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records Cardinal Financial Company, Li filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,951 | $ 467,466,000 | $ 239,603 | $ 99,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,261 | $ 274,887,000 | $ 217,991 | $ 118,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,172 | $ 457,773,000 | $ 390,591 | $ 122,000 |
| Dallas-Plano-Irving, TX | 1,100 | $ 257,019,000 | $ 233,653 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,090 | $ 268,637,000 | $ 246,455 | $ 117,000 |
| Las Vegas-Henderson-Paradise, NV | 1,067 | $ 266,413,000 | $ 249,684 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 962 | $ 352,554,000 | $ 366,480 | $ 141,035 |
| Riverside-San Bernardino-Ontario, CA | 776 | $ 218,445,000 | $ 281,501 | $ 101,000 |
| Charlotte-Concord-Gastonia, NC-SC | 775 | $ 193,987,000 | $ 250,305 | $ 108,825 |
| Fort Worth-Arlington, TX | 636 | $ 129,169,000 | $ 203,095 | $ 103,000 |
| Seattle-Bellevue-Everett, WA | 615 | $ 225,029,000 | $ 365,900 | $ 144,000 |
| Tampa-St. Petersburg-Clearwater, FL | 512 | $ 114,958,000 | $ 224,527 | $ 105,000 |
| Denver-Aurora-Lakewood, CO | 511 | $ 146,364,000 | $ 286,426 | $ 105,000 |
| San Diego-Carlsbad, CA | 511 | $ 196,451,000 | $ 384,444 | $ 127,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 505 | $ 140,528,000 | $ 278,273 | $ 106,647 |
| Oakland-Hayward-Berkeley, CA | 500 | $ 217,289,000 | $ 434,578 | $ 145,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 484 | $ 140,715,000 | $ 290,733 | $ 114,000 |
| New York-Jersey City-White Plains, NY-NJ | 473 | $ 159,626,000 | $ 337,475 | $ 142,226 |
| Austin-Round Rock, TX | 456 | $ 109,958,000 | $ 241,135 | $ 119,000 |
| Orlando-Kissimmee-Sanford, FL | 408 | $ 91,547,000 | $ 224,379 | $ 112,000 |
| Anaheim-Santa Ana-Irvine, CA | 406 | $ 179,031,000 | $ 440,963 | $ 143,000 |
| San Antonio-New Braunfels, TX | 367 | $ 71,643,000 | $ 195,212 | $ 96,000 |
| Baltimore-Columbia-Towson, MD | 358 | $ 105,698,000 | $ 295,245 | $ 129,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 337 | $ 90,046,000 | $ 267,198 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 312 | $ 83,484,000 | $ 267,576 | $ 110,000 |
| Raleigh, NC | 296 | $ 79,944,000 | $ 270,081 | $ 119,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 289 | $ 72,872,000 | $ 252,152 | $ 103,000 |
| Chicago-Naperville-Arlington Heights, IL | 288 | $ 78,437,000 | $ 272,350 | $ 132,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 268 | $ 67,861,000 | $ 253,212 | $ 118,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 261 | $ 66,124,000 | $ 253,348 | $ 113,482 |
| Montgomery County-Bucks County-Chester County, PA | 256 | $ 71,647,000 | $ 279,871 | $ 170,000 |
| Salt Lake City, UT | 247 | $ 66,229,000 | $ 268,133 | $ 101,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 241 | $ 117,399,000 | $ 487,132 | $ 148,000 |
| Tucson, AZ | 240 | $ 53,111,000 | $ 221,295 | $ 111,000 |
| Albuquerque, NM | 229 | $ 43,950,000 | $ 191,921 | $ 79,000 |
| Reno, NV | 224 | $ 64,938,000 | $ 289,901 | $ 114,000 |
| Warren-Troy-Farmington Hills, MI | 221 | $ 58,611,000 | $ 265,208 | $ 130,000 |
| Jacksonville, FL | 210 | $ 45,106,000 | $ 214,790 | $ 100,000 |
| Silver Spring-Frederick-Rockville, MD | 208 | $ 77,360,000 | $ 371,923 | $ 146,000 |
| Newark, NJ-PA | 187 | $ 61,941,000 | $ 331,235 | $ 150,208 |
| Tacoma-Lakewood, WA | 176 | $ 45,354,000 | $ 257,693 | $ 101,000 |
| St. Louis, MO-IL | 175 | $ 36,102,000 | $ 206,297 | $ 108,502 |
| North Port-Sarasota-Bradenton, FL | 165 | $ 36,900,000 | $ 223,636 | $ 125,000 |
| Richmond, VA | 159 | $ 39,198,000 | $ 246,528 | $ 129,000 |
| Philadelphia, PA | 152 | $ 34,259,000 | $ 225,388 | $ 162,000 |
| Stockton-Lodi, CA | 147 | $ 41,276,000 | $ 280,789 | $ 102,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 143 | $ 36,686,000 | $ 256,545 | $ 124,104 |
| Boise City, ID | 140 | $ 29,977,000 | $ 214,121 | $ 104,000 |
| San Francisco-Redwood City-South San Francisco, CA | 140 | $ 75,673,000 | $ 540,521 | $ 158,000 |
| Bakersfield, CA | 137 | $ 28,101,000 | $ 205,116 | $ 99,000 |
| Charleston-North Charleston, SC | 136 | $ 36,547,000 | $ 268,727 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 135 | $ 51,954,000 | $ 384,844 | $ 146,000 |
| Cape Coral-Fort Myers, FL | 132 | $ 27,703,000 | $ 209,871 | $ 109,000 |
| Provo-Orem, UT | 131 | $ 35,901,000 | $ 274,053 | $ 111,000 |
| Fresno, CA | 125 | $ 29,839,000 | $ 238,712 | $ 111,000 |
| Vallejo-Fairfield, CA | 123 | $ 38,602,000 | $ 313,837 | $ 113,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 118 | $ 24,513,000 | $ 207,737 | $ 114,872 |
| Deltona-Daytona Beach-Ormond Beach, FL | 116 | $ 22,268,000 | $ 191,965 | $ 85,000 |
| Ogden-Clearfield, UT | 116 | $ 26,792,000 | $ 230,965 | $ 91,000 |
| Modesto, CA | 113 | $ 27,781,000 | $ 245,849 | $ 106,000 |
| Palm Bay-Melbourne-Titusville, FL | 110 | $ 23,930,000 | $ 217,545 | $ 105,000 |
| Indianapolis-Carmel-Anderson, IN | 109 | $ 24,802,000 | $ 227,541 | $ 107,000 |
| Kansas City, MO-KS | 108 | $ 23,604,000 | $ 218,555 | $ 105,500 |
| Birmingham-Hoover, AL | 107 | $ 21,764,000 | $ 203,401 | $ 91,000 |
| Colorado Springs, CO | 106 | $ 25,592,000 | $ 241,433 | $ 96,000 |
| Prescott, AZ | 106 | $ 27,158,000 | $ 256,207 | $ 86,000 |
| New Orleans-Metairie, LA | 102 | $ 21,465,000 | $ 210,441 | $ 83,000 |
| Pittsburgh, PA | 102 | $ 22,102,000 | $ 216,686 | $ 112,000 |
| Asheville, NC | 98 | $ 25,091,000 | $ 256,030 | $ 112,000 |
| Camden, NJ | 95 | $ 21,101,000 | $ 222,115 | $ 110,000 |
| Port St. Lucie, FL | 95 | $ 20,950,000 | $ 220,526 | $ 88,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 87 | $ 17,868,000 | $ 205,379 | $ 106,022 |
| Spokane-Spokane Valley, WA | 87 | $ 17,560,000 | $ 201,839 | $ 113,000 |
| Durham-Chapel Hill, NC | 86 | $ 20,890,000 | $ 242,906 | $ 106,000 |
| El Paso, TX | 79 | $ 12,261,000 | $ 155,202 | $ 82,000 |
| Lakeland-Winter Haven, FL | 78 | $ 14,560,000 | $ 186,666 | $ 79,000 |
| Memphis, TN-MS-AR | 78 | $ 16,901,000 | $ 216,679 | $ 113,602 |
| Greenville-Anderson-Mauldin, SC | 76 | $ 17,555,000 | $ 230,986 | $ 100,000 |
| Santa Rosa, CA | 70 | $ 27,381,000 | $ 391,157 | $ 115,000 |
| Columbus, OH | 69 | $ 17,555,000 | $ 254,420 | $ 138,000 |
| Nassau County-Suffolk County, NY | 69 | $ 23,678,000 | $ 343,159 | $ 156,000 |
| Greensboro-High Point, NC | 68 | $ 14,596,000 | $ 214,647 | $ 96,000 |
| Olympia-Tumwater, WA | 66 | $ 17,245,000 | $ 261,287 | $ 89,000 |
| Columbia, SC | 64 | $ 12,198,000 | $ 190,593 | $ 84,000 |
| Corpus Christi, TX | 64 | $ 12,264,000 | $ 191,625 | $ 150,000 |
| Providence-Warwick, RI-MA | 64 | $ 18,730,000 | $ 292,656 | $ 137,000 |
| Naples-Immokalee-Marco Island, FL | 63 | $ 18,969,000 | $ 301,095 | $ 113,000 |
| Fort Collins, CO | 62 | $ 18,562,000 | $ 299,387 | $ 106,000 |
| Salinas, CA | 61 | $ 23,062,000 | $ 378,065 | $ 132,000 |
| Wilmington, DE-MD-NJ | 61 | $ 16,086,000 | $ 263,704 | $ 129,377 |
| Lake Havasu City-Kingman, AZ | 60 | $ 11,136,000 | $ 185,600 | $ 91,000 |
| Cincinnati, OH-KY-IN | 57 | $ 14,125,000 | $ 247,807 | $ 146,789 |
| Greeley, CO | 57 | $ 15,182,000 | $ 266,350 | $ 95,000 |
| Knoxville, TN | 57 | $ 12,710,000 | $ 222,982 | $ 115,000 |
| Pensacola-Ferry Pass-Brent, FL | 57 | $ 12,200,000 | $ 214,035 | $ 110,000 |
| Santa Fe, NM | 57 | $ 16,080,000 | $ 282,105 | $ 205,000 |
| Santa Maria-Santa Barbara, CA | 57 | $ 21,946,000 | $ 385,017 | $ 110,000 |
| Winston-Salem, NC | 57 | $ 10,857,000 | $ 190,473 | $ 88,000 |
| Killeen-Temple, TX | 56 | $ 9,131,000 | $ 163,053 | $ 79,000 |
| Omaha-Council Bluffs, NE-IA | 55 | $ 10,223,000 | $ 185,872 | $ 152,727 |
| Salem, OR | 55 | $ 12,094,000 | $ 219,890 | $ 74,000 |
| Louisville/Jefferson County, KY-IN | 54 | $ 12,162,000 | $ 225,222 | $ 112,166 |
| Visalia-Porterville, CA | 53 | $ 10,215,000 | $ 192,735 | $ 89,000 |
| Chattanooga, TN-GA | 52 | $ 11,292,000 | $ 217,153 | $ 98,923 |
| Cleveland-Elyria, OH | 51 | $ 11,885,000 | $ 233,039 | $ 143,000 |
| Flagstaff, AZ | 51 | $ 12,784,000 | $ 250,666 | $ 108,000 |
| Wilmington, NC | 51 | $ 13,168,000 | $ 258,196 | $ 107,000 |
| Baton Rouge, LA | 50 | $ 9,849,000 | $ 196,980 | $ 73,000 |
| Bend-Redmond, OR | 50 | $ 14,110,000 | $ 282,200 | $ 119,000 |
| Detroit-Dearborn-Livonia, MI | 50 | $ 10,896,000 | $ 217,920 | $ 116,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 50 | $ 12,872,000 | $ 257,440 | $ 136,540 |
| Savannah, GA | 50 | $ 14,023,000 | $ 280,460 | $ 133,000 |
| Bremerton-Silverdale, WA | 49 | $ 13,043,000 | $ 266,183 | $ 105,000 |
| Eugene, OR | 49 | $ 10,696,000 | $ 218,285 | $ 77,000 |
| Crestview-Fort Walton Beach-Destin, FL | 48 | $ 14,665,000 | $ 305,520 | $ 188,000 |
| Huntsville, AL | 48 | $ 10,524,000 | $ 219,250 | $ 99,000 |
| Boulder, CO | 47 | $ 15,275,000 | $ 325,000 | $ 111,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 45 | $ 16,013,000 | $ 355,844 | $ 119,000 |
| Punta Gorda, FL | 44 | $ 9,577,000 | $ 217,659 | $ 126,000 |
| Bridgeport-Stamford-Norwalk, CT | 43 | $ 18,470,000 | $ 429,534 | $ 204,000 |
| Midland, TX | 43 | $ 8,984,000 | $ 208,930 | $ 106,000 |
| St. George, UT | 43 | $ 10,839,000 | $ 252,069 | $ 106,000 |
| Augusta-Richmond County, GA-SC | 42 | $ 9,208,000 | $ 219,238 | $ 96,571 |
| Hickory-Lenoir-Morganton, NC | 42 | $ 8,780,000 | $ 209,047 | $ 97,000 |
| Tallahassee, FL | 42 | $ 8,407,000 | $ 200,166 | $ 97,000 |
| Bellingham, WA | 41 | $ 11,760,000 | $ 286,829 | $ 96,000 |
| Harrisburg-Carlisle, PA | 41 | $ 9,099,000 | $ 221,926 | $ 112,000 |
| Little Rock-North Little Rock-Conway, AR | 41 | $ 8,157,000 | $ 198,951 | $ 75,000 |
| McAllen-Edinburg-Mission, TX | 41 | $ 6,403,000 | $ 156,170 | $ 77,000 |
| Portland-South Portland, ME | 41 | $ 11,464,000 | $ 279,609 | $ 156,000 |
| Santa Cruz-Watsonville, CA | 41 | $ 20,872,000 | $ 509,073 | $ 198,000 |
| Hartford-West Hartford-East Hartford, CT | 40 | $ 9,773,000 | $ 244,325 | $ 115,000 |
| Salisbury, MD-DE | 40 | $ 9,810,000 | $ 245,250 | $ 172,250 |
| Medford, OR | 39 | $ 8,817,000 | $ 226,076 | $ 74,000 |
| Milwaukee-Waukesha-West Allis, WI | 39 | $ 11,832,000 | $ 303,384 | $ 170,000 |
| Ocala, FL | 39 | $ 7,723,000 | $ 198,025 | $ 79,000 |
| Lake County-Kenosha County, IL-WI | 38 | $ 9,757,000 | $ 256,763 | $ 157,894 |
| Columbus, GA-AL | 36 | $ 6,696,000 | $ 186,000 | $ 72,972 |
| Grand Rapids-Wyoming, MI | 36 | $ 8,919,000 | $ 247,750 | $ 104,000 |
| Montgomery, AL | 36 | $ 7,088,000 | $ 196,888 | $ 96,000 |
| Amarillo, TX | 34 | $ 6,288,000 | $ 184,941 | $ 86,000 |
| College Station-Bryan, TX | 34 | $ 6,526,000 | $ 191,941 | $ 160,000 |
| Merced, CA | 34 | $ 6,989,000 | $ 205,558 | $ 80,000 |
| Panama City, FL | 34 | $ 8,397,000 | $ 246,970 | $ 120,000 |
| Redding, CA | 34 | $ 7,365,000 | $ 216,617 | $ 84,000 |
| Charlottesville, VA | 32 | $ 8,931,000 | $ 279,093 | $ 136,000 |
| Oklahoma City, OK | 32 | $ 8,281,000 | $ 258,781 | $ 179,000 |
| Waco, TX | 32 | $ 5,915,000 | $ 184,843 | $ 122,000 |
| York-Hanover, PA | 32 | $ 6,306,000 | $ 197,062 | $ 101,000 |
| Trenton, NJ | 31 | $ 6,484,000 | $ 209,161 | $ 97,000 |
| Daphne-Fairhope-Foley, AL | 30 | $ 6,390,000 | $ 213,000 | $ 91,000 |
| Kennewick-Richland, WA | 29 | $ 5,690,000 | $ 196,206 | $ 94,000 |
| Las Cruces, NM | 29 | $ 5,889,000 | $ 203,068 | $ 87,000 |
| San Rafael, CA | 29 | $ 17,311,000 | $ 596,931 | $ 141,000 |
| The Villages, FL | 29 | $ 6,133,000 | $ 211,482 | $ 85,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 28 | $ 8,523,000 | $ 304,392 | $ 190,000 |
| Homosassa Springs, FL | 28 | $ 4,869,000 | $ 173,892 | $ 85,000 |
| Lancaster, PA | 28 | $ 5,115,000 | $ 182,678 | $ 80,000 |
| Napa, CA | 28 | $ 10,818,000 | $ 386,357 | $ 123,000 |
| Yakima, WA | 28 | $ 5,540,000 | $ 197,857 | $ 79,000 |
| Beaumont-Port Arthur, TX | 27 | $ 4,618,000 | $ 171,037 | $ 106,000 |
| Billings, MT | 27 | $ 5,202,000 | $ 192,666 | $ 78,000 |
| Cheyenne, WY | 27 | $ 5,847,000 | $ 216,555 | $ 79,000 |
| Madera, CA | 27 | $ 5,391,000 | $ 199,666 | $ 89,000 |
| Gainesville, FL | 26 | $ 5,120,000 | $ 196,923 | $ 120,000 |
| Sebastian-Vero Beach, FL | 26 | $ 4,960,000 | $ 190,769 | $ 81,000 |
| Sierra Vista-Douglas, AZ | 26 | $ 3,900,000 | $ 150,000 | $ 66,000 |
| Athens-Clarke County, GA | 25 | $ 5,557,000 | $ 222,280 | $ 113,000 |
| Carson City, NV | 25 | $ 6,113,000 | $ 244,520 | $ 93,000 |
| Lafayette, LA | 25 | $ 4,475,000 | $ 179,000 | $ 98,000 |
| Pueblo, CO | 25 | $ 4,721,000 | $ 188,840 | $ 81,000 |
| Sherman-Denison, TX | 25 | $ 4,864,000 | $ 194,560 | $ 109,000 |
| Yuma, AZ | 25 | $ 3,926,000 | $ 157,040 | $ 79,000 |
| Ann Arbor, MI | 24 | $ 6,020,000 | $ 250,833 | $ 196,000 |
| Coeur D'Alene, ID | 24 | $ 6,413,000 | $ 267,208 | $ 121,000 |
| Gainesville, GA | 24 | $ 5,866,000 | $ 244,416 | $ 100,000 |
| Manchester-Nashua, NH | 24 | $ 6,654,000 | $ 277,250 | $ 136,000 |
| Mobile, AL | 24 | $ 4,420,000 | $ 184,166 | $ 75,000 |
| Mount Vernon-Anacortes, WA | 24 | $ 5,157,000 | $ 214,875 | $ 94,000 |
| Roanoke, VA | 24 | $ 5,499,000 | $ 229,125 | $ 86,000 |
| Rockingham County-Strafford County, NH | 24 | $ 7,021,000 | $ 292,541 | $ 152,000 |
| Fayetteville, NC | 23 | $ 3,712,000 | $ 161,391 | $ 56,000 |
| Reading, PA | 23 | $ 4,834,000 | $ 210,173 | $ 84,000 |
| Springfield, MO | 23 | $ 3,557,000 | $ 154,652 | $ 82,000 |
| Atlantic City-Hammonton, NJ | 22 | $ 4,825,000 | $ 219,318 | $ 174,000 |
| Gary, IN | 22 | $ 4,938,000 | $ 224,454 | $ 108,000 |
| Lynchburg, VA | 22 | $ 4,461,000 | $ 202,772 | $ 75,000 |
| Odessa, TX | 22 | $ 3,438,000 | $ 156,272 | $ 91,000 |
| Shreveport-Bossier City, LA | 22 | $ 4,342,000 | $ 197,363 | $ 97,000 |
| Tyler, TX | 22 | $ 3,403,000 | $ 154,681 | $ 81,000 |
| Grants Pass, OR | 21 | $ 5,799,000 | $ 276,142 | $ 77,000 |
| Houma-Thibodaux, LA | 21 | $ 4,652,000 | $ 221,523 | $ 114,000 |
| Yuba City, CA | 21 | $ 5,195,000 | $ 247,380 | $ 76,000 |
| Brownsville-Harlingen, TX | 20 | $ 3,686,000 | $ 184,300 | $ 123,000 |
| Chico, CA | 20 | $ 4,705,000 | $ 235,250 | $ 117,000 |
| El Centro, CA | 20 | $ 4,218,000 | $ 210,900 | $ 107,000 |
| Elgin, IL | 20 | $ 4,990,000 | $ 249,500 | $ 160,000 |
| Lincoln, NE | 20 | $ 3,721,000 | $ 186,050 | $ 64,000 |
| Missoula, MT | 20 | $ 4,415,000 | $ 220,750 | $ 89,000 |
| Lexington-Fayette, KY | 19 | $ 4,922,000 | $ 259,052 | $ 121,000 |
| Logan, UT-ID | 19 | $ 3,469,000 | $ 182,578 | $ 76,000 |
| New Haven-Milford, CT | 19 | $ 4,649,000 | $ 244,684 | $ 151,000 |
| Sioux Falls, SD | 19 | $ 4,801,000 | $ 252,684 | $ 113,000 |
| Spartanburg, SC | 19 | $ 4,281,000 | $ 225,315 | $ 127,000 |
| East Stroudsburg, PA | 18 | $ 3,345,000 | $ 185,833 | $ 100,000 |
| Hagerstown-Martinsburg, MD-WV | 18 | $ 4,592,000 | $ 255,111 | $ 86,833 |
| Hanford-Corcoran, CA | 18 | $ 3,333,000 | $ 185,166 | $ 64,000 |
| Lubbock, TX | 18 | $ 2,638,000 | $ 146,555 | $ 77,000 |
| Bismarck, ND | 17 | $ 3,552,000 | $ 208,941 | $ 100,000 |
| Longview, TX | 17 | $ 2,397,000 | $ 141,000 | $ 80,000 |
| Clarksville, TN-KY | 16 | $ 2,883,000 | $ 180,187 | $ 86,250 |
| California-Lexington Park, MD | 15 | $ 3,915,000 | $ 261,000 | $ 108,000 |
| Farmington, NM | 15 | $ 2,568,000 | $ 171,200 | $ 84,000 |
| Idaho Falls, ID | 15 | $ 8,412,000 | $ 560,800 | $ 133,000 |
| Jackson, MS | 15 | $ 4,205,000 | $ 280,333 | $ 139,000 |
| Kingsport-Bristol-Bristol, TN-VA | 15 | $ 2,747,000 | $ 183,133 | $ 58,533 |
| Longview, WA | 15 | $ 3,553,000 | $ 236,866 | $ 84,000 |
| Macon-Bibb County, GA | 15 | $ 3,546,000 | $ 236,400 | $ 113,000 |
| Madison, WI | 15 | $ 4,248,000 | $ 283,200 | $ 187,000 |
| Wenatchee, WA | 15 | $ 4,553,000 | $ 303,533 | $ 94,000 |
| Akron, OH | 14 | $ 3,860,000 | $ 275,714 | $ 198,000 |
| Albany, OR | 14 | $ 2,478,000 | $ 177,000 | $ 71,000 |
| Burlington, NC | 14 | $ 2,734,000 | $ 195,285 | $ 70,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 14 | $ 2,234,000 | $ 159,571 | $ 96,000 |
| Tulsa, OK | 14 | $ 3,415,000 | $ 243,928 | $ 140,000 |
| Abilene, TX | 13 | $ 2,299,000 | $ 176,846 | $ 94,000 |
| Blacksburg-Christiansburg-Radford, VA | 13 | $ 3,014,000 | $ 231,846 | $ 142,000 |
| Decatur, AL | 13 | $ 2,183,000 | $ 167,923 | $ 93,000 |
| Dover, DE | 13 | $ 3,184,000 | $ 244,923 | $ 80,000 |
| Florence-Muscle Shoals, AL | 13 | $ 1,934,000 | $ 148,769 | $ 81,000 |
| Greenville, NC | 13 | $ 2,649,000 | $ 203,769 | $ 133,000 |
| Johnson City, TN | 13 | $ 2,965,000 | $ 228,076 | $ 105,000 |
| Joplin, MO | 13 | $ 1,624,000 | $ 124,923 | $ 65,000 |
| Ocean City, NJ | 13 | $ 3,450,000 | $ 265,384 | $ 130,000 |
| Rocky Mount, NC | 13 | $ 1,889,000 | $ 145,307 | $ 78,000 |
| Staunton-Waynesboro, VA | 13 | $ 2,266,000 | $ 174,307 | $ 112,000 |
| Warner Robins, GA | 13 | $ 2,036,000 | $ 156,615 | $ 66,000 |
| Auburn-Opelika, AL | 12 | $ 2,174,000 | $ 181,166 | $ 69,000 |
| Brunswick, GA | 12 | $ 2,839,000 | $ 236,583 | $ 92,000 |
| Columbia, MO | 12 | $ 3,461,000 | $ 288,416 | $ 120,000 |
| Dayton, OH | 12 | $ 2,796,000 | $ 233,000 | $ 131,000 |
| Fargo, ND-MN | 12 | $ 2,403,000 | $ 200,250 | $ 97,000 |
| Grand Junction, CO | 12 | $ 2,934,000 | $ 244,500 | $ 86,000 |
| Great Falls, MT | 12 | $ 2,193,000 | $ 182,750 | $ 85,000 |
| Kalamazoo-Portage, MI | 12 | $ 2,807,000 | $ 233,916 | $ 127,000 |
| Lansing-East Lansing, MI | 12 | $ 2,478,000 | $ 206,500 | $ 93,000 |
| New Bern, NC | 12 | $ 2,186,000 | $ 182,166 | $ 73,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 11 | $ 2,137,000 | $ 194,272 | $ 81,000 |
| Casper, WY | 11 | $ 2,300,000 | $ 209,090 | $ 103,000 |
| Corvallis, OR | 11 | $ 2,366,000 | $ 215,090 | $ 85,000 |
| Des Moines-West Des Moines, IA | 11 | $ 3,455,000 | $ 314,090 | $ 108,000 |
| Flint, MI | 11 | $ 1,929,000 | $ 175,363 | $ 104,000 |
| Gettysburg, PA | 11 | $ 2,276,000 | $ 206,909 | $ 91,000 |
| Laredo, TX | 11 | $ 2,178,000 | $ 198,000 | $ 114,000 |
| South Bend-Mishawaka, IN-MI | 11 | $ 2,145,000 | $ 195,000 | $ 124,181 |
| Tuscaloosa, AL | 11 | $ 2,064,000 | $ 187,636 | $ 55,000 |
| Urban Honolulu, HI | 11 | $ 6,364,000 | $ 578,545 | $ 145,000 |
| Winchester, VA-WV | 11 | $ 2,682,000 | $ 243,818 | $ 107,000 |
| Chambersburg-Waynesboro, PA | 10 | $ 2,058,000 | $ 205,800 | $ 81,000 |
| Jackson, MI | 10 | $ 1,814,000 | $ 181,400 | $ 93,000 |
| Lewiston, ID-WA | 10 | $ 1,773,000 | $ 177,300 | $ 67,000 |
| Rochester, NY | 10 | $ 2,112,000 | $ 211,200 | $ 110,000 |
| San Angelo, TX | 10 | $ 1,556,000 | $ 155,600 | $ 72,000 |
| Sebring, FL | 10 | $ 1,311,000 | $ 131,100 | $ 51,000 |
| Toledo, OH | 10 | $ 2,602,000 | $ 260,200 | $ 125,000 |
| Dothan, AL | 9 | $ 1,682,000 | $ 186,888 | $ 123,000 |
| Florence, SC | 9 | $ 1,605,000 | $ 178,333 | $ 84,000 |
| Fort Wayne, IN | 9 | $ 2,429,000 | $ 269,888 | $ 136,000 |
| Grand Forks, ND-MN | 9 | $ 1,728,000 | $ 192,000 | $ 62,666 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 1,324,000 | $ 147,111 | $ 84,888 |
| Jefferson City, MO | 9 | $ 1,727,000 | $ 191,888 | $ 70,000 |
| Rapid City, SD | 9 | $ 1,168,000 | $ 129,777 | $ 48,000 |
| Wichita Falls, TX | 9 | $ 1,504,000 | $ 167,111 | $ 181,000 |
| Cape Girardeau, MO-IL | 8 | $ 1,250,000 | $ 156,250 | $ 77,000 |
| Fort Smith, AR-OK | 8 | $ 1,239,000 | $ 154,875 | $ 135,000 |
| Jacksonville, NC | 8 | $ 1,532,000 | $ 191,500 | $ 87,000 |
| Lake Charles, LA | 8 | $ 1,236,000 | $ 154,500 | $ 92,000 |
| Rome, GA | 8 | $ 1,247,000 | $ 155,875 | $ 122,000 |
| Victoria, TX | 8 | $ 1,780,000 | $ 222,500 | $ 136,000 |
| Columbus, IN | 7 | $ 1,429,000 | $ 204,142 | $ 85,000 |
| Dalton, GA | 7 | $ 937,000 | $ 133,857 | $ 60,000 |
| Evansville, IN-KY | 7 | $ 935,000 | $ 133,571 | $ 116,000 |
| Hammond, LA | 7 | $ 1,392,000 | $ 198,857 | $ 76,000 |
| Hot Springs, AR | 7 | $ 1,589,000 | $ 227,000 | $ 97,000 |
| Jackson, TN | 7 | $ 1,493,000 | $ 213,285 | $ 74,000 |
| Texarkana, TX-AR | 7 | $ 1,202,000 | $ 171,714 | $ 70,000 |
| Walla Walla, WA | 7 | $ 1,059,000 | $ 151,285 | $ 62,000 |
| Williamsport, PA | 7 | $ 1,061,000 | $ 151,571 | $ 75,000 |
| Youngstown-Warren-Boardman, OH-PA | 7 | $ 1,260,000 | $ 180,000 | $ 74,142 |
| Albany, GA | 6 | $ 980,000 | $ 163,333 | $ 100,000 |
| Bloomington, IN | 6 | $ 1,347,000 | $ 224,500 | $ 107,000 |
| Canton-Massillon, OH | 6 | $ 1,182,000 | $ 197,000 | $ 111,000 |
| Harrisonburg, VA | 6 | $ 1,419,000 | $ 236,500 | $ 88,000 |
| Lebanon, PA | 6 | $ 1,615,000 | $ 269,166 | $ 146,000 |
| Mankato-North Mankato, MN | 6 | $ 1,104,000 | $ 184,000 | $ 82,000 |
| Monroe, MI | 6 | $ 1,340,000 | $ 223,333 | $ 116,000 |
| Morgantown, WV | 6 | $ 1,253,000 | $ 208,833 | $ 102,000 |
| Morristown, TN | 6 | $ 981,000 | $ 163,500 | $ 70,000 |
| Niles-Benton Harbor, MI | 6 | $ 1,466,000 | $ 244,333 | $ 98,000 |
| Peoria, IL | 6 | $ 1,380,000 | $ 230,000 | $ 111,000 |
| Rochester, MN | 6 | $ 1,579,000 | $ 263,166 | $ 194,000 |
| Sioux City, IA-NE-SD | 6 | $ 1,102,000 | $ 183,666 | $ 171,500 |
| Sumter, SC | 6 | $ 871,000 | $ 145,166 | $ 85,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 861,000 | $ 172,200 | $ 69,000 |
| Anniston-Oxford-Jacksonville, AL | 5 | $ 805,000 | $ 161,000 | $ 46,000 |
| Appleton, WI | 5 | $ 1,383,000 | $ 276,600 | $ 92,000 |
| Burlington-South Burlington, VT | 5 | $ 1,692,000 | $ 338,400 | $ 190,000 |
| Erie, PA | 5 | $ 825,000 | $ 165,000 | $ 66,000 |
| Jonesboro, AR | 5 | $ 674,000 | $ 134,800 | $ 81,000 |
| Norwich-New London, CT | 5 | $ 1,152,000 | $ 230,400 | $ 93,000 |
| St. Joseph, MO-KS | 5 | $ 1,093,000 | $ 218,600 | $ 103,000 |
| State College, PA | 5 | $ 883,000 | $ 176,600 | $ 72,000 |
| Valdosta, GA | 5 | $ 757,000 | $ 151,400 | $ 64,000 |
| Wichita, KS | 5 | $ 902,000 | $ 180,400 | $ 130,000 |
| Alexandria, LA | 4 | $ 527,000 | $ 131,750 | $ 51,000 |
| Ames, IA | 4 | $ 1,329,000 | $ 332,250 | $ 146,000 |
| Bowling Green, KY | 4 | $ 920,000 | $ 230,000 | $ 75,000 |
| Champaign-Urbana, IL | 4 | $ 897,000 | $ 224,250 | $ 84,000 |
| Cleveland, TN | 4 | $ 712,000 | $ 178,000 | $ 63,000 |
| Dutchess County-Putnam County, NY | 4 | $ 1,069,000 | $ 267,250 | $ 99,000 |
| Grand Island, NE | 4 | $ 463,000 | $ 115,750 | $ 27,000 |
| Green Bay, WI | 4 | $ 1,087,000 | $ 271,750 | $ 97,000 |
| Monroe, LA | 4 | $ 764,000 | $ 191,000 | $ 71,000 |
| Oshkosh-Neenah, WI | 4 | $ 815,000 | $ 203,750 | $ 120,000 |
| Pocatello, ID | 4 | $ 716,000 | $ 179,000 | $ 47,000 |
| Terre Haute, IN | 4 | $ 660,000 | $ 165,000 | $ 134,000 |
| Vineland-Bridgeton, NJ | 4 | $ 666,000 | $ 166,500 | $ 74,000 |
| Anchorage, AK | 3 | $ 402,000 | $ 134,000 | $ 343,000 |
| Bloomsburg-Berwick, PA | 3 | $ 820,000 | $ 273,333 | $ 103,000 |
| Hattiesburg, MS | 3 | $ 1,271,000 | $ 423,666 | $ 234,000 |
| Hinesville, GA | 3 | $ 386,000 | $ 128,666 | $ 46,000 |
| Michigan City-La Porte, IN | 3 | $ 594,000 | $ 198,000 | $ 86,000 |
| Racine, WI | 3 | $ 684,000 | $ 228,000 | $ 105,000 |
| Saginaw, MI | 3 | $ 563,000 | $ 187,666 | $ 137,000 |
| Syracuse, NY | 3 | $ 540,000 | $ 180,000 | $ 102,000 |
| Utica-Rome, NY | 3 | $ 394,000 | $ 131,333 | $ 90,000 |
| Worcester, MA-CT | 3 | $ 620,000 | $ 206,666 | $ 83,000 |
| Altoona, PA | 2 | $ 285,000 | $ 142,500 | $ 187,000 |
| Battle Creek, MI | 2 | $ 237,000 | $ 118,500 | $ 83,000 |
| Cedar Rapids, IA | 2 | $ 425,000 | $ 212,500 | $ 138,000 |
| Charleston, WV | 2 | $ 450,000 | $ 225,000 | $ 79,000 |
| Cumberland, MD-WV | 2 | $ 265,000 | $ 132,500 | $ 47,000 |
| Duluth, MN-WI | 2 | $ 384,000 | $ 192,000 | $ 102,500 |
| Elizabethtown-Fort Knox, KY | 2 | $ 316,000 | $ 158,000 | $ 152,000 |
| Elkhart-Goshen, IN | 2 | $ 344,000 | $ 172,000 | $ 103,000 |
| Fond Du Lac, WI | 2 | $ 496,000 | $ 248,000 | $ 85,000 |
| Goldsboro, NC | 2 | $ 338,000 | $ 169,000 | $ 55,000 |
| Iowa City, IA | 2 | $ 358,000 | $ 179,000 | $ 79,000 |
| Janesville-Beloit, WI | 2 | $ 401,000 | $ 200,500 | $ 63,000 |
| Johnstown, PA | 2 | $ 520,000 | $ 260,000 | $ 87,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 865,000 | $ 432,500 | $ 146,000 |
| Kankakee, IL | 2 | $ 252,000 | $ 126,000 | $ 48,000 |
| Lafayette-West Lafayette, IN | 2 | $ 427,000 | $ 213,500 | $ 107,000 |
| Lawrence, KS | 2 | $ 508,000 | $ 254,000 | $ 155,000 |
| Mansfield, OH | 2 | $ 373,000 | $ 186,500 | $ 98,000 |
| Rockford, IL | 2 | $ 441,000 | $ 220,500 | $ 96,000 |
| St. Cloud, MN | 2 | $ 921,000 | $ 460,500 | $ 123,000 |
| Wausau, WI | 2 | $ 344,000 | $ 172,000 | $ 95,000 |
| Wheeling, WV-OH | 2 | $ 564,000 | $ 282,000 | $ 122,000 |
| Bay City, MI | 1 | $ 125,000 | $ 125,000 | $ 244,000 |
| Beckley, WV | 1 | $ 177,000 | $ 177,000 | $ 67,000 |
| Bloomington, IL | 1 | $ 136,000 | $ 136,000 | $ 75,000 |
| Carbondale-Marion, IL | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Danville, IL | 1 | $ 112,000 | $ 112,000 | $ 80,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 332,000 | $ 332,000 | $ 160,000 |
| Decatur, IL | 1 | $ 137,000 | $ 137,000 | $ 98,000 |
| Gadsden, AL | 1 | $ 103,000 | $ 103,000 | $ 43,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Kingston, NY | 1 | $ 270,000 | $ 270,000 | $ 177,000 |
| Lawton, OK | 1 | $ 386,000 | $ 386,000 | $ 91,000 |
| Manhattan, KS | 1 | $ 230,000 | $ 230,000 | $ 66,000 |
| Muncie, IN | 1 | $ 207,000 | $ 207,000 | $ 259,000 |
| Muskegon, MI | 1 | $ 133,000 | $ 133,000 | $ 27,000 |
| Owensboro, KY | 1 | $ 300,000 | $ 300,000 | $ 513,000 |
| Parkersburg-Vienna, WV | 1 | $ 280,000 | $ 280,000 | $ 121,000 |
| Pine Bluff, AR | 1 | $ 131,000 | $ 131,000 | $ 54,000 |
| Springfield, OH | 1 | $ 265,000 | $ 265,000 | $ 118,000 |
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.
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