | $ 175,333 | $ 75,000 |
| Warner Robins, GA | 9 | $ 1,650,000 | $ 183,333 | $ 76,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 8 | $ 1,515,000 | $ 189,375 | $ 139,000 |
| Burlington, NC | 8 | $ 1,995,000 | $ 249,375 | $ 143,000 |
| Clarksville, TN-KY | 8 | $ 1,940,000 | $ 242,500 | $ 89,000 |
| Corvallis, OR | 8 | $ 1,704,000 | $ 213,000 | $ 90,000 |
| Homosassa Springs, FL | 8 | $ 1,365,000 | $ 170,625 | $ 71,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 1,544,000 | $ 193,000 | $ 59,000 |
| Longview, WA | 8 | $ 1,877,000 | $ 234,625 | $ 82,000 |
| New Bern, NC | 8 | $ 1,624,000 | $ 203,000 | $ 145,000 |
| Niles-Benton Harbor, MI | 8 | $ 1,609,000 | $ 201,125 | $ 135,000 |
| Peoria, IL | 8 | $ 1,564,000 | $ 195,500 | $ 156,000 |
| Rochester, MN | 8 | $ 1,625,000 | $ 203,125 | $ 102,000 |
| Rockingham County-Strafford County, NH | 8 | $ 2,233,000 | $ 279,125 | $ 109,000 |
| Billings, MT | 7 | $ 1,178,000 | $ 168,285 | $ 80,000 |
| Bismarck, ND | 7 | $ 953,000 | $ 136,142 | $ 60,000 |
| Bowling Green, KY | 7 | $ 860,000 | $ 122,857 | $ 103,000 |
| Brownsville-Harlingen, TX | 7 | $ 1,369,000 | $ 195,571 | $ 109,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 1,233,000 | $ 176,142 | $ 103,571 |
| East Stroudsburg, PA | 7 | $ 980,000 | $ 140,000 | $ 96,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,507,000 | $ 215,285 | $ 90,857 |
| Kennewick-Richland, WA | 7 | $ 1,428,000 | $ 204,000 | $ 94,000 |
| Manchester-Nashua, NH | 7 | $ 1,713,000 | $ 244,714 | $ 115,000 |
| Merced, CA | 7 | $ 1,331,000 | $ 190,142 | $ 95,000 |
| Mobile, AL | 7 | $ 1,152,000 | $ 164,571 | $ 73,000 |
| Rapid City, SD | 7 | $ 1,543,000 | $ 220,428 | $ 99,000 |
| Syracuse, NY | 7 | $ 1,235,000 | $ 176,428 | $ 72,000 |
| The Villages, FL | 7 | $ 1,508,000 | $ 215,428 | $ 90,000 |
| Appleton, WI | 6 | $ 1,112,000 | $ 185,333 | $ 99,000 |
| Bangor, ME | 6 | $ 850,000 | $ 141,666 | $ 53,000 |
| Baton Rouge, LA | 6 | $ 949,000 | $ 158,166 | $ 118,000 |
| Columbus, IN | 6 | $ 1,165,000 | $ 194,166 | $ 116,000 |
| Florence, SC | 6 | $ 1,175,000 | $ 195,833 | $ 100,000 |
| Greenville, NC | 6 | $ 871,000 | $ 145,166 | $ 95,000 |
| Houma-Thibodaux, LA | 6 | $ 935,000 | $ 155,833 | $ 73,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 880,000 | $ 146,666 | $ 90,000 |
| La Crosse-Onalaska, WI-MN | 6 | $ 1,294,000 | $ 215,666 | $ 96,500 |
| Longview, TX | 6 | $ 1,161,000 | $ 193,500 | $ 117,000 |
| Medford, OR | 6 | $ 1,829,000 | $ 304,833 | $ 201,000 |
| Midland, MI | 6 | $ 994,000 | $ 165,666 | $ 84,000 |
| Monroe, MI | 6 | $ 991,000 | $ 165,166 | $ 88,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,542,000 | $ 257,000 | $ 71,000 |
| Napa, CA | 6 | $ 2,367,000 | $ 394,500 | $ 129,000 |
| St. Cloud, MN | 6 | $ 878,000 | $ 146,333 | $ 82,000 |
| Albany, GA | 5 | $ 693,000 | $ 138,600 | $ 88,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 870,000 | $ 174,000 | $ 65,000 |
| Ames, IA | 5 | $ 1,464,000 | $ 292,800 | $ 175,000 |
| Bloomington, IL | 5 | $ 774,000 | $ 154,800 | $ 143,000 |
| Duluth, MN-WI | 5 | $ 891,000 | $ 178,200 | $ 133,000 |
| Farmington, NM | 5 | $ 1,052,000 | $ 210,400 | $ 136,000 |
| Harrisonburg, VA | 5 | $ 915,000 | $ 183,000 | $ 371,000 |
| Jackson, MI | 5 | $ 818,000 | $ 163,600 | $ 81,000 |
| Lafayette, LA | 5 | $ 1,056,000 | $ 211,200 | $ 177,000 |
| Las Cruces, NM | 5 | $ 1,193,000 | $ 238,600 | $ 119,000 |
| Lebanon, PA | 5 | $ 1,270,000 | $ 254,000 | $ 54,000 |
| Lubbock, TX | 5 | $ 801,000 | $ 160,200 | $ 99,000 |
| Macon, GA | 5 | $ 733,000 | $ 146,600 | $ 66,000 |
| Madera, CA | 5 | $ 765,000 | $ 153,000 | $ 60,000 |
| Shreveport-Bossier City, LA | 5 | $ 1,140,000 | $ 228,000 | $ 97,000 |
| Valdosta, GA | 5 | $ 899,000 | $ 179,800 | $ 99,000 |
| Yuba City, CA | 5 | $ 800,000 | $ 160,000 | $ 66,000 |
| Abilene, TX | 4 | $ 516,000 | $ 129,000 | $ 59,000 |
| Albany, OR | 4 | $ 755,000 | $ 188,750 | $ 63,000 |
| California-Lexington Park, MD | 4 | $ 988,000 | $ 247,000 | $ 92,000 |
| Dothan, AL | 4 | $ 711,000 | $ 177,750 | $ 52,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 767,000 | $ 191,750 | $ 92,000 |
| Elkhart-Goshen, IN | 4 | $ 600,000 | $ 150,000 | $ 65,000 |
| Erie, PA | 4 | $ 716,000 | $ 179,000 | $ 113,000 |
| Goldsboro, NC | 4 | $ 547,000 | $ 136,750 | $ 55,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 775,000 | $ 193,750 | $ 95,500 |
| Iowa City, IA | 4 | $ 720,000 | $ 180,000 | $ 112,000 |
| Johnson City, TN | 4 | $ 1,061,000 | $ 265,250 | $ 152,000 |
| Logan, UT-ID | 4 | $ 695,000 | $ 173,750 | $ 64,000 |
| Michigan City-La Porte, IN | 4 | $ 775,000 | $ 193,750 | $ 90,000 |
| Missoula, MT | 4 | $ 837,000 | $ 209,250 | $ 80,000 |
| Muskegon, MI | 4 | $ 652,000 | $ 163,000 | $ 91,000 |
| Pueblo, CO | 4 | $ 767,000 | $ 191,750 | $ 99,000 |
| Rockford, IL | 4 | $ 843,000 | $ 210,750 | $ 135,000 |
| Rocky Mount, NC | 4 | $ 787,000 | $ 196,750 | $ 82,000 |
| Springfield, IL | 4 | $ 820,000 | $ 205,000 | $ 132,000 |
| Terre Haute, IN | 4 | $ 412,000 | $ 103,000 | $ 48,000 |
| Tuscaloosa, AL | 4 | $ 930,000 | $ 232,500 | $ 95,000 |
| Wenatchee, WA | 4 | $ 882,000 | $ 220,500 | $ 90,000 |
| Anchorage, AK | 3 | $ 537,000 | $ 179,000 | $ 92,000 |
| Battle Creek, MI | 3 | $ 492,000 | $ 164,000 | $ 98,000 |
| Binghamton, NY | 3 | $ 369,000 | $ 123,000 | $ 151,000 |
| Cedar Rapids, IA | 3 | $ 357,000 | $ 119,000 | $ 138,000 |
| Champaign-Urbana, IL | 3 | $ 432,000 | $ 144,000 | $ 106,000 |
| Decatur, AL | 3 | $ 521,000 | $ 173,666 | $ 90,000 |
| Dutchess County-Putnam County, NY | 3 | $ 642,000 | $ 214,000 | $ 116,000 |
| Eau Claire, WI | 3 | $ 473,000 | $ 157,666 | $ 58,000 |
| Fargo, ND-MN | 3 | $ 1,100,000 | $ 366,666 | $ 144,000 |
| Grand Forks, ND-MN | 3 | $ 630,000 | $ 210,000 | $ 103,333 |
| Green Bay, WI | 3 | $ 380,000 | $ 126,666 | $ 63,000 |
| Jackson, MS | 3 | $ 743,000 | $ 247,666 | $ 136,000 |
| Lafayette-West Lafayette, IN | 3 | $ 388,000 | $ 129,333 | $ 45,000 |
| Lawrence, KS | 3 | $ 368,000 | $ 122,666 | $ 123,000 |
| Lewiston-Auburn, ME | 3 | $ 531,000 | $ 177,000 | $ 46,000 |
| Manhattan, KS | 3 | $ 623,000 | $ 207,666 | $ 77,000 |
| Morgantown, WV | 3 | $ 852,000 | $ 284,000 | $ 93,000 |
| Oshkosh-Neenah, WI | 3 | $ 558,000 | $ 186,000 | $ 78,000 |
| Sebring, FL | 3 | $ 452,000 | $ 150,666 | $ 114,000 |
| Staunton-Waynesboro, VA | 3 | $ 566,000 | $ 188,666 | $ 135,000 |
| Sumter, SC | 3 | $ 778,000 | $ 259,333 | $ 65,000 |
| Victoria, TX | 3 | $ 568,000 | $ 189,333 | $ 163,000 |
| Vineland-Bridgeton, NJ | 3 | $ 372,000 | $ 124,000 | $ 81,000 |
| Bay City, MI | 2 | $ 369,000 | $ 184,500 | $ 100,000 |
| Bloomsburg-Berwick, PA | 2 | $ 179,000 | $ 89,500 | $ 57,000 |
| Brunswick, GA | 2 | $ 485,000 | $ 242,500 | $ 69,000 |
| Charleston, WV | 2 | $ 322,000 | $ 161,000 | $ 158,000 |
| Cheyenne, WY | 2 | $ 359,000 | $ 179,500 | $ 186,000 |
| Cumberland, MD-WV | 2 | $ 520,000 | $ 260,000 | $ 77,000 |
| Dalton, GA | 2 | $ 294,000 | $ 147,000 | $ 82,000 |
| Decatur, IL | 2 | $ 180,000 | $ 90,000 | $ 65,000 |
| El Centro, CA | 2 | $ 296,000 | $ 148,000 | $ 67,000 |
| Florence-Muscle Shoals, AL | 2 | $ 180,000 | $ 90,000 | $ 36,000 |
| Gettysburg, PA | 2 | $ 343,000 | $ 171,500 | $ 87,000 |
| Grand Junction, CO | 2 | $ 659,000 | $ 329,500 | $ 102,000 |
| Grants Pass, OR | 2 | $ 446,000 | $ 223,000 | $ 232,000 |
| Hinesville, GA | 2 | $ 275,000 | $ 137,500 | $ 28,000 |
| Ithaca, NY | 2 | $ 242,000 | $ 121,000 | $ 50,000 |
| Kankakee, IL | 2 | $ 250,000 | $ 125,000 | $ 80,000 |
| Kokomo, IN | 2 | $ 266,000 | $ 133,000 | $ 86,000 |
| Lake Charles, LA | 2 | $ 528,000 | $ 264,000 | $ 345,000 |
| Mansfield, OH | 2 | $ 307,000 | $ 153,500 | $ 56,000 |
| Odessa, TX | 2 | $ 442,000 | $ 221,000 | $ 54,000 |
| Racine, WI | 2 | $ 252,000 | $ 126,000 | $ 77,000 |
| Rochester, NY | 2 | $ 205,000 | $ 102,500 | $ 30,000 |
| Saginaw, MI | 2 | $ 409,000 | $ 204,500 | $ 75,000 |
| Sheboygan, WI | 2 | $ 290,000 | $ 145,000 | $ 150,000 |
| Sioux City, IA-NE-SD | 2 | $ 241,000 | $ 120,500 | $ 52,500 |
| Topeka, KS | 2 | $ 427,000 | $ 213,500 | $ 28,000 |
| Watertown-Fort Drum, NY | 2 | $ 383,000 | $ 191,500 | $ 64,000 |
| Wheeling, WV-OH | 2 | $ 355,000 | $ 177,500 | $ 68,500 |
| Worcester, MA-CT | 2 | $ 340,000 | $ 170,000 | $ 48,000 |
| Yakima, WA | 2 | $ 318,000 | $ 159,000 | $ 61,000 |
| Altoona, PA | 1 | $ 136,000 | $ 136,000 | $ 68,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 225,000 | $ 225,000 | $ 198,000 |
| Carbondale-Marion, IL | 1 | $ 265,000 | $ 265,000 | $ 224,000 |
| Fairbanks, AK | 1 | $ 113,000 | $ 113,000 | $ 75,000 |
| Fort Smith, AR-OK | 1 | $ 233,000 | $ 233,000 | $ 100,000 |
| Glens Falls, NY | 1 | $ 204,000 | $ 204,000 | $ 60,000 |
| Great Falls, MT | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 168,000 | $ 168,000 | $ 97,000 |
| Hanford-Corcoran, CA | 1 | $ 109,000 | $ 109,000 | $ 77,000 |
| Hattiesburg, MS | 1 | $ 142,000 | $ 142,000 | $ 94,000 |
| Hot Springs, AR | 1 | $ 417,000 | $ 417,000 | $ 271,000 |
| Jackson, TN | 1 | $ 86,000 | $ 86,000 | $ 67,000 |
| Janesville-Beloit, WI | 1 | $ 159,000 | $ 159,000 | $ 55,000 |
| Johnstown, PA | 1 | $ 105,000 | $ 105,000 | $ 142,000 |
| Laredo, TX | 1 | $ 65,000 | $ 65,000 | $ 88,000 |
| Morristown, TN | 1 | $ 144,000 | $ 144,000 | $ 85,000 |
| Owensboro, KY | 1 | $ 88,000 | $ 88,000 | $ 45,000 |
| Parkersburg-Vienna, WV | 1 | $ 182,000 | $ 182,000 | $ 26,000 |
| San Angelo, TX | 1 | $ 345,000 | $ 345,000 | $ 165,000 |
| St. Joseph, MO-KS | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Texarkana, TX-AR | 1 | $ 214,000 | $ 214,000 | $ 79,000 |
| Walla Walla, WA | 1 | $ 288,000 | $ 288,000 | $ 76,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 101,000 | $ 101,000 | $ 90,000 |
| Wausau, WI | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 110,000 | $ 110,000 | $ 55,000 |
| Wichita Falls, TX | 1 | $ 91,000 | $ 91,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company, Li in 2014
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 | 10,452 | $2,530,854,000 | $242,000 | $2,382,000 | $113,000 | $1,768,000 |
| Home Purchase | 7,090 | $1,681,908,000 | $237,000 | $1,428,000 | $115,000 | $1,500,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 12,486 | $2,942,170,000 | $235,000 | $2,382,000 | $112,000 | $1,768,000 |
| Asian | 2,342 | $654,007,000 | $279,000 | $1,440,000 | $134,000 | $1,500,000 |
| Hispanic | 1,189 | $266,674,000 | $224,000 | $980,000 | $101,000 | $1,259,000 |
| Not Provided | 746 | $182,480,000 | $244,000 | $974,000 | $124,000 | $1,768,000 |
| Black or African American | 630 | $132,958,000 | $211,000 | $759,000 | $85,000 | $696,000 |
| American Indian or Alaskan Native | 87 | $20,896,000 | $240,000 | $853,000 | $99,000 | $283,000 |
| Native Hawaiian or Other Pacific Islander | 62 | $13,577,000 | $218,000 | $500,000 | $94,000 | $290,000 |
| 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) | 14,848 | $3,609,579,000 | $243,000 | $2,382,000 | $122,000 | $1,768,000 |
| VA-guaranteed (Veterans Administration) | 1,406 | $361,930,000 | $257,000 | $1,013,000 | $72,000 | $550,000 |
| FHA-insured (Federal Housing Administration) | 1,227 | $231,780,000 | $188,000 | $664,000 | $68,000 | $732,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 61 | $9,473,000 | $155,000 | $377,000 | $49,000 | $92,000 |
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 | 11,208 | $2,664,771,000 | $237,000 | $1,560,000 | $113,000 | $1,768,000 |
| Application Withdrawn By Applicant | 5,345 | $1,300,587,000 | $243,000 | $2,382,000 | $115,000 | $1,768,000 |
| File Closed For Incompleteness | 567 | $144,783,000 | $255,000 | $1,428,000 | $120,000 | $1,500,000 |
| Application Denied By Financial Institution | 421 | $102,403,000 | $243,000 | $1,360,000 | $96,000 | $770,000 |
| Application Approved But Not Accepted | 1 | $218,000 | $218,000 | $218,000 | $176,000 | $176,000 |
| 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 | 151 | $39,248,000 | $259,000 | $1,000,000 | $71,000 | $376,000 |
| Collateral | 89 | $21,979,000 | $246,000 | $1,360,000 | $119,000 | $544,000 |
| Credit History | 50 | $11,769,000 | $235,000 | $576,000 | $99,000 | $329,000 |
| Other | 23 | $5,150,000 | $223,000 | $572,000 | $135,000 | $770,000 |
| Employment History | 19 | $3,425,000 | $180,000 | $491,000 | $100,000 | $507,000 |
| Unverifiable Information | 7 | $1,407,000 | $201,000 | $445,000 | $93,000 | $248,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,649,000 | $274,000 | $417,000 | $106,000 | $177,000 |
| Mortgage Insurance Denied | 1 | $303,000 | $303,000 | $303,000 | $144,000 | $144,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company, Li's 2014 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About