Cardinal Financial Company, Li Mortgage Lending & HMDA Data, 2016
In 2016, Cardinal Financial Company, Li of Charlotte, NC reported 40,259 mortgage applications totaling $11.2 billion, up 34% from 2015. The average application was for $277,900, and applicants reported an average income of $116,955. 61% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,190), Los Angeles-Long Beach-Glendale, CA (1,588) and Atlanta-Sandy Springs-Roswell, GA (1,419) (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 | 40,259 |
| Total Mortgage Loan Application Amount | $11,187,992,000 |
| Average Mortgage Loan Application Amount | $277,900 |
| Highest Mortgage Loan Application Amount | $2,240,000 |
| Average Applicant Income | $116,955 |
| Highest Applicant Income | $7,800,000 |
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records Cardinal Financial Company, Li filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 2,190 | $ 525,556,000 | $ 239,979 | $ 93,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,588 | $ 608,508,000 | $ 383,191 | $ 127,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,419 | $ 350,583,000 | $ 247,063 | $ 114,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,346 | $ 494,449,000 | $ 367,346 | $ 138,815 |
| Las Vegas-Henderson-Paradise, NV | 1,194 | $ 291,671,000 | $ 244,280 | $ 100,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,162 | $ 288,363,000 | $ 248,160 | $ 132,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1,063 | $ 252,921,000 | $ 237,931 | $ 105,325 |
| Dallas-Plano-Irving, TX | 1,057 | $ 269,105,000 | $ 254,593 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 968 | $ 267,577,000 | $ 276,422 | $ 101,000 |
| Seattle-Bellevue-Everett, WA | 907 | $ 307,137,000 | $ 338,629 | $ 126,000 |
| Oakland-Hayward-Berkeley, CA | 867 | $ 369,135,000 | $ 425,761 | $ 147,000 |
| San Diego-Carlsbad, CA | 851 | $ 322,255,000 | $ 378,678 | $ 129,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 742 | $ 204,866,000 | $ 276,099 | $ 106,210 |
| Sacramento--Roseville--Arden-Arcade, CA | 720 | $ 214,809,000 | $ 298,345 | $ 119,000 |
| Anaheim-Santa Ana-Irvine, CA | 709 | $ 294,142,000 | $ 414,868 | $ 143,000 |
| Denver-Aurora-Lakewood, CO | 557 | $ 174,351,000 | $ 313,017 | $ 123,000 |
| Chicago-Naperville-Arlington Heights, IL | 555 | $ 148,161,000 | $ 266,956 | $ 128,000 |
| New York-Jersey City-White Plains, NY-NJ | 514 | $ 168,642,000 | $ 328,097 | $ 148,554 |
| San Jose-Sunnyvale-Santa Clara, CA | 512 | $ 235,306,000 | $ 459,582 | $ 160,000 |
| Austin-Round Rock, TX | 494 | $ 127,475,000 | $ 258,046 | $ 120,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 435 | $ 116,126,000 | $ 266,956 | $ 135,287 |
| Baltimore-Columbia-Towson, MD | 432 | $ 130,828,000 | $ 302,842 | $ 127,000 |
| Tampa-St. Petersburg-Clearwater, FL | 425 | $ 97,918,000 | $ 230,395 | $ 114,000 |
| Raleigh, NC | 419 | $ 111,206,000 | $ 265,408 | $ 112,000 |
| Fort Worth-Arlington, TX | 391 | $ 89,868,000 | $ 229,841 | $ 120,000 |
| Warren-Troy-Farmington Hills, MI | 347 | $ 86,028,000 | $ 247,919 | $ 121,000 |
| Orlando-Kissimmee-Sanford, FL | 345 | $ 81,091,000 | $ 235,046 | $ 104,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 339 | $ 84,624,000 | $ 249,628 | $ 117,000 |
| Silver Spring-Frederick-Rockville, MD | 308 | $ 110,613,000 | $ 359,133 | $ 140,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 293 | $ 75,263,000 | $ 256,870 | $ 109,000 |
| San Antonio-New Braunfels, TX | 293 | $ 66,318,000 | $ 226,341 | $ 114,000 |
| Reno, NV | 292 | $ 82,128,000 | $ 281,260 | $ 111,000 |
| Newark, NJ-PA | 291 | $ 99,123,000 | $ 340,628 | $ 151,195 |
| Tucson, AZ | 289 | $ 63,134,000 | $ 218,456 | $ 90,000 |
| Montgomery County-Bucks County-Chester County, PA | 264 | $ 75,768,000 | $ 287,000 | $ 133,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 257 | $ 67,956,000 | $ 264,420 | $ 126,000 |
| San Francisco-Redwood City-South San Francisco, CA | 253 | $ 120,153,000 | $ 474,913 | $ 171,000 |
| Miami-Miami Beach-Kendall, FL | 252 | $ 66,826,000 | $ 265,182 | $ 111,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 248 | $ 94,106,000 | $ 379,459 | $ 125,000 |
| Albuquerque, NM | 234 | $ 51,133,000 | $ 218,517 | $ 97,000 |
| Jacksonville, FL | 197 | $ 49,448,000 | $ 251,005 | $ 107,000 |
| Tacoma-Lakewood, WA | 189 | $ 51,044,000 | $ 270,074 | $ 99,000 |
| Charleston-North Charleston, SC | 173 | $ 45,669,000 | $ 263,982 | $ 111,000 |
| Stockton-Lodi, CA | 173 | $ 48,733,000 | $ 281,693 | $ 112,000 |
| Salt Lake City, UT | 161 | $ 46,043,000 | $ 285,981 | $ 115,000 |
| Richmond, VA | 160 | $ 41,776,000 | $ 261,100 | $ 110,000 |
| Columbus, OH | 154 | $ 39,932,000 | $ 259,298 | $ 130,000 |
| Philadelphia, PA | 150 | $ 35,559,000 | $ 237,060 | $ 116,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 147 | $ 37,692,000 | $ 256,408 | $ 112,625 |
| North Port-Sarasota-Bradenton, FL | 144 | $ 36,423,000 | $ 252,937 | $ 122,000 |
| Fresno, CA | 142 | $ 33,741,000 | $ 237,612 | $ 109,000 |
| New Orleans-Metairie, LA | 140 | $ 33,337,000 | $ 238,121 | $ 119,000 |
| Cleveland-Elyria, OH | 138 | $ 31,500,000 | $ 228,260 | $ 129,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 133 | $ 28,260,000 | $ 212,481 | $ 98,684 |
| Greenville-Anderson-Mauldin, SC | 129 | $ 29,736,000 | $ 230,511 | $ 97,000 |
| Santa Rosa, CA | 128 | $ 46,506,000 | $ 363,328 | $ 128,000 |
| Kansas City, MO-KS | 125 | $ 28,554,000 | $ 228,432 | $ 114,896 |
| Vallejo-Fairfield, CA | 123 | $ 37,321,000 | $ 303,422 | $ 107,000 |
| Memphis, TN-MS-AR | 122 | $ 25,156,000 | $ 206,196 | $ 95,114 |
| Birmingham-Hoover, AL | 121 | $ 27,107,000 | $ 224,024 | $ 97,000 |
| Bakersfield, CA | 115 | $ 25,834,000 | $ 224,643 | $ 99,000 |
| Cape Coral-Fort Myers, FL | 114 | $ 25,125,000 | $ 220,394 | $ 124,000 |
| Prescott, AZ | 114 | $ 29,866,000 | $ 261,982 | $ 106,000 |
| Camden, NJ | 110 | $ 25,576,000 | $ 232,509 | $ 118,000 |
| St. Louis, MO-IL | 110 | $ 28,564,000 | $ 259,672 | $ 130,709 |
| Asheville, NC | 109 | $ 26,647,000 | $ 244,467 | $ 95,000 |
| Modesto, CA | 108 | $ 25,005,000 | $ 231,527 | $ 86,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 108 | $ 24,460,000 | $ 226,481 | $ 111,101 |
| Cincinnati, OH-KY-IN | 107 | $ 24,583,000 | $ 229,747 | $ 111,654 |
| Pittsburgh, PA | 106 | $ 23,646,000 | $ 223,075 | $ 109,000 |
| Indianapolis-Carmel-Anderson, IN | 105 | $ 23,541,000 | $ 224,200 | $ 118,000 |
| Durham-Chapel Hill, NC | 100 | $ 24,321,000 | $ 243,210 | $ 106,000 |
| Palm Bay-Melbourne-Titusville, FL | 99 | $ 21,743,000 | $ 219,626 | $ 123,000 |
| Bridgeport-Stamford-Norwalk, CT | 95 | $ 34,923,000 | $ 367,610 | $ 189,000 |
| Wilmington, DE-MD-NJ | 95 | $ 24,509,000 | $ 257,989 | $ 119,315 |
| Deltona-Daytona Beach-Ormond Beach, FL | 93 | $ 18,859,000 | $ 202,784 | $ 102,000 |
| Provo-Orem, UT | 89 | $ 24,855,000 | $ 279,269 | $ 117,000 |
| Omaha-Council Bluffs, NE-IA | 88 | $ 20,332,000 | $ 231,045 | $ 109,659 |
| Columbia, SC | 87 | $ 18,517,000 | $ 212,839 | $ 79,000 |
| Detroit-Dearborn-Livonia, MI | 87 | $ 19,273,000 | $ 221,528 | $ 119,000 |
| Providence-Warwick, RI-MA | 86 | $ 23,995,000 | $ 279,011 | $ 141,000 |
| Winston-Salem, NC | 82 | $ 16,365,000 | $ 199,573 | $ 98,000 |
| Greensboro-High Point, NC | 80 | $ 17,336,000 | $ 216,700 | $ 88,000 |
| Hartford-West Hartford-East Hartford, CT | 77 | $ 19,701,000 | $ 255,857 | $ 122,000 |
| Lake Havasu City-Kingman, AZ | 76 | $ 15,742,000 | $ 207,131 | $ 82,000 |
| Santa Cruz-Watsonville, CA | 76 | $ 33,609,000 | $ 442,223 | $ 139,000 |
| Salem, OR | 75 | $ 16,819,000 | $ 224,253 | $ 81,000 |
| Oklahoma City, OK | 74 | $ 17,253,000 | $ 233,148 | $ 137,000 |
| Bend-Redmond, OR | 73 | $ 19,673,000 | $ 269,493 | $ 105,000 |
| Spokane-Spokane Valley, WA | 73 | $ 16,867,000 | $ 231,054 | $ 84,000 |
| Boise City, ID | 71 | $ 17,694,000 | $ 249,211 | $ 107,000 |
| Port St. Lucie, FL | 71 | $ 15,816,000 | $ 222,760 | $ 111,000 |
| Urban Honolulu, HI | 70 | $ 31,230,000 | $ 446,142 | $ 148,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 69 | $ 25,235,000 | $ 365,724 | $ 116,000 |
| Huntsville, AL | 68 | $ 14,728,000 | $ 216,588 | $ 111,000 |
| Baton Rouge, LA | 67 | $ 13,416,000 | $ 200,238 | $ 94,000 |
| Louisville/Jefferson County, KY-IN | 67 | $ 15,575,000 | $ 232,462 | $ 101,895 |
| Ogden-Clearfield, UT | 67 | $ 17,446,000 | $ 260,388 | $ 105,000 |
| Santa Fe, NM | 67 | $ 16,931,000 | $ 252,701 | $ 98,000 |
| Lake County-Kenosha County, IL-WI | 64 | $ 16,483,000 | $ 257,546 | $ 114,343 |
| Naples-Immokalee-Marco Island, FL | 63 | $ 17,089,000 | $ 271,253 | $ 142,000 |
| Boulder, CO | 62 | $ 21,212,000 | $ 342,129 | $ 136,000 |
| San Rafael, CA | 60 | $ 28,596,000 | $ 476,600 | $ 163,000 |
| Savannah, GA | 60 | $ 13,419,000 | $ 223,650 | $ 90,000 |
| Eugene, OR | 59 | $ 12,927,000 | $ 219,101 | $ 74,000 |
| Salisbury, MD-DE | 59 | $ 15,242,000 | $ 258,338 | $ 175,305 |
| Augusta-Richmond County, GA-SC | 58 | $ 12,786,000 | $ 220,448 | $ 97,086 |
| Olympia-Tumwater, WA | 58 | $ 13,977,000 | $ 240,982 | $ 92,000 |
| Corpus Christi, TX | 57 | $ 12,141,000 | $ 213,000 | $ 161,000 |
| Salinas, CA | 57 | $ 19,611,000 | $ 344,052 | $ 126,000 |
| Portland-South Portland, ME | 56 | $ 14,647,000 | $ 261,553 | $ 141,000 |
| Knoxville, TN | 55 | $ 12,329,000 | $ 224,163 | $ 92,000 |
| Milwaukee-Waukesha-West Allis, WI | 55 | $ 14,227,000 | $ 258,672 | $ 129,000 |
| Bremerton-Silverdale, WA | 54 | $ 14,190,000 | $ 262,777 | $ 106,000 |
| Chattanooga, TN-GA | 54 | $ 10,985,000 | $ 203,425 | $ 101,814 |
| Colorado Springs, CO | 54 | $ 14,357,000 | $ 265,870 | $ 121,000 |
| Medford, OR | 54 | $ 13,304,000 | $ 246,370 | $ 92,000 |
| El Paso, TX | 53 | $ 10,660,000 | $ 201,132 | $ 101,000 |
| Santa Maria-Santa Barbara, CA | 52 | $ 20,019,000 | $ 384,980 | $ 132,000 |
| Wilmington, NC | 52 | $ 13,244,000 | $ 254,692 | $ 145,000 |
| Crestview-Fort Walton Beach-Destin, FL | 51 | $ 16,037,000 | $ 314,450 | $ 153,000 |
| Flagstaff, AZ | 51 | $ 14,589,000 | $ 286,058 | $ 114,000 |
| Manchester-Nashua, NH | 51 | $ 14,746,000 | $ 289,137 | $ 134,000 |
| Lakeland-Winter Haven, FL | 50 | $ 10,332,000 | $ 206,640 | $ 109,000 |
| Akron, OH | 49 | $ 9,738,000 | $ 198,734 | $ 105,000 |
| Elgin, IL | 48 | $ 10,949,000 | $ 228,104 | $ 122,000 |
| Trenton, NJ | 48 | $ 13,554,000 | $ 282,375 | $ 157,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 47 | $ 11,068,000 | $ 235,489 | $ 141,000 |
| New Haven-Milford, CT | 46 | $ 12,158,000 | $ 264,304 | $ 129,000 |
| Visalia-Porterville, CA | 45 | $ 9,628,000 | $ 213,955 | $ 104,000 |
| Grand Rapids-Wyoming, MI | 43 | $ 9,828,000 | $ 228,558 | $ 113,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 43 | $ 12,407,000 | $ 288,534 | $ 154,000 |
| Daphne-Fairhope-Foley, AL | 41 | $ 8,208,000 | $ 200,195 | $ 89,000 |
| Bellingham, WA | 40 | $ 11,549,000 | $ 288,725 | $ 104,000 |
| Pensacola-Ferry Pass-Brent, FL | 40 | $ 8,025,000 | $ 200,625 | $ 113,000 |
| Punta Gorda, FL | 39 | $ 8,578,000 | $ 219,948 | $ 99,000 |
| Rockingham County-Strafford County, NH | 39 | $ 10,670,000 | $ 273,589 | $ 138,000 |
| Hickory-Lenoir-Morganton, NC | 38 | $ 7,982,000 | $ 210,052 | $ 77,000 |
| Lafayette, LA | 38 | $ 8,918,000 | $ 234,684 | $ 286,000 |
| Spartanburg, SC | 38 | $ 8,106,000 | $ 213,315 | $ 103,000 |
| Yuma, AZ | 38 | $ 7,273,000 | $ 191,394 | $ 98,000 |
| Fort Collins, CO | 37 | $ 9,686,000 | $ 261,783 | $ 91,000 |
| Kennewick-Richland, WA | 37 | $ 7,609,000 | $ 205,648 | $ 85,000 |
| Harrisburg-Carlisle, PA | 36 | $ 7,929,000 | $ 220,250 | $ 106,000 |
| Tallahassee, FL | 36 | $ 7,788,000 | $ 216,333 | $ 110,000 |
| Redding, CA | 35 | $ 8,482,000 | $ 242,342 | $ 120,000 |
| Tulsa, OK | 35 | $ 8,565,000 | $ 244,714 | $ 127,000 |
| Chico, CA | 34 | $ 7,853,000 | $ 230,970 | $ 104,000 |
| Gary, IN | 34 | $ 6,890,000 | $ 202,647 | $ 95,000 |
| Ann Arbor, MI | 33 | $ 8,344,000 | $ 252,848 | $ 109,000 |
| Columbus, GA-AL | 33 | $ 6,887,000 | $ 208,696 | $ 103,636 |
| Gainesville, GA | 33 | $ 6,797,000 | $ 205,969 | $ 82,000 |
| Napa, CA | 33 | $ 12,234,000 | $ 370,727 | $ 157,000 |
| Roanoke, VA | 33 | $ 7,769,000 | $ 235,424 | $ 115,000 |
| Billings, MT | 32 | $ 6,605,000 | $ 206,406 | $ 137,000 |
| Montgomery, AL | 32 | $ 6,666,000 | $ 208,312 | $ 91,000 |
| Yuba City, CA | 32 | $ 6,838,000 | $ 213,687 | $ 76,000 |
| Dayton, OH | 31 | $ 6,331,000 | $ 204,225 | $ 106,000 |
| McAllen-Edinburg-Mission, TX | 31 | $ 4,859,000 | $ 156,741 | $ 77,000 |
| Sierra Vista-Douglas, AZ | 31 | $ 5,996,000 | $ 193,419 | $ 78,000 |
| Charlottesville, VA | 30 | $ 7,216,000 | $ 240,533 | $ 100,000 |
| Fayetteville, NC | 30 | $ 5,275,000 | $ 175,833 | $ 80,000 |
| Lancaster, PA | 30 | $ 6,410,000 | $ 213,666 | $ 102,000 |
| Shreveport-Bossier City, LA | 30 | $ 6,076,000 | $ 202,533 | $ 87,000 |
| Gainesville, FL | 29 | $ 6,270,000 | $ 216,206 | $ 112,000 |
| Lincoln, NE | 29 | $ 6,215,000 | $ 214,310 | $ 121,000 |
| Lynchburg, VA | 28 | $ 6,351,000 | $ 226,821 | $ 84,000 |
| Mobile, AL | 28 | $ 6,099,000 | $ 217,821 | $ 97,000 |
| East Stroudsburg, PA | 26 | $ 4,832,000 | $ 185,846 | $ 100,000 |
| Ocala, FL | 26 | $ 5,046,000 | $ 194,076 | $ 106,000 |
| York-Hanover, PA | 26 | $ 6,116,000 | $ 235,230 | $ 98,000 |
| Greeley, CO | 25 | $ 7,224,000 | $ 288,960 | $ 100,000 |
| Killeen-Temple, TX | 25 | $ 4,652,000 | $ 186,080 | $ 87,000 |
| Las Cruces, NM | 25 | $ 4,397,000 | $ 175,880 | $ 73,000 |
| Sebastian-Vero Beach, FL | 25 | $ 5,386,000 | $ 215,440 | $ 80,000 |
| Sioux Falls, SD | 25 | $ 5,320,000 | $ 212,800 | $ 108,000 |
| Toledo, OH | 25 | $ 5,392,000 | $ 215,680 | $ 115,000 |
| Auburn-Opelika, AL | 24 | $ 4,682,000 | $ 195,083 | $ 72,000 |
| Beaumont-Port Arthur, TX | 24 | $ 4,727,000 | $ 196,958 | $ 138,000 |
| Fargo, ND-MN | 24 | $ 5,460,000 | $ 227,500 | $ 91,833 |
| Hagerstown-Martinsburg, MD-WV | 24 | $ 5,201,000 | $ 216,708 | $ 107,333 |
| Yakima, WA | 24 | $ 4,540,000 | $ 189,166 | $ 83,000 |
| Casper, WY | 23 | $ 5,291,000 | $ 230,043 | $ 85,000 |
| Greenville, NC | 23 | $ 4,762,000 | $ 207,043 | $ 89,000 |
| Longview, WA | 23 | $ 4,419,000 | $ 192,130 | $ 82,000 |
| Missoula, MT | 23 | $ 5,551,000 | $ 241,347 | $ 90,000 |
| Panama City, FL | 23 | $ 4,006,000 | $ 174,173 | $ 120,000 |
| Carson City, NV | 22 | $ 5,439,000 | $ 247,227 | $ 93,000 |
| College Station-Bryan, TX | 22 | $ 5,743,000 | $ 261,045 | $ 140,000 |
| Dover, DE | 22 | $ 5,152,000 | $ 234,181 | $ 95,000 |
| Johnson City, TN | 22 | $ 4,527,000 | $ 205,772 | $ 102,000 |
| Little Rock-North Little Rock-Conway, AR | 22 | $ 5,133,000 | $ 233,318 | $ 110,000 |
| Merced, CA | 22 | $ 5,141,000 | $ 233,681 | $ 99,000 |
| St. George, UT | 22 | $ 6,651,000 | $ 302,318 | $ 136,000 |
| Warner Robins, GA | 22 | $ 3,795,000 | $ 172,500 | $ 66,000 |
| Cheyenne, WY | 21 | $ 4,619,000 | $ 219,952 | $ 86,000 |
| Flint, MI | 21 | $ 3,437,000 | $ 163,666 | $ 83,000 |
| Nassau County-Suffolk County, NY | 21 | $ 9,437,000 | $ 449,380 | $ 182,000 |
| New Bern, NC | 21 | $ 3,587,000 | $ 170,809 | $ 59,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 21 | $ 4,472,000 | $ 212,952 | $ 97,000 |
| Waco, TX | 21 | $ 4,798,000 | $ 228,476 | $ 158,000 |
| Atlantic City-Hammonton, NJ | 20 | $ 4,774,000 | $ 238,700 | $ 144,000 |
| Rapid City, SD | 20 | $ 4,033,000 | $ 201,650 | $ 79,000 |
| Tyler, TX | 20 | $ 4,102,000 | $ 205,100 | $ 112,000 |
| Winchester, VA-WV | 20 | $ 5,152,000 | $ 257,600 | $ 126,000 |
| Albany, OR | 19 | $ 3,109,000 | $ 163,631 | $ 61,000 |
| Clarksville, TN-KY | 19 | $ 3,412,000 | $ 179,578 | $ 83,684 |
| Ocean City, NJ | 19 | $ 5,080,000 | $ 267,368 | $ 140,000 |
| Athens-Clarke County, GA | 18 | $ 3,231,000 | $ 179,500 | $ 82,000 |
| Kingsport-Bristol-Bristol, TN-VA | 18 | $ 4,077,000 | $ 226,500 | $ 97,055 |
| Lexington-Fayette, KY | 18 | $ 4,110,000 | $ 228,333 | $ 106,000 |
| Madison, WI | 18 | $ 5,010,000 | $ 278,333 | $ 149,000 |
| Midland, TX | 18 | $ 5,214,000 | $ 289,666 | $ 176,000 |
| Mount Vernon-Anacortes, WA | 18 | $ 4,116,000 | $ 228,666 | $ 88,000 |
| The Villages, FL | 18 | $ 3,779,000 | $ 209,944 | $ 81,000 |
| Burlington, NC | 17 | $ 3,430,000 | $ 201,764 | $ 140,000 |
| Grants Pass, OR | 17 | $ 4,059,000 | $ 238,764 | $ 71,000 |
| Kahului-Wailuku-Lahaina, HI | 17 | $ 6,774,000 | $ 398,470 | $ 110,000 |
| Longview, TX | 17 | $ 3,939,000 | $ 231,705 | $ 73,000 |
| Madera, CA | 17 | $ 3,768,000 | $ 221,647 | $ 89,000 |
| Reading, PA | 17 | $ 3,800,000 | $ 223,529 | $ 98,000 |
| Wenatchee, WA | 17 | $ 3,960,000 | $ 232,941 | $ 126,000 |
| Corvallis, OR | 16 | $ 4,359,000 | $ 272,437 | $ 139,000 |
| Farmington, NM | 16 | $ 3,380,000 | $ 211,250 | $ 114,000 |
| Lansing-East Lansing, MI | 16 | $ 3,189,000 | $ 199,312 | $ 177,000 |
| South Bend-Mishawaka, IN-MI | 16 | $ 3,162,000 | $ 197,625 | $ 89,125 |
| Brownsville-Harlingen, TX | 15 | $ 3,617,000 | $ 241,133 | $ 134,000 |
| Jackson, MS | 15 | $ 3,787,000 | $ 252,466 | $ 110,000 |
| Tuscaloosa, AL | 15 | $ 2,972,000 | $ 198,133 | $ 79,000 |
| Gulfport-Biloxi-Pascagoula, MS | 14 | $ 3,344,000 | $ 238,857 | $ 123,000 |
| Houma-Thibodaux, LA | 14 | $ 2,909,000 | $ 207,785 | $ 74,000 |
| Lake Charles, LA | 14 | $ 2,601,000 | $ 185,785 | $ 76,000 |
| Sherman-Denison, TX | 14 | $ 3,272,000 | $ 233,714 | $ 112,000 |
| Youngstown-Warren-Boardman, OH-PA | 14 | $ 2,622,000 | $ 187,285 | $ 118,642 |
| Amarillo, TX | 13 | $ 3,397,000 | $ 261,307 | $ 130,000 |
| Canton-Massillon, OH | 13 | $ 3,068,000 | $ 236,000 | $ 112,000 |
| Des Moines-West Des Moines, IA | 13 | $ 3,492,000 | $ 268,615 | $ 139,000 |
| Great Falls, MT | 13 | $ 2,399,000 | $ 184,538 | $ 90,000 |
| Blacksburg-Christiansburg-Radford, VA | 12 | $ 2,615,000 | $ 217,916 | $ 99,000 |
| Davenport-Moline-Rock Island, IA-IL | 12 | $ 2,626,000 | $ 218,833 | $ 120,500 |
| El Centro, CA | 12 | $ 2,531,000 | $ 210,916 | $ 86,000 |
| Evansville, IN-KY | 12 | $ 2,071,000 | $ 172,583 | $ 121,500 |
| Kalamazoo-Portage, MI | 12 | $ 2,869,000 | $ 239,083 | $ 146,000 |
| Lubbock, TX | 12 | $ 2,487,000 | $ 207,250 | $ 114,000 |
| Springfield, MO | 12 | $ 2,542,000 | $ 211,833 | $ 109,000 |
| California-Lexington Park, MD | 11 | $ 3,181,000 | $ 289,181 | $ 130,000 |
| Columbia, MO | 11 | $ 2,715,000 | $ 246,818 | $ 71,000 |
| Monroe, LA | 11 | $ 2,005,000 | $ 182,272 | $ 117,000 |
| Wichita, KS | 11 | $ 2,516,000 | $ 228,727 | $ 83,000 |
| Bismarck, ND | 10 | $ 2,072,000 | $ 207,200 | $ 79,000 |
| Burlington-South Burlington, VT | 10 | $ 3,120,000 | $ 312,000 | $ 95,000 |
| Champaign-Urbana, IL | 10 | $ 2,232,000 | $ 223,200 | $ 155,000 |
| Duluth, MN-WI | 10 | $ 2,448,000 | $ 244,800 | $ 162,500 |
| Florence, SC | 10 | $ 1,743,000 | $ 174,300 | $ 49,000 |
| Jacksonville, NC | 10 | $ 2,477,000 | $ 247,700 | $ 96,000 |
| Logan, UT-ID | 10 | $ 2,372,000 | $ 237,200 | $ 83,000 |
| Rochester, MN | 10 | $ 2,161,000 | $ 216,100 | $ 87,000 |
| Staunton-Waynesboro, VA | 10 | $ 2,199,000 | $ 219,900 | $ 80,000 |
| Sumter, SC | 10 | $ 1,791,000 | $ 179,100 | $ 90,000 |
| Victoria, TX | 10 | $ 2,089,000 | $ 208,900 | $ 84,000 |
| Bloomington, IN | 9 | $ 2,719,000 | $ 302,111 | $ 130,000 |
| Cleveland, TN | 9 | $ 1,383,000 | $ 153,666 | $ 56,000 |
| Coeur D'Alene, ID | 9 | $ 2,469,000 | $ 274,333 | $ 261,000 |
| Dothan, AL | 9 | $ 1,632,000 | $ 181,333 | $ 95,000 |
| Fort Wayne, IN | 9 | $ 2,054,000 | $ 228,222 | $ 97,000 |
| Hanford-Corcoran, CA | 9 | $ 1,731,000 | $ 192,333 | $ 80,000 |
| Homosassa Springs, FL | 9 | $ 2,045,000 | $ 227,222 | $ 97,000 |
| Jackson, TN | 9 | $ 2,161,000 | $ 240,111 | $ 112,000 |
| Lebanon, PA | 9 | $ 1,667,000 | $ 185,222 | $ 93,000 |
| Macon, GA | 9 | $ 1,762,000 | $ 195,777 | $ 89,000 |
| Morristown, TN | 9 | $ 1,634,000 | $ 181,555 | $ 119,000 |
| Rome, GA | 9 | $ 1,672,000 | $ 185,777 | $ 90,000 |
| Texarkana, TX-AR | 9 | $ 1,616,000 | $ 179,555 | $ 87,333 |
| Albany, GA | 8 | $ 1,631,000 | $ 203,875 | $ 96,000 |
| Albany-Schenectady-Troy, NY | 8 | $ 2,363,000 | $ 295,375 | $ 96,000 |
| Brunswick, GA | 8 | $ 2,720,000 | $ 340,000 | $ 187,000 |
| Chambersburg-Waynesboro, PA | 8 | $ 1,183,000 | $ 147,875 | $ 99,000 |
| Decatur, AL | 8 | $ 1,659,000 | $ 207,375 | $ 112,000 |
| Erie, PA | 8 | $ 1,152,000 | $ 144,000 | $ 45,000 |
| Florence-Muscle Shoals, AL | 8 | $ 1,942,000 | $ 242,750 | $ 101,000 |
| Gadsden, AL | 8 | $ 1,654,000 | $ 206,750 | $ 74,000 |
| Goldsboro, NC | 8 | $ 1,415,000 | $ 176,875 | $ 56,000 |
| Grand Island, NE | 8 | $ 1,258,000 | $ 157,250 | $ 59,000 |
| Hammond, LA | 8 | $ 1,314,000 | $ 164,250 | $ 73,000 |
| Monroe, MI | 8 | $ 1,379,000 | $ 172,375 | $ 100,000 |
| Dalton, GA | 7 | $ 1,366,000 | $ 195,142 | $ 112,000 |
| Gettysburg, PA | 7 | $ 1,370,000 | $ 195,714 | $ 88,000 |
| Harrisonburg, VA | 7 | $ 1,597,000 | $ 228,142 | $ 104,000 |
| Norwich-New London, CT | 7 | $ 1,615,000 | $ 230,714 | $ 103,000 |
| Pueblo, CO | 7 | $ 1,276,000 | $ 182,285 | $ 67,000 |
| Sebring, FL | 7 | $ 841,000 | $ 120,142 | $ 71,000 |
| Walla Walla, WA | 7 | $ 2,037,000 | $ 291,000 | $ 56,000 |
| Wichita Falls, TX | 7 | $ 1,450,000 | $ 207,142 | $ 88,000 |
| Abilene, TX | 6 | $ 1,014,000 | $ 169,000 | $ 115,000 |
| Bloomsburg-Berwick, PA | 6 | $ 953,000 | $ 158,833 | $ 80,000 |
| Fort Smith, AR-OK | 6 | $ 1,580,000 | $ 263,333 | $ 126,166 |
| Grand Junction, CO | 6 | $ 1,529,000 | $ 254,833 | $ 113,000 |
| Laredo, TX | 6 | $ 1,128,000 | $ 188,000 | $ 81,000 |
| Morgantown, WV | 6 | $ 1,279,000 | $ 213,166 | $ 86,000 |
| Odessa, TX | 6 | $ 1,208,000 | $ 201,333 | $ 100,000 |
| Racine, WI | 6 | $ 1,627,000 | $ 271,166 | $ 189,000 |
| Columbus, IN | 5 | $ 1,434,000 | $ 286,800 | $ 119,000 |
| Grand Forks, ND-MN | 5 | $ 1,239,000 | $ 247,800 | $ 89,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 761,000 | $ 152,200 | $ 71,800 |
| Jackson, MI | 5 | $ 930,000 | $ 186,000 | $ 85,000 |
| Lawrence, KS | 5 | $ 785,000 | $ 157,000 | $ 111,000 |
| Lewiston-Auburn, ME | 5 | $ 1,179,000 | $ 235,800 | $ 90,000 |
| Rockford, IL | 5 | $ 797,000 | $ 159,400 | $ 76,000 |
| Saginaw, MI | 5 | $ 1,324,000 | $ 264,800 | $ 155,000 |
| San Angelo, TX | 5 | $ 754,000 | $ 150,800 | $ 72,000 |
| State College, PA | 5 | $ 895,000 | $ 179,000 | $ 125,000 |
| Terre Haute, IN | 5 | $ 1,300,000 | $ 260,000 | $ 204,000 |
| Williamsport, PA | 5 | $ 1,345,000 | $ 269,000 | $ 161,000 |
| Worcester, MA-CT | 5 | $ 866,000 | $ 173,200 | $ 119,000 |
| Appleton, WI | 4 | $ 1,067,000 | $ 266,750 | $ 117,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 864,000 | $ 216,000 | $ 100,000 |
| Cape Girardeau, MO-IL | 4 | $ 818,000 | $ 204,500 | $ 108,000 |
| Eau Claire, WI | 4 | $ 1,103,000 | $ 275,750 | $ 178,000 |
| Elkhart-Goshen, IN | 4 | $ 943,000 | $ 235,750 | $ 104,000 |
| Joplin, MO | 4 | $ 1,071,000 | $ 267,750 | $ 88,000 |
| Kokomo, IN | 4 | $ 592,000 | $ 148,000 | $ 85,000 |
| La Crosse-Onalaska, WI-MN | 4 | $ 842,000 | $ 210,500 | $ 88,500 |
| Lafayette-West Lafayette, IN | 4 | $ 681,000 | $ 170,250 | $ 72,000 |
| Niles-Benton Harbor, MI | 4 | $ 821,000 | $ 205,250 | $ 106,000 |
| Oshkosh-Neenah, WI | 4 | $ 793,000 | $ 198,250 | $ 76,000 |
| Pocatello, ID | 4 | $ 787,000 | $ 196,750 | $ 73,000 |
| Valdosta, GA | 4 | $ 805,000 | $ 201,250 | $ 51,000 |
| Alexandria, LA | 3 | $ 412,000 | $ 137,333 | $ 63,000 |
| Ames, IA | 3 | $ 727,000 | $ 242,333 | $ 120,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 571,000 | $ 190,333 | $ 60,000 |
| Bangor, ME | 3 | $ 440,000 | $ 146,666 | $ 152,000 |
| Battle Creek, MI | 3 | $ 536,000 | $ 178,666 | $ 97,000 |
| Charleston, WV | 3 | $ 964,000 | $ 321,333 | $ 178,000 |
| Green Bay, WI | 3 | $ 776,000 | $ 258,666 | $ 92,000 |
| Hattiesburg, MS | 3 | $ 636,000 | $ 212,000 | $ 89,000 |
| Hinesville, GA | 3 | $ 373,000 | $ 124,333 | $ 57,000 |
| Hot Springs, AR | 3 | $ 818,000 | $ 272,666 | $ 207,000 |
| Lewiston, ID-WA | 3 | $ 557,000 | $ 185,666 | $ 61,000 |
| Muskegon, MI | 3 | $ 553,000 | $ 184,333 | $ 97,000 |
| Peoria, IL | 3 | $ 599,000 | $ 199,666 | $ 55,000 |
| Sioux City, IA-NE-SD | 3 | $ 616,000 | $ 205,333 | $ 176,666 |
| Springfield, OH | 3 | $ 430,000 | $ 143,333 | $ 77,000 |
| St. Cloud, MN | 3 | $ 1,435,000 | $ 478,333 | $ 155,000 |
| St. Joseph, MO-KS | 3 | $ 661,000 | $ 220,333 | $ 91,000 |
| Wheeling, WV-OH | 3 | $ 679,000 | $ 226,333 | $ 114,000 |
| Bay City, MI | 2 | $ 302,000 | $ 151,000 | $ 119,000 |
| Carbondale-Marion, IL | 2 | $ 308,000 | $ 154,000 | $ 91,000 |
| Dutchess County-Putnam County, NY | 2 | $ 555,000 | $ 277,500 | $ 99,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 370,000 | $ 185,000 | $ 101,000 |
| Fond Du Lac, WI | 2 | $ 540,000 | $ 270,000 | $ 141,000 |
| Idaho Falls, ID | 2 | $ 655,000 | $ 327,500 | $ 229,000 |
| Iowa City, IA | 2 | $ 357,000 | $ 178,500 | $ 145,000 |
| Jefferson City, MO | 2 | $ 368,000 | $ 184,000 | $ 91,000 |
| Jonesboro, AR | 2 | $ 422,000 | $ 211,000 | $ 112,000 |
| Kankakee, IL | 2 | $ 302,000 | $ 151,000 | $ 75,000 |
| Lawton, OK | 2 | $ 407,000 | $ 203,500 | $ 189,000 |
| Mansfield, OH | 2 | $ 319,000 | $ 159,500 | $ 74,000 |
| Midland, MI | 2 | $ 398,000 | $ 199,000 | $ 83,000 |
| Parkersburg-Vienna, WV | 2 | $ 322,000 | $ 161,000 | $ 90,000 |
| Springfield, IL | 2 | $ 537,000 | $ 268,500 | $ 681,000 |
| Vineland-Bridgeton, NJ | 2 | $ 271,000 | $ 135,500 | $ 63,000 |
| Watertown-Fort Drum, NY | 2 | $ 246,000 | $ 123,000 | $ 140,000 |
| Wausau, WI | 2 | $ 620,000 | $ 310,000 | $ 160,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 392,000 | $ 196,000 | $ 68,000 |
| Anchorage, AK | 1 | $ 134,000 | $ 134,000 | $ 159,000 |
| Binghamton, NY | 1 | $ 93,000 | $ 93,000 | $ 155,000 |
| Bloomington, IL | 1 | $ 315,000 | $ 315,000 | $ 98,000 |
| Cedar Rapids, IA | 1 | $ 153,000 | $ 153,000 | $ 105,000 |
| Cumberland, MD-WV | 1 | $ 200,000 | $ 200,000 | $ 75,000 |
| Danville, IL | 1 | $ 113,000 | $ 113,000 | $ 80,000 |
| Dubuque, IA | 1 | $ 231,000 | $ 231,000 | $ 77,000 |
| Fairbanks, AK | 1 | $ 212,000 | $ 212,000 | $ 95,000 |
| Janesville-Beloit, WI | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
| Manhattan, KS | 1 | $ 308,000 | $ 308,000 | $ 239,000 |
| Mankato-North Mankato, MN | 1 | $ 108,000 | $ 108,000 | $ 184,000 |
| Michigan City-La Porte, IN | 1 | $ 346,000 | $ 346,000 | $ 139,000 |
| Owensboro, KY | 1 | $ 362,000 | $ 362,000 | $ 176,000 |
| Rochester, NY | 1 | $ 406,000 | $ 406,000 | $ 165,000 |
| Rocky Mount, NC | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Topeka, KS | 1 | $ 278,000 | $ 278,000 | $ 112,000 |
| Utica-Rome, NY | 1 | $ 800,000 | $ 800,000 | $ 309,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company, Li in 2016
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 | 32,574 | $9,118,851,000 | $279,000 | $1,768,000 | $116,000 | $7,800,000 |
| Home Purchase | 7,676 | $2,066,410,000 | $269,000 | $2,240,000 | $121,000 | $2,344,000 |
| Home Improvement | 9 | $2,731,000 | $303,000 | $560,000 | $127,000 | $300,000 |
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 | 28,944 | $7,930,802,000 | $274,000 | $2,240,000 | $118,000 | $7,800,000 |
| Asian | 5,125 | $1,673,142,000 | $326,000 | $1,272,000 | $137,000 | $2,945,000 |
| Hispanic | 3,423 | $888,309,000 | $259,000 | $1,440,000 | $100,000 | $1,758,000 |
| Black or African American | 1,997 | $474,503,000 | $237,000 | $1,820,000 | $89,000 | $550,000 |
| American Indian or Alaskan Native | 392 | $108,119,000 | $275,000 | $1,066,000 | $114,000 | $805,000 |
| Native Hawaiin or Other Pacific Islander | 240 | $72,232,000 | $300,000 | $850,000 | $109,000 | $824,000 |
| Not Provided | 137 | $40,505,000 | $295,000 | $1,200,000 | $135,000 | $607,000 |
| Not applicable | 1 | $380,000 | $380,000 | $380,000 | $138,000 | $138,000 |
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) | 33,645 | $9,647,986,000 | $286,000 | $2,240,000 | $127,000 | $7,800,000 |
| FHA-insured (Federal Housing Administration) | 4,041 | $837,658,000 | $207,000 | $805,000 | $69,000 | $1,560,000 |
| VA-guaranteed (Veterans Administration) | 2,527 | $694,578,000 | $274,000 | $1,669,000 | $67,000 | $1,078,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $7,770,000 | $168,000 | $380,000 | $52,000 | $88,000 |
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 | 24,587 | $6,974,882,000 | $283,000 | $2,240,000 | $119,000 | $2,344,000 |
| Application Withdrawn By Applicant | 12,573 | $3,380,228,000 | $268,000 | $2,000,000 | $118,000 | $7,800,000 |
| Application Approved But Not Accepted | 1,290 | $350,910,000 | $272,000 | $1,190,000 | $106,000 | $1,384,000 |
| Application Denied By Financial Institution | 1,127 | $303,597,000 | $269,000 | $1,369,000 | $89,000 | $1,505,000 |
| File Closed For Incompleteness | 682 | $178,375,000 | $261,000 | $1,170,000 | $99,000 | $558,000 |
| 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 | 488 | $146,238,000 | $299,000 | $1,300,000 | $67,000 | $966,000 |
| Credit History | 257 | $60,223,000 | $234,000 | $909,000 | $88,000 | $941,000 |
| Collateral | 169 | $41,280,000 | $244,000 | $975,000 | $128,000 | $612,000 |
| Employment History | 52 | $15,656,000 | $301,000 | $1,369,000 | $97,000 | $338,000 |
| Other | 44 | $10,275,000 | $233,000 | $626,000 | $91,000 | $192,000 |
| Unverifiable Information | 44 | $11,070,000 | $251,000 | $770,000 | $152,000 | $1,239,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $5,060,000 | $220,000 | $600,000 | $74,000 | $300,000 |
| Credit Application Incomplete | 10 | $2,783,000 | $278,000 | $652,000 | $245,000 | $1,505,000 |
| Mortgage Insurance Denied | 1 | $210,000 | $210,000 | $210,000 | $66,000 | $66,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company, Li's 2016 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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