Cardinal Financial Company, Li Mortgage Lending & HMDA Data, 2018
In 2018, Cardinal Financial Company, Li of Charlotte, NC reported 55,425 mortgage applications totaling $13.6 billion, up 65% from 2017. The average application was for $244,797, and applicants reported an average income of $100,976. 39% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,531), Dallas-Plano-Irving, TX (2,452) and Atlanta-Sandy Springs-Roswell, GA (1,815) (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 | 55,425 |
| Total Mortgage Loan Application Amount | $13,567,895,000 |
| Average Mortgage Loan Application Amount | $244,797 |
| Highest Mortgage Loan Application Amount | $40,005,000 |
| Average Applicant Income | $100,976 |
| Highest Applicant Income | $7,200,000 |
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records Cardinal Financial Company, Li filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 4,318 | $ 789,420,000 | $ 182,820 | $ 85,888 |
| Phoenix-Mesa-Scottsdale, AZ | 2,531 | $ 597,145,000 | $ 235,932 | $ 95,000 |
| Dallas-Plano-Irving, TX | 2,452 | $ 578,060,000 | $ 235,750 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,815 | $ 403,865,000 | $ 222,515 | $ 102,000 |
| Fort Worth-Arlington, TX | 1,753 | $ 358,885,000 | $ 204,726 | $ 93,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,729 | $ 370,495,000 | $ 214,282 | $ 115,000 |
| Las Vegas-Henderson-Paradise, NV | 1,667 | $ 424,995,000 | $ 254,946 | $ 102,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,461 | $ 511,655,000 | $ 350,208 | $ 120,594 |
| Tampa-St. Petersburg-Clearwater, FL | 1,361 | $ 302,965,000 | $ 222,604 | $ 96,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1,281 | $ 285,585,000 | $ 222,939 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,235 | $ 539,435,000 | $ 436,789 | $ 120,000 |
| Denver-Aurora-Lakewood, CO | 899 | $ 282,955,000 | $ 314,744 | $ 115,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 880 | $ 201,810,000 | $ 229,329 | $ 86,073 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 842 | $ 199,380,000 | $ 236,793 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 834 | $ 184,950,000 | $ 221,762 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 827 | $ 243,565,000 | $ 294,516 | $ 96,000 |
| Seattle-Bellevue-Everett, WA | 774 | $ 287,340,000 | $ 371,240 | $ 133,000 |
| Baltimore-Columbia-Towson, MD | 641 | $ 178,145,000 | $ 277,917 | $ 102,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 629 | $ 182,015,000 | $ 289,372 | $ 103,392 |
| Sacramento--Roseville--Arden-Arcade, CA | 600 | $ 191,690,000 | $ 319,483 | $ 110,000 |
| New York-Jersey City-White Plains, NY-NJ | 568 | $ 188,880,000 | $ 332,535 | $ 142,704 |
| San Antonio-New Braunfels, TX | 559 | $ 106,825,000 | $ 191,100 | $ 96,000 |
| Raleigh, NC | 550 | $ 135,340,000 | $ 246,072 | $ 98,000 |
| Chicago-Naperville-Arlington Heights, IL | 548 | $ 143,180,000 | $ 261,277 | $ 130,000 |
| Austin-Round Rock, TX | 545 | $ 134,245,000 | $ 246,321 | $ 113,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 513 | $ 123,305,000 | $ 240,360 | $ 102,000 |
| Miami-Miami Beach-Kendall, FL | 493 | $ 127,335,000 | $ 258,286 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 491 | $ 117,985,000 | $ 240,295 | $ 95,000 |
| San Diego-Carlsbad, CA | 483 | $ 210,275,000 | $ 435,351 | $ 137,000 |
| Jacksonville, FL | 482 | $ 100,700,000 | $ 208,921 | $ 94,000 |
| Oakland-Hayward-Berkeley, CA | 429 | $ 194,755,000 | $ 453,974 | $ 143,000 |
| Silver Spring-Frederick-Rockville, MD | 413 | $ 147,605,000 | $ 357,397 | $ 125,000 |
| Colorado Springs, CO | 381 | $ 95,795,000 | $ 251,430 | $ 84,000 |
| Salt Lake City, UT | 378 | $ 109,140,000 | $ 288,730 | $ 103,000 |
| Tacoma-Lakewood, WA | 353 | $ 96,505,000 | $ 273,385 | $ 97,000 |
| Tucson, AZ | 348 | $ 69,560,000 | $ 199,885 | $ 97,000 |
| Anaheim-Santa Ana-Irvine, CA | 337 | $ 163,835,000 | $ 486,157 | $ 147,000 |
| Warren-Troy-Farmington Hills, MI | 332 | $ 69,530,000 | $ 209,427 | $ 98,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 313 | $ 69,695,000 | $ 222,667 | $ 85,492 |
| Milwaukee-Waukesha-West Allis, WI | 302 | $ 59,830,000 | $ 198,112 | $ 92,000 |
| Knoxville, TN | 278 | $ 49,330,000 | $ 177,446 | $ 76,000 |
| Richmond, VA | 278 | $ 62,030,000 | $ 223,129 | $ 97,000 |
| Montgomery County-Bucks County-Chester County, PA | 274 | $ 73,440,000 | $ 268,029 | $ 129,000 |
| Newark, NJ-PA | 274 | $ 84,640,000 | $ 308,905 | $ 125,390 |
| North Port-Sarasota-Bradenton, FL | 271 | $ 59,085,000 | $ 218,025 | $ 85,000 |
| Greenville-Anderson-Mauldin, SC | 261 | $ 46,115,000 | $ 176,685 | $ 72,000 |
| Port St. Lucie, FL | 251 | $ 49,235,000 | $ 196,155 | $ 79,000 |
| St. Louis, MO-IL | 251 | $ 48,525,000 | $ 193,326 | $ 113,147 |
| Cape Coral-Fort Myers, FL | 245 | $ 48,845,000 | $ 199,367 | $ 102,000 |
| Philadelphia, PA | 243 | $ 49,225,000 | $ 202,572 | $ 98,000 |
| Reno, NV | 239 | $ 67,875,000 | $ 283,995 | $ 106,000 |
| Albuquerque, NM | 235 | $ 49,605,000 | $ 211,085 | $ 90,000 |
| Palm Bay-Melbourne-Titusville, FL | 212 | $ 44,120,000 | $ 208,113 | $ 96,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 211 | $ 38,015,000 | $ 180,165 | $ 76,000 |
| Charleston-North Charleston, SC | 210 | $ 47,890,000 | $ 228,047 | $ 80,000 |
| Lubbock, TX | 204 | $ 37,530,000 | $ 183,970 | $ 96,000 |
| Chattanooga, TN-GA | 203 | $ 37,045,000 | $ 182,487 | $ 78,261 |
| Cincinnati, OH-KY-IN | 198 | $ 36,990,000 | $ 186,818 | $ 96,858 |
| Lakeland-Winter Haven, FL | 196 | $ 32,350,000 | $ 165,051 | $ 76,000 |
| Pittsburgh, PA | 196 | $ 33,840,000 | $ 172,653 | $ 83,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 196 | $ 100,180,000 | $ 511,122 | $ 155,000 |
| Durham-Chapel Hill, NC | 182 | $ 41,820,000 | $ 229,780 | $ 102,000 |
| Ogden-Clearfield, UT | 170 | $ 43,290,000 | $ 254,647 | $ 84,000 |
| Winston-Salem, NC | 170 | $ 27,810,000 | $ 163,588 | $ 75,000 |
| Asheville, NC | 163 | $ 36,675,000 | $ 225,000 | $ 76,000 |
| Kansas City, MO-KS | 163 | $ 34,195,000 | $ 209,785 | $ 98,226 |
| Boise City, ID | 154 | $ 37,230,000 | $ 241,753 | $ 98,000 |
| Columbus, OH | 151 | $ 33,515,000 | $ 221,953 | $ 106,000 |
| Greensboro-High Point, NC | 150 | $ 25,680,000 | $ 171,200 | $ 78,000 |
| Detroit-Dearborn-Livonia, MI | 147 | $ 22,615,000 | $ 153,843 | $ 90,000 |
| Stockton-Lodi, CA | 140 | $ 38,150,000 | $ 272,500 | $ 109,000 |
| Prescott, AZ | 139 | $ 28,615,000 | $ 205,863 | $ 86,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 138 | $ 28,560,000 | $ 206,956 | $ 90,137 |
| Provo-Orem, UT | 138 | $ 37,470,000 | $ 271,521 | $ 91,000 |
| Birmingham-Hoover, AL | 137 | $ 28,765,000 | $ 209,963 | $ 96,000 |
| Spokane-Spokane Valley, WA | 137 | $ 30,125,000 | $ 219,890 | $ 98,000 |
| Memphis, TN-MS-AR | 136 | $ 25,290,000 | $ 185,955 | $ 93,941 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 136 | $ 27,890,000 | $ 205,073 | $ 105,000 |
| Indianapolis-Carmel-Anderson, IN | 131 | $ 24,995,000 | $ 190,801 | $ 94,000 |
| Wilmington, DE-MD-NJ | 131 | $ 32,305,000 | $ 246,603 | $ 103,488 |
| El Paso, TX | 124 | $ 20,340,000 | $ 164,032 | $ 82,000 |
| Hickory-Lenoir-Morganton, NC | 124 | $ 19,580,000 | $ 157,903 | $ 71,000 |
| Fresno, CA | 123 | $ 27,925,000 | $ 227,032 | $ 85,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 123 | $ 53,705,000 | $ 436,626 | $ 146,000 |
| Lynchburg, VA | 121 | $ 22,695,000 | $ 187,561 | $ 79,000 |
| Columbia, SC | 117 | $ 20,965,000 | $ 179,188 | $ 90,000 |
| Merced, CA | 117 | $ 28,645,000 | $ 244,829 | $ 96,000 |
| Vallejo-Fairfield, CA | 117 | $ 40,975,000 | $ 350,213 | $ 105,000 |
| New Orleans-Metairie, LA | 112 | $ 24,550,000 | $ 219,196 | $ 110,000 |
| San Francisco-Redwood City-South San Francisco, CA | 111 | $ 60,315,000 | $ 543,378 | $ 160,000 |
| Camden, NJ | 108 | $ 23,560,000 | $ 218,148 | $ 97,000 |
| Santa Rosa, CA | 108 | $ 44,530,000 | $ 412,314 | $ 121,000 |
| Bakersfield, CA | 105 | $ 22,025,000 | $ 209,761 | $ 90,000 |
| McAllen-Edinburg-Mission, TX | 105 | $ 14,215,000 | $ 135,380 | $ 82,000 |
| Naples-Immokalee-Marco Island, FL | 102 | $ 30,160,000 | $ 295,686 | $ 125,000 |
| Greeley, CO | 100 | $ 26,810,000 | $ 268,100 | $ 87,000 |
| Salem, OR | 98 | $ 24,280,000 | $ 247,755 | $ 96,000 |
| Cleveland-Elyria, OH | 97 | $ 17,935,000 | $ 184,896 | $ 97,000 |
| Modesto, CA | 93 | $ 24,045,000 | $ 258,548 | $ 91,000 |
| Kingsport-Bristol-Bristol, TN-VA | 90 | $ 12,830,000 | $ 142,555 | $ 67,111 |
| Lake Havasu City-Kingman, AZ | 90 | $ 16,610,000 | $ 184,555 | $ 100,000 |
| Ocala, FL | 90 | $ 13,820,000 | $ 153,555 | $ 61,000 |
| Pensacola-Ferry Pass-Brent, FL | 90 | $ 16,880,000 | $ 187,555 | $ 75,000 |
| Johnson City, TN | 86 | $ 12,470,000 | $ 145,000 | $ 64,000 |
| Omaha-Council Bluffs, NE-IA | 86 | $ 14,690,000 | $ 170,813 | $ 105,697 |
| Corpus Christi, TX | 84 | $ 13,940,000 | $ 165,952 | $ 97,000 |
| Fort Collins, CO | 84 | $ 22,330,000 | $ 265,833 | $ 115,000 |
| Nassau County-Suffolk County, NY | 84 | $ 30,390,000 | $ 361,785 | $ 139,000 |
| Crestview-Fort Walton Beach-Destin, FL | 83 | $ 22,105,000 | $ 266,325 | $ 116,000 |
| Olympia-Tumwater, WA | 83 | $ 21,885,000 | $ 263,674 | $ 91,000 |
| Spartanburg, SC | 81 | $ 14,705,000 | $ 181,543 | $ 80,000 |
| Bremerton-Silverdale, WA | 79 | $ 22,985,000 | $ 290,949 | $ 98,000 |
| Augusta-Richmond County, GA-SC | 78 | $ 14,210,000 | $ 182,179 | $ 90,666 |
| Baton Rouge, LA | 77 | $ 16,465,000 | $ 213,831 | $ 94,000 |
| Louisville/Jefferson County, KY-IN | 76 | $ 18,340,000 | $ 241,315 | $ 105,473 |
| Oklahoma City, OK | 76 | $ 19,060,000 | $ 250,789 | $ 152,000 |
| Savannah, GA | 76 | $ 14,250,000 | $ 187,500 | $ 84,000 |
| Wilmington, NC | 76 | $ 15,670,000 | $ 206,184 | $ 92,000 |
| Grand Rapids-Wyoming, MI | 75 | $ 11,825,000 | $ 157,666 | $ 68,000 |
| Kennewick-Richland, WA | 73 | $ 15,135,000 | $ 207,328 | $ 87,000 |
| Lake County-Kenosha County, IL-WI | 73 | $ 18,075,000 | $ 247,602 | $ 132,890 |
| Salisbury, MD-DE | 73 | $ 17,185,000 | $ 235,410 | $ 131,027 |
| Boulder, CO | 72 | $ 25,600,000 | $ 355,555 | $ 161,000 |
| Eugene, OR | 71 | $ 16,145,000 | $ 227,394 | $ 77,000 |
| Punta Gorda, FL | 68 | $ 13,270,000 | $ 195,147 | $ 109,000 |
| Fayetteville, NC | 67 | $ 10,085,000 | $ 150,522 | $ 68,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 66 | $ 16,360,000 | $ 247,878 | $ 130,787 |
| Gainesville, FL | 65 | $ 11,985,000 | $ 184,384 | $ 84,000 |
| Elgin, IL | 64 | $ 14,680,000 | $ 229,375 | $ 107,000 |
| Killeen-Temple, TX | 61 | $ 9,525,000 | $ 156,147 | $ 73,000 |
| St. George, UT | 61 | $ 15,605,000 | $ 255,819 | $ 99,000 |
| Tallahassee, FL | 61 | $ 11,125,000 | $ 182,377 | $ 75,000 |
| Bend-Redmond, OR | 60 | $ 16,770,000 | $ 279,500 | $ 98,000 |
| Harrisburg-Carlisle, PA | 60 | $ 10,720,000 | $ 178,666 | $ 110,000 |
| Green Bay, WI | 59 | $ 9,215,000 | $ 156,186 | $ 73,000 |
| Little Rock-North Little Rock-Conway, AR | 57 | $ 9,895,000 | $ 173,596 | $ 86,000 |
| Providence-Warwick, RI-MA | 57 | $ 15,505,000 | $ 272,017 | $ 133,157 |
| Gainesville, GA | 54 | $ 10,960,000 | $ 202,962 | $ 81,000 |
| Flagstaff, AZ | 53 | $ 12,605,000 | $ 237,830 | $ 96,000 |
| Lansing-East Lansing, MI | 53 | $ 8,005,000 | $ 151,037 | $ 66,000 |
| Beaumont-Port Arthur, TX | 52 | $ 6,920,000 | $ 133,076 | $ 127,000 |
| Davenport-Moline-Rock Island, IA-IL | 52 | $ 8,370,000 | $ 160,961 | $ 69,846 |
| Pueblo, CO | 51 | $ 8,365,000 | $ 164,019 | $ 74,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 51 | $ 7,615,000 | $ 149,313 | $ 80,000 |
| Homosassa Springs, FL | 50 | $ 6,450,000 | $ 129,000 | $ 56,000 |
| Madison, WI | 50 | $ 12,260,000 | $ 245,200 | $ 95,000 |
| Sherman-Denison, TX | 49 | $ 9,215,000 | $ 188,061 | $ 85,000 |
| Brownsville-Harlingen, TX | 48 | $ 7,210,000 | $ 150,208 | $ 110,000 |
| Salinas, CA | 48 | $ 18,690,000 | $ 389,375 | $ 125,000 |
| Bellingham, WA | 47 | $ 14,365,000 | $ 305,638 | $ 153,000 |
| Hartford-West Hartford-East Hartford, CT | 47 | $ 9,485,000 | $ 201,808 | $ 115,000 |
| Huntsville, AL | 46 | $ 8,880,000 | $ 193,043 | $ 86,000 |
| Tulsa, OK | 44 | $ 10,540,000 | $ 239,545 | $ 137,000 |
| Yakima, WA | 44 | $ 8,310,000 | $ 188,863 | $ 84,000 |
| Dayton, OH | 43 | $ 8,865,000 | $ 206,162 | $ 102,000 |
| Medford, OR | 43 | $ 10,195,000 | $ 237,093 | $ 83,000 |
| Waco, TX | 43 | $ 6,495,000 | $ 151,046 | $ 79,000 |
| Charlottesville, VA | 42 | $ 10,740,000 | $ 255,714 | $ 97,000 |
| Visalia-Porterville, CA | 42 | $ 8,500,000 | $ 202,380 | $ 86,000 |
| Greenville, NC | 41 | $ 7,765,000 | $ 189,390 | $ 94,000 |
| Grand Junction, CO | 40 | $ 7,690,000 | $ 192,250 | $ 89,000 |
| Atlantic City-Hammonton, NJ | 39 | $ 6,595,000 | $ 169,102 | $ 115,000 |
| Gary, IN | 39 | $ 7,365,000 | $ 188,846 | $ 93,000 |
| Mankato-North Mankato, MN | 39 | $ 8,175,000 | $ 209,615 | $ 97,000 |
| Midland, TX | 38 | $ 7,200,000 | $ 189,473 | $ 110,000 |
| Sebastian-Vero Beach, FL | 38 | $ 7,190,000 | $ 189,210 | $ 76,000 |
| Trenton, NJ | 38 | $ 9,600,000 | $ 252,631 | $ 121,000 |
| Akron, OH | 37 | $ 6,695,000 | $ 180,945 | $ 84,000 |
| Coeur D'Alene, ID | 37 | $ 9,875,000 | $ 266,891 | $ 90,000 |
| East Stroudsburg, PA | 37 | $ 6,155,000 | $ 166,351 | $ 80,000 |
| Panama City, FL | 37 | $ 7,835,000 | $ 211,756 | $ 100,000 |
| Racine, WI | 37 | $ 6,165,000 | $ 166,621 | $ 87,000 |
| York-Hanover, PA | 37 | $ 6,195,000 | $ 167,432 | $ 82,000 |
| Columbus, GA-AL | 36 | $ 5,850,000 | $ 162,500 | $ 78,583 |
| Des Moines-West Des Moines, IA | 36 | $ 7,040,000 | $ 195,555 | $ 88,000 |
| Lancaster, PA | 36 | $ 6,680,000 | $ 185,555 | $ 74,000 |
| Shreveport-Bossier City, LA | 36 | $ 6,050,000 | $ 168,055 | $ 86,000 |
| Clarksville, TN-KY | 35 | $ 6,795,000 | $ 194,142 | $ 64,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 35 | $ 9,345,000 | $ 267,000 | $ 113,000 |
| New Haven-Milford, CT | 35 | $ 8,505,000 | $ 243,000 | $ 141,000 |
| Portland-South Portland, ME | 35 | $ 10,135,000 | $ 289,571 | $ 149,000 |
| Ann Arbor, MI | 34 | $ 7,400,000 | $ 217,647 | $ 94,000 |
| Cleveland, TN | 34 | $ 5,950,000 | $ 175,000 | $ 80,000 |
| Ocean City, NJ | 34 | $ 8,290,000 | $ 243,823 | $ 118,000 |
| Odessa, TX | 34 | $ 6,250,000 | $ 183,823 | $ 79,000 |
| Tyler, TX | 34 | $ 6,960,000 | $ 204,705 | $ 93,000 |
| Yuma, AZ | 34 | $ 5,980,000 | $ 175,882 | $ 98,000 |
| Amarillo, TX | 33 | $ 4,765,000 | $ 144,393 | $ 81,000 |
| Cedar Rapids, IA | 33 | $ 4,415,000 | $ 133,787 | $ 66,000 |
| Chico, CA | 33 | $ 7,975,000 | $ 241,666 | $ 106,000 |
| Reading, PA | 33 | $ 6,775,000 | $ 205,303 | $ 84,000 |
| Roanoke, VA | 33 | $ 6,655,000 | $ 201,666 | $ 89,000 |
| Santa Maria-Santa Barbara, CA | 33 | $ 11,845,000 | $ 358,939 | $ 104,000 |
| Wenatchee, WA | 33 | $ 8,815,000 | $ 267,121 | $ 93,000 |
| Burlington, NC | 32 | $ 5,840,000 | $ 182,500 | $ 82,000 |
| New Bern, NC | 32 | $ 5,730,000 | $ 179,062 | $ 110,000 |
| Yuba City, CA | 32 | $ 8,200,000 | $ 256,250 | $ 87,000 |
| Bridgeport-Stamford-Norwalk, CT | 31 | $ 9,795,000 | $ 315,967 | $ 140,000 |
| Lafayette, LA | 31 | $ 5,905,000 | $ 190,483 | $ 75,000 |
| Las Cruces, NM | 31 | $ 4,625,000 | $ 149,193 | $ 83,000 |
| Montgomery, AL | 31 | $ 4,815,000 | $ 155,322 | $ 67,000 |
| San Rafael, CA | 31 | $ 18,925,000 | $ 610,483 | $ 167,000 |
| Winchester, VA-WV | 31 | $ 7,155,000 | $ 230,806 | $ 74,000 |
| Dalton, GA | 30 | $ 3,870,000 | $ 129,000 | $ 55,000 |
| Longview, TX | 30 | $ 4,330,000 | $ 144,333 | $ 104,000 |
| Abilene, TX | 28 | $ 5,160,000 | $ 184,285 | $ 116,000 |
| Dover, DE | 28 | $ 7,080,000 | $ 252,857 | $ 97,000 |
| Florence, SC | 28 | $ 5,210,000 | $ 186,071 | $ 175,000 |
| Morristown, TN | 27 | $ 4,145,000 | $ 153,518 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 27 | $ 13,475,000 | $ 499,074 | $ 158,000 |
| Sioux Falls, SD | 27 | $ 4,685,000 | $ 173,518 | $ 73,000 |
| Springfield, MO | 27 | $ 3,815,000 | $ 141,296 | $ 59,000 |
| Youngstown-Warren-Boardman, OH-PA | 27 | $ 3,045,000 | $ 112,777 | $ 71,888 |
| Daphne-Fairhope-Foley, AL | 26 | $ 6,040,000 | $ 232,307 | $ 93,000 |
| Hagerstown-Martinsburg, MD-WV | 26 | $ 5,500,000 | $ 211,538 | $ 85,384 |
| Hanford-Corcoran, CA | 26 | $ 5,650,000 | $ 217,307 | $ 128,000 |
| Mobile, AL | 26 | $ 4,180,000 | $ 160,769 | $ 79,000 |
| Redding, CA | 26 | $ 5,060,000 | $ 194,615 | $ 84,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 26 | $ 10,480,000 | $ 403,076 | $ 154,000 |
| College Station-Bryan, TX | 25 | $ 3,955,000 | $ 158,200 | $ 82,000 |
| Mount Vernon-Anacortes, WA | 25 | $ 7,255,000 | $ 290,200 | $ 101,000 |
| Rockingham County-Strafford County, NH | 25 | $ 7,745,000 | $ 309,800 | $ 148,000 |
| The Villages, FL | 25 | $ 4,385,000 | $ 175,400 | $ 76,000 |
| Warner Robins, GA | 25 | $ 4,415,000 | $ 176,600 | $ 82,000 |
| El Centro, CA | 24 | $ 5,050,000 | $ 210,416 | $ 84,000 |
| Janesville-Beloit, WI | 24 | $ 3,600,000 | $ 150,000 | $ 58,000 |
| Longview, WA | 24 | $ 4,670,000 | $ 194,583 | $ 67,000 |
| Madera, CA | 24 | $ 5,620,000 | $ 234,166 | $ 106,000 |
| Santa Fe, NM | 24 | $ 5,500,000 | $ 229,166 | $ 96,000 |
| Sierra Vista-Douglas, AZ | 24 | $ 4,080,000 | $ 170,000 | $ 52,000 |
| Athens-Clarke County, GA | 23 | $ 3,535,000 | $ 153,695 | $ 68,000 |
| Flint, MI | 23 | $ 3,375,000 | $ 146,739 | $ 82,000 |
| Manchester-Nashua, NH | 23 | $ 5,665,000 | $ 246,304 | $ 150,000 |
| Tuscaloosa, AL | 23 | $ 3,765,000 | $ 163,695 | $ 88,000 |
| Wichita, KS | 23 | $ 3,845,000 | $ 167,173 | $ 85,000 |
| Albany, OR | 22 | $ 3,940,000 | $ 179,090 | $ 77,000 |
| Blacksburg-Christiansburg-Radford, VA | 22 | $ 4,490,000 | $ 204,090 | $ 94,000 |
| Jacksonville, NC | 22 | $ 4,220,000 | $ 191,818 | $ 82,000 |
| Kalamazoo-Portage, MI | 22 | $ 4,340,000 | $ 197,272 | $ 161,000 |
| Toledo, OH | 22 | $ 4,250,000 | $ 193,181 | $ 107,000 |
| Brunswick, GA | 21 | $ 5,375,000 | $ 255,952 | $ 160,000 |
| Carson City, NV | 21 | $ 5,445,000 | $ 259,285 | $ 86,000 |
| Fond Du Lac, WI | 21 | $ 3,255,000 | $ 155,000 | $ 74,000 |
| Goldsboro, NC | 21 | $ 3,315,000 | $ 157,857 | $ 81,000 |
| Laredo, TX | 21 | $ 3,615,000 | $ 172,142 | $ 101,000 |
| Macon-Bibb County, GA | 21 | $ 2,715,000 | $ 129,285 | $ 58,000 |
| Missoula, MT | 21 | $ 6,045,000 | $ 287,857 | $ 96,000 |
| Oshkosh-Neenah, WI | 21 | $ 2,635,000 | $ 125,476 | $ 69,000 |
| Rochester, MN | 21 | $ 3,985,000 | $ 189,761 | $ 78,000 |
| San Angelo, TX | 21 | $ 3,015,000 | $ 143,571 | $ 58,000 |
| Grants Pass, OR | 20 | $ 4,740,000 | $ 237,000 | $ 73,000 |
| Jackson, MI | 20 | $ 2,910,000 | $ 145,500 | $ 59,000 |
| Urban Honolulu, HI | 20 | $ 10,890,000 | $ 544,500 | $ 163,000 |
| Appleton, WI | 19 | $ 3,245,000 | $ 170,789 | $ 84,000 |
| Muskegon, MI | 19 | $ 2,055,000 | $ 108,157 | $ 52,000 |
| Rocky Mount, NC | 19 | $ 3,385,000 | $ 178,157 | $ 107,000 |
| Sebring, FL | 19 | $ 2,415,000 | $ 127,105 | $ 48,000 |
| Texarkana, TX-AR | 19 | $ 2,785,000 | $ 146,578 | $ 76,421 |
| Albany, GA | 18 | $ 2,730,000 | $ 151,666 | $ 52,000 |
| Chambersburg-Waynesboro, PA | 18 | $ 3,050,000 | $ 169,444 | $ 71,000 |
| Logan, UT-ID | 18 | $ 3,580,000 | $ 198,888 | $ 64,111 |
| Valdosta, GA | 18 | $ 2,850,000 | $ 158,333 | $ 55,000 |
| Billings, MT | 17 | $ 4,045,000 | $ 237,941 | $ 75,000 |
| Corvallis, OR | 17 | $ 4,755,000 | $ 279,705 | $ 98,000 |
| Canton-Massillon, OH | 16 | $ 3,350,000 | $ 209,375 | $ 96,000 |
| Cheyenne, WY | 16 | $ 4,670,000 | $ 291,875 | $ 93,000 |
| Columbia, MO | 16 | $ 3,210,000 | $ 200,625 | $ 85,000 |
| Duluth, MN-WI | 16 | $ 3,040,000 | $ 190,000 | $ 83,000 |
| Fort Smith, AR-OK | 16 | $ 3,060,000 | $ 191,250 | $ 125,625 |
| Fort Wayne, IN | 16 | $ 2,830,000 | $ 176,875 | $ 77,000 |
| Lexington-Fayette, KY | 15 | $ 3,675,000 | $ 245,000 | $ 109,000 |
| Monroe, MI | 15 | $ 2,045,000 | $ 136,333 | $ 53,000 |
| Napa, CA | 15 | $ 5,755,000 | $ 383,666 | $ 116,000 |
| Staunton-Waynesboro, VA | 15 | $ 2,835,000 | $ 189,000 | $ 113,000 |
| Burlington-South Burlington, VT | 14 | $ 4,640,000 | $ 331,428 | $ 188,000 |
| Jackson, MS | 14 | $ 2,460,000 | $ 175,714 | $ 79,000 |
| Lincoln, NE | 14 | $ 2,610,000 | $ 186,428 | $ 139,000 |
| California-Lexington Park, MD | 13 | $ 3,315,000 | $ 255,000 | $ 102,000 |
| Farmington, NM | 13 | $ 2,225,000 | $ 171,153 | $ 101,000 |
| Hinesville, GA | 13 | $ 1,815,000 | $ 139,615 | $ 56,000 |
| Jackson, TN | 13 | $ 1,605,000 | $ 123,461 | $ 50,000 |
| Joplin, MO | 13 | $ 1,825,000 | $ 140,384 | $ 69,000 |
| Rapid City, SD | 13 | $ 2,585,000 | $ 198,846 | $ 99,000 |
| St. Cloud, MN | 13 | $ 2,385,000 | $ 183,461 | $ 76,000 |
| State College, PA | 13 | $ 2,955,000 | $ 227,307 | $ 108,000 |
| Sumter, SC | 13 | $ 1,735,000 | $ 133,461 | $ 59,000 |
| Twin Falls, ID | 13 | $ 2,085,000 | $ 160,384 | $ 60,000 |
| Bismarck, ND | 12 | $ 3,020,000 | $ 251,666 | $ 99,000 |
| Erie, PA | 12 | $ 1,850,000 | $ 154,166 | $ 103,000 |
| Wichita Falls, TX | 12 | $ 1,220,000 | $ 101,666 | $ 72,000 |
| Auburn-Opelika, AL | 11 | $ 2,975,000 | $ 270,454 | $ 103,000 |
| Evansville, IN-KY | 11 | $ 2,015,000 | $ 183,181 | $ 75,727 |
| Fargo, ND-MN | 11 | $ 1,965,000 | $ 178,636 | $ 61,545 |
| Monroe, LA | 11 | $ 1,925,000 | $ 175,000 | $ 74,000 |
| Niles-Benton Harbor, MI | 11 | $ 2,255,000 | $ 205,000 | $ 100,000 |
| Casper, WY | 10 | $ 2,170,000 | $ 217,000 | $ 78,000 |
| Dothan, AL | 10 | $ 1,590,000 | $ 159,000 | $ 59,000 |
| Hammond, LA | 10 | $ 2,100,000 | $ 210,000 | $ 96,000 |
| Idaho Falls, ID | 10 | $ 2,090,000 | $ 209,000 | $ 65,000 |
| Lebanon, PA | 10 | $ 1,360,000 | $ 136,000 | $ 51,000 |
| Battle Creek, MI | 9 | $ 1,195,000 | $ 132,777 | $ 60,000 |
| Bloomsburg-Berwick, PA | 9 | $ 1,315,000 | $ 146,111 | $ 53,000 |
| Cape Girardeau, MO-IL | 9 | $ 1,725,000 | $ 191,666 | $ 142,000 |
| Gettysburg, PA | 9 | $ 1,675,000 | $ 186,111 | $ 125,000 |
| Great Falls, MT | 9 | $ 1,195,000 | $ 132,777 | $ 53,000 |
| Houma-Thibodaux, LA | 9 | $ 1,655,000 | $ 183,888 | $ 82,000 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 1,395,000 | $ 155,000 | $ 78,444 |
| Lake Charles, LA | 9 | $ 1,575,000 | $ 175,000 | $ 101,000 |
| Pocatello, ID | 9 | $ 1,685,000 | $ 187,222 | $ 66,000 |
| Saginaw, MI | 9 | $ 785,000 | $ 87,222 | $ 35,000 |
| Sheboygan, WI | 9 | $ 1,725,000 | $ 191,666 | $ 137,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 1,595,000 | $ 177,222 | $ 78,000 |
| Walla Walla, WA | 9 | $ 1,605,000 | $ 178,333 | $ 43,000 |
| Anniston-Oxford-Jacksonville, AL | 8 | $ 790,000 | $ 98,750 | $ 56,000 |
| Bloomington, IN | 8 | $ 1,670,000 | $ 208,750 | $ 100,000 |
| Elkhart-Goshen, IN | 8 | $ 1,790,000 | $ 223,750 | $ 56,000 |
| Grand Forks, ND-MN | 8 | $ 1,500,000 | $ 187,500 | $ 92,500 |
| Iowa City, IA | 8 | $ 2,210,000 | $ 276,250 | $ 100,000 |
| Norwich-New London, CT | 8 | $ 1,560,000 | $ 195,000 | $ 109,000 |
| Rockford, IL | 8 | $ 1,310,000 | $ 163,750 | $ 71,000 |
| Elizabethtown-Fort Knox, KY | 7 | $ 1,385,000 | $ 197,857 | $ 99,000 |
| Harrisonburg, VA | 7 | $ 1,275,000 | $ 182,142 | $ 110,000 |
| Victoria, TX | 7 | $ 1,275,000 | $ 182,142 | $ 75,000 |
| Vineland-Bridgeton, NJ | 7 | $ 1,045,000 | $ 149,285 | $ 66,000 |
| Williamsport, PA | 7 | $ 1,285,000 | $ 183,571 | $ 101,000 |
| Anchorage, AK | 6 | $ 1,310,000 | $ 218,333 | $ 113,000 |
| Champaign-Urbana, IL | 6 | $ 1,560,000 | $ 260,000 | $ 99,000 |
| Gulfport-Biloxi-Pascagoula, MS | 6 | $ 1,430,000 | $ 238,333 | $ 90,000 |
| Johnstown, PA | 6 | $ 690,000 | $ 115,000 | $ 64,000 |
| Jonesboro, AR | 6 | $ 1,330,000 | $ 221,666 | $ 82,000 |
| Lafayette-West Lafayette, IN | 6 | $ 1,020,000 | $ 170,000 | $ 74,000 |
| Peoria, IL | 6 | $ 750,000 | $ 125,000 | $ 50,000 |
| Rome, GA | 6 | $ 830,000 | $ 138,333 | $ 54,000 |
| Terre Haute, IN | 6 | $ 650,000 | $ 108,333 | $ 75,000 |
| Alexandria, LA | 5 | $ 1,045,000 | $ 209,000 | $ 86,000 |
| Bloomington, IL | 5 | $ 845,000 | $ 169,000 | $ 196,000 |
| Columbus, IN | 5 | $ 825,000 | $ 165,000 | $ 105,000 |
| Eau Claire, WI | 5 | $ 1,025,000 | $ 205,000 | $ 71,000 |
| Florence-Muscle Shoals, AL | 5 | $ 965,000 | $ 193,000 | $ 76,000 |
| Hot Springs, AR | 5 | $ 815,000 | $ 163,000 | $ 61,000 |
| Sioux City, IA-NE-SD | 5 | $ 795,000 | $ 159,000 | $ 78,000 |
| Springfield, OH | 5 | $ 1,185,000 | $ 237,000 | $ 106,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,130,000 | $ 282,500 | $ 65,000 |
| Carbondale-Marion, IL | 4 | $ 1,050,000 | $ 262,500 | $ 557,000 |
| Grand Island, NE | 4 | $ 490,000 | $ 122,500 | $ 71,000 |
| Lewiston, ID-WA | 4 | $ 630,000 | $ 157,500 | $ 60,000 |
| Owensboro, KY | 4 | $ 510,000 | $ 127,500 | $ 77,000 |
| St. Joseph, MO-KS | 4 | $ 500,000 | $ 125,000 | $ 78,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 1,020,000 | $ 255,000 | $ 88,000 |
| Wausau, WI | 4 | $ 510,000 | $ 127,500 | $ 110,000 |
| Wheeling, WV-OH | 4 | $ 840,000 | $ 210,000 | $ 100,500 |
| Ames, IA | 3 | $ 525,000 | $ 175,000 | $ 76,000 |
| Bowling Green, KY | 3 | $ 375,000 | $ 125,000 | $ 71,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 375,000 | $ 125,000 | $ 75,000 |
| Decatur, IL | 3 | $ 525,000 | $ 175,000 | $ 108,000 |
| Gadsden, AL | 3 | $ 545,000 | $ 181,666 | $ 71,000 |
| Jefferson City, MO | 3 | $ 535,000 | $ 178,333 | $ 70,000 |
| Mansfield, OH | 3 | $ 325,000 | $ 108,333 | $ 67,000 |
| Michigan City-La Porte, IN | 3 | $ 385,000 | $ 128,333 | $ 78,000 |
| Springfield, IL | 3 | $ 495,000 | $ 165,000 | $ 90,000 |
| Worcester, MA-CT | 3 | $ 875,000 | $ 291,666 | $ 116,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 250,000 | $ 125,000 | $ 86,000 |
| Bangor, ME | 2 | $ 380,000 | $ 190,000 | $ 171,000 |
| Barnstable Town, MA | 2 | $ 380,000 | $ 190,000 | $ 62,000 |
| Boston, MA | 2 | $ 430,000 | $ 215,000 | $ 52,000 |
| Cumberland, MD-WV | 2 | $ 260,000 | $ 130,000 | $ 43,000 |
| Danville, IL | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Decatur, AL | 2 | $ 330,000 | $ 165,000 | $ 118,000 |
| Enid, OK | 2 | $ 350,000 | $ 175,000 | $ 85,000 |
| Kingston, NY | 2 | $ 500,000 | $ 250,000 | $ 95,000 |
| Lawton, OK | 2 | $ 230,000 | $ 115,000 | $ 50,000 |
| Lima, OH | 2 | $ 200,000 | $ 100,000 | $ 60,000 |
| Midland, MI | 2 | $ 240,000 | $ 120,000 | $ 33,000 |
| Syracuse, NY | 2 | $ 260,000 | $ 130,000 | $ 111,000 |
| Topeka, KS | 2 | $ 390,000 | $ 195,000 | $ 69,000 |
| Altoona, PA | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Bay City, MI | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Charleston, WV | 1 | $ 105,000 | $ 105,000 | $ 21,000 |
| Dubuque, IA | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Glens Falls, NY | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Hattiesburg, MS | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Kokomo, IN | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 235,000 | $ 235,000 | $ 147,000 |
| Lawrence, KS | 1 | $ 265,000 | $ 265,000 | $ 196,000 |
| Manhattan, KS | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Morgantown, WV | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Muncie, IN | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Parkersburg-Vienna, WV | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| Pine Bluff, AR | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Rochester, NY | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company, Li in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 21,354 | $5,702,150,000 | $267,000 | $40,005,000 | $110,000 | $3,724,000 |
| Cash-out Refinancing | 20,249 | $4,583,135,000 | $226,000 | $2,925,000 | $90,000 | $7,200,000 |
| Refinancing | 9,689 | $2,384,985,000 | $246,000 | $3,005,000 | $110,000 | $3,238,000 |
| Home Improvement | 4,129 | $897,055,000 | $217,000 | $1,475,000 | $87,000 | $1,440,000 |
| Not Applicable | 4 | $570,000 | $142,000 | $185,000 | $61,000 | $80,000 |
| Other Purpose | 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 | 30,608 | $7,500,450,000 | $245,000 | $40,005,000 | $103,000 | $7,200,000 |
| Not Provided | 10,638 | $2,491,390,000 | $234,000 | $2,525,000 | $99,000 | $3,724,000 |
| Hispanic | 5,691 | $1,374,675,000 | $241,000 | $3,005,000 | $89,000 | $2,992,000 |
| Black or African American | 4,304 | $937,850,000 | $217,000 | $1,135,000 | $81,000 | $1,620,000 |
| Asian | 3,301 | $1,029,175,000 | $311,000 | $1,645,000 | $130,000 | $3,900,000 |
| American Indian or Alaskan Native | 293 | $62,035,000 | $211,000 | $775,000 | $86,000 | $654,000 |
| Native Hawaiian or Other Pacific Islander | 144 | $41,120,000 | $285,000 | $675,000 | $108,000 | $1,200,000 |
| 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) | 35,969 | $9,340,525,000 | $259,000 | $40,005,000 | $116,000 | $7,200,000 |
| FHA-insured (Federal Housing Administration) | 14,767 | $3,024,115,000 | $204,000 | $875,000 | $71,000 | $1,479,000 |
| VA-guaranteed (Veterans Administration) | 4,386 | $1,155,570,000 | $263,000 | $1,555,000 | $82,000 | $840,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 303 | $47,685,000 | $157,000 | $415,000 | $56,000 | $111,000 |
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 | 26,965 | $6,422,065,000 | $238,000 | $40,005,000 | $100,000 | $7,200,000 |
| Loan Originated | 21,874 | $5,572,400,000 | $254,000 | $2,325,000 | $105,000 | $3,238,000 |
| Application Approved But Not Accepted | 3,235 | $831,635,000 | $257,000 | $1,565,000 | $102,000 | $2,992,000 |
| Application Denied By Financial Institution | 3,090 | $687,550,000 | $222,000 | $3,005,000 | $77,000 | $3,900,000 |
| File Closed For Incompleteness | 257 | $53,675,000 | $208,000 | $825,000 | $89,000 | $780,000 |
| Loan Purchased By The Institution | 4 | $570,000 | $142,000 | $185,000 | $61,000 | $80,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 52,335 | $12,880,345,000 | $246,000 | $40,005,000 | $102,000 | $7,200,000 |
| Debt-To-Income Ratio | 1,003 | $243,575,000 | $242,000 | $1,155,000 | $59,000 | $463,000 |
| Credit History | 714 | $135,830,000 | $190,000 | $3,005,000 | $77,000 | $2,618,000 |
| Credit Application Incomplete | 635 | $135,365,000 | $213,000 | $2,005,000 | $93,000 | $3,900,000 |
| Unverifiable Information | 445 | $107,045,000 | $240,000 | $1,035,000 | $87,000 | $509,000 |
| Collateral | 139 | $30,315,000 | $218,000 | $725,000 | $90,000 | $338,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 64 | $13,900,000 | $217,000 | $765,000 | $77,000 | $195,000 |
| Employment History | 50 | $12,430,000 | $248,000 | $1,245,000 | $74,000 | $398,000 |
| Other | 40 | $9,090,000 | $227,000 | $665,000 | $86,000 | $317,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company, Li's 2018 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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