Cardinal Financial Company, Li Mortgage Lending & HMDA Data, 2020
In 2020, Cardinal Financial Company, Li of Charlotte, NC reported 197,764 mortgage applications totaling $55.2 billion, up 99% from 2019. The average application was for $278,969, and applicants reported an average income of $123,452. 47% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (7,738), Atlanta-Sandy Springs-Roswell, GA (6,195) and Washington-Arlington-Alexandria, DC-VA-MD-WV (6,034) (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 | 197,764 |
| Total Mortgage Loan Application Amount | $55,170,055,000 |
| Average Mortgage Loan Application Amount | $278,969 |
| Highest Mortgage Loan Application Amount | $4,085,000 |
| Average Applicant Income | $123,452 |
| Highest Applicant Income | $9,792,000 |
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records Cardinal Financial Company, Li filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 13,095 | $ 2,679,115,000 | $ 204,590 | $ 96,780 |
| Phoenix-Mesa-Scottsdale, AZ | 7,738 | $ 2,033,160,000 | $ 262,750 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6,195 | $ 1,558,555,000 | $ 251,582 | $ 122,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6,034 | $ 2,300,430,000 | $ 381,244 | $ 163,694 |
| Dallas-Plano-Irving, TX | 5,738 | $ 1,506,990,000 | $ 262,633 | $ 133,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5,261 | $ 1,413,565,000 | $ 268,687 | $ 109,000 |
| Houston-The Woodlands-Sugar Land, TX | 5,245 | $ 1,311,135,000 | $ 249,978 | $ 138,000 |
| Las Vegas-Henderson-Paradise, NV | 4,685 | $ 1,283,195,000 | $ 273,894 | $ 110,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3,965 | $ 1,004,505,000 | $ 253,343 | $ 109,769 |
| Fort Worth-Arlington, TX | 3,693 | $ 847,895,000 | $ 229,595 | $ 111,000 |
| Denver-Aurora-Lakewood, CO | 3,625 | $ 1,225,215,000 | $ 337,990 | $ 141,000 |
| Los Angeles-Long Beach-Glendale, CA | 3,472 | $ 1,554,830,000 | $ 447,819 | $ 166,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3,465 | $ 881,185,000 | $ 254,310 | $ 123,588 |
| Seattle-Bellevue-Everett, WA | 3,035 | $ 1,226,845,000 | $ 404,232 | $ 171,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3,004 | $ 727,460,000 | $ 242,163 | $ 107,000 |
| San Diego-Carlsbad, CA | 2,974 | $ 1,273,700,000 | $ 428,278 | $ 149,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2,875 | $ 901,485,000 | $ 313,560 | $ 123,997 |
| Nassau County-Suffolk County, NY | 2,804 | $ 1,100,540,000 | $ 392,489 | $ 146,000 |
| New York-Jersey City-White Plains, NY-NJ | 2,708 | $ 1,167,480,000 | $ 431,122 | $ 160,069 |
| Riverside-San Bernardino-Ontario, CA | 2,393 | $ 729,545,000 | $ 304,866 | $ 125,000 |
| Jacksonville, FL | 2,316 | $ 574,600,000 | $ 248,100 | $ 106,000 |
| Orlando-Kissimmee-Sanford, FL | 2,224 | $ 554,430,000 | $ 249,294 | $ 110,000 |
| New York-Newark, NY | 2,070 | $ 698,660,000 | $ 337,516 | $ 166,568 |
| Baltimore-Columbia-Towson, MD | 2,046 | $ 619,970,000 | $ 303,015 | $ 146,000 |
| Salt Lake City, UT | 2,030 | $ 624,770,000 | $ 307,768 | $ 116,000 |
| Oakland-Hayward-Berkeley, CA | 1,991 | $ 938,725,000 | $ 471,484 | $ 189,000 |
| Newark, NJ-PA | 1,983 | $ 654,455,000 | $ 330,032 | $ 154,926 |
| Chicago-Naperville, IL | 1,954 | $ 480,140,000 | $ 245,721 | $ 130,000 |
| Knoxville, TN | 1,807 | $ 350,245,000 | $ 193,826 | $ 83,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1,720 | $ 429,880,000 | $ 249,930 | $ 93,281 |
| Raleigh, NC | 1,713 | $ 480,085,000 | $ 280,259 | $ 139,000 |
| Anaheim-Santa Ana-Irvine, CA | 1,702 | $ 820,670,000 | $ 482,179 | $ 181,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1,684 | $ 468,740,000 | $ 278,349 | $ 126,000 |
| Austin-Round Rock, TX | 1,628 | $ 450,270,000 | $ 276,578 | $ 143,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,503 | $ 414,225,000 | $ 275,598 | $ 127,000 |
| Washington-Baltimore-Arlington, DC | 1,475 | $ 563,645,000 | $ 382,132 | $ 174,000 |
| Montgomery County-Bucks County-Chester County, PA | 1,398 | $ 405,340,000 | $ 289,942 | $ 165,000 |
| Spokane-Spokane Valley, WA | 1,389 | $ 332,815,000 | $ 239,607 | $ 93,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1,371 | $ 458,825,000 | $ 334,664 | $ 146,000 |
| Baton Rouge, LA | 1,220 | $ 250,880,000 | $ 205,639 | $ 103,000 |
| Urban Honolulu, HI | 1,211 | $ 717,905,000 | $ 592,819 | $ 94,000 |
| Miami-Miami Beach-Kendall, FL | 1,137 | $ 312,665,000 | $ 274,991 | $ 126,000 |
| Cincinnati, OH-KY-IN | 1,103 | $ 215,535,000 | $ 195,407 | $ 100,113 |
| San Antonio-New Braunfels, TX | 1,055 | $ 244,825,000 | $ 232,061 | $ 114,000 |
| Colorado Springs, CO | 1,037 | $ 298,185,000 | $ 287,545 | $ 103,000 |
| Richmond, VA | 1,009 | $ 264,185,000 | $ 261,828 | $ 130,000 |
| Warren-Troy-Farmington Hills, MI | 997 | $ 225,715,000 | $ 226,394 | $ 115,000 |
| Reno, NV | 965 | $ 323,735,000 | $ 335,476 | $ 147,000 |
| Tucson, AZ | 932 | $ 205,200,000 | $ 220,171 | $ 107,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 924 | $ 472,890,000 | $ 511,785 | $ 252,000 |
| Tacoma-Lakewood, WA | 922 | $ 285,040,000 | $ 309,154 | $ 112,000 |
| Ogden-Clearfield, UT | 916 | $ 255,390,000 | $ 278,810 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 889 | $ 206,605,000 | $ 232,401 | $ 104,000 |
| Milwaukee-Waukesha-West Allis, WI | 871 | $ 203,695,000 | $ 233,863 | $ 116,000 |
| Fresno, CA | 788 | $ 182,360,000 | $ 231,421 | $ 98,000 |
| Chattanooga, TN-GA | 767 | $ 162,305,000 | $ 211,610 | $ 101,551 |
| Pittsburgh, PA | 767 | $ 157,995,000 | $ 205,990 | $ 112,000 |
| Johnson City, TN | 766 | $ 133,400,000 | $ 174,151 | $ 70,000 |
| Philadelphia, PA | 753 | $ 188,875,000 | $ 250,830 | $ 149,000 |
| Winston-Salem, NC | 745 | $ 127,815,000 | $ 171,563 | $ 86,000 |
| Kingsport-Bristol-Bristol, TN-VA | 713 | $ 110,985,000 | $ 155,659 | $ 67,709 |
| Provo-Orem, UT | 701 | $ 217,085,000 | $ 309,679 | $ 110,000 |
| North Port-Sarasota-Bradenton, FL | 698 | $ 172,070,000 | $ 246,518 | $ 117,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 691 | $ 149,735,000 | $ 216,693 | $ 93,000 |
| Cambridge-Newton-Framingham, MA | 681 | $ 272,585,000 | $ 400,271 | $ 204,000 |
| Charleston-North Charleston, SC | 663 | $ 175,735,000 | $ 265,060 | $ 95,000 |
| Merced, CA | 663 | $ 166,595,000 | $ 251,274 | $ 93,000 |
| St. Louis, MO-IL | 653 | $ 132,945,000 | $ 203,591 | $ 107,376 |
| Port St. Lucie, FL | 636 | $ 140,400,000 | $ 220,754 | $ 89,000 |
| Wilmington, DE-MD-NJ | 636 | $ 163,390,000 | $ 256,902 | $ 109,366 |
| San Francisco-Redwood City-South San Francisco, CA | 581 | $ 308,835,000 | $ 531,557 | $ 234,000 |
| Albuquerque, NM | 580 | $ 140,530,000 | $ 242,293 | $ 104,000 |
| Indianapolis-Carmel-Anderson, IN | 572 | $ 114,990,000 | $ 201,031 | $ 104,000 |
| New Orleans-Metairie, LA | 555 | $ 118,795,000 | $ 214,045 | $ 109,000 |
| Columbus, OH | 552 | $ 128,020,000 | $ 231,920 | $ 144,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 544 | $ 119,350,000 | $ 219,393 | $ 118,158 |
| Palm Bay-Melbourne-Titusville, FL | 542 | $ 128,380,000 | $ 236,863 | $ 98,000 |
| Elkhart-Goshen, IN | 533 | $ 88,115,000 | $ 165,318 | $ 70,000 |
| Greenville-Anderson-Mauldin, SC | 512 | $ 106,820,000 | $ 208,632 | $ 92,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 506 | $ 215,440,000 | $ 425,770 | $ 156,000 |
| Lubbock, TX | 499 | $ 98,205,000 | $ 196,803 | $ 101,000 |
| Boston, MA | 497 | $ 200,965,000 | $ 404,356 | $ 185,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 487 | $ 102,805,000 | $ 211,098 | $ 104,763 |
| Columbia, SC | 476 | $ 106,770,000 | $ 224,306 | $ 99,000 |
| Greensboro-High Point, NC | 470 | $ 89,090,000 | $ 189,553 | $ 95,000 |
| Durham-Chapel Hill, NC | 452 | $ 113,110,000 | $ 250,243 | $ 127,000 |
| Camden, NJ | 450 | $ 102,440,000 | $ 227,644 | $ 118,000 |
| Cleveland-Elyria, OH | 439 | $ 90,765,000 | $ 206,753 | $ 115,000 |
| Naples-Immokalee-Marco Island, FL | 437 | $ 127,275,000 | $ 291,247 | $ 139,000 |
| Lakeland-Winter Haven, FL | 433 | $ 80,895,000 | $ 186,824 | $ 73,000 |
| Detroit-Dearborn-Livonia, MI | 394 | $ 73,400,000 | $ 186,294 | $ 112,000 |
| Birmingham-Hoover, AL | 389 | $ 86,595,000 | $ 222,609 | $ 102,000 |
| Hickory-Lenoir-Morganton, NC | 383 | $ 70,005,000 | $ 182,780 | $ 83,000 |
| Vallejo-Fairfield, CA | 379 | $ 141,875,000 | $ 374,340 | $ 129,000 |
| Memphis, TN-MS-AR | 376 | $ 80,880,000 | $ 215,106 | $ 134,420 |
| Kansas City, MO-KS | 370 | $ 80,830,000 | $ 218,459 | $ 155,340 |
| Providence-Warwick, RI-MA | 368 | $ 102,160,000 | $ 277,608 | $ 123,133 |
| Louisville/Jefferson County, KY-IN | 356 | $ 78,400,000 | $ 220,224 | $ 101,235 |
| Stockton-Lodi, CA | 352 | $ 111,490,000 | $ 316,732 | $ 130,000 |
| Asheville, NC | 330 | $ 75,110,000 | $ 227,606 | $ 96,000 |
| Boulder, CO | 323 | $ 123,865,000 | $ 383,482 | $ 186,000 |
| Modesto, CA | 318 | $ 83,350,000 | $ 262,106 | $ 114,000 |
| Crestview-Fort Walton Beach-Destin, FL | 303 | $ 80,885,000 | $ 266,947 | $ 123,000 |
| Fort Collins, CO | 303 | $ 94,435,000 | $ 311,666 | $ 125,000 |
| Greeley, CO | 302 | $ 92,770,000 | $ 307,185 | $ 111,000 |
| Bridgeport-Stamford-Norwalk, CT | 301 | $ 116,385,000 | $ 386,661 | $ 164,000 |
| Prescott Valley-Prescott, AZ | 300 | $ 71,710,000 | $ 239,033 | $ 86,000 |
| McAllen-Edinburg-Mission, TX | 297 | $ 52,875,000 | $ 178,030 | $ 92,000 |
| Elgin, IL | 291 | $ 61,995,000 | $ 213,041 | $ 107,000 |
| Green Bay, WI | 290 | $ 53,630,000 | $ 184,931 | $ 89,000 |
| Pensacola-Ferry Pass-Brent, FL | 285 | $ 59,205,000 | $ 207,736 | $ 91,000 |
| Lake County-Kenosha County, IL-WI | 279 | $ 65,225,000 | $ 233,781 | $ 116,612 |
| El Centro, CA | 274 | $ 57,710,000 | $ 210,620 | $ 98,000 |
| Santa Rosa, CA | 265 | $ 109,265,000 | $ 412,320 | $ 165,000 |
| Savannah, GA | 263 | $ 58,875,000 | $ 223,859 | $ 115,000 |
| Bakersfield, CA | 261 | $ 54,225,000 | $ 207,758 | $ 107,000 |
| South Bend-Mishawaka, IN-MI | 259 | $ 38,395,000 | $ 148,243 | $ 67,235 |
| Olympia-Tumwater, WA | 254 | $ 71,220,000 | $ 280,393 | $ 98,000 |
| Punta Gorda, FL | 253 | $ 50,145,000 | $ 198,201 | $ 92,000 |
| Lynchburg, VA | 251 | $ 51,515,000 | $ 205,239 | $ 99,000 |
| Augusta-Richmond County, GA-SC | 250 | $ 43,420,000 | $ 173,680 | $ 72,712 |
| Salisbury, MD-DE | 246 | $ 60,990,000 | $ 247,926 | $ 127,243 |
| Lake Havasu City-Kingman, AZ | 244 | $ 52,010,000 | $ 213,155 | $ 96,000 |
| Salem, OR | 243 | $ 64,205,000 | $ 264,218 | $ 116,000 |
| Midland, MI | 241 | $ 43,885,000 | $ 182,095 | $ 113,000 |
| Visalia-Porterville, CA | 241 | $ 52,105,000 | $ 216,203 | $ 111,000 |
| Ocala, FL | 236 | $ 37,180,000 | $ 157,542 | $ 73,000 |
| Tallahassee, FL | 235 | $ 48,325,000 | $ 205,638 | $ 104,000 |
| Fargo, ND-MN | 225 | $ 46,515,000 | $ 206,733 | $ 85,164 |
| Boise City, ID | 224 | $ 57,840,000 | $ 258,214 | $ 106,000 |
| Hartford-West Hartford-East Hartford, CT | 224 | $ 54,500,000 | $ 243,303 | $ 162,000 |
| Eugene, OR | 221 | $ 57,515,000 | $ 260,248 | $ 96,000 |
| El Paso, TX | 218 | $ 39,180,000 | $ 179,724 | $ 117,000 |
| Wilmington, NC | 217 | $ 54,725,000 | $ 252,188 | $ 116,000 |
| Medford, OR | 216 | $ 57,470,000 | $ 266,064 | $ 121,000 |
| Killeen-Temple, TX | 215 | $ 37,465,000 | $ 174,255 | $ 79,000 |
| Trenton, NJ | 207 | $ 56,455,000 | $ 272,729 | $ 156,000 |
| Harrisburg-Carlisle, PA | 205 | $ 42,985,000 | $ 209,682 | $ 110,000 |
| Coeur D'Alene, ID | 200 | $ 55,900,000 | $ 279,500 | $ 105,000 |
| Bremerton-Silverdale, WA | 190 | $ 55,870,000 | $ 294,052 | $ 113,000 |
| Dover, DE | 187 | $ 44,575,000 | $ 238,368 | $ 88,000 |
| Clarksville, TN-KY | 186 | $ 35,190,000 | $ 189,193 | $ 86,064 |
| Fayetteville, NC | 184 | $ 33,040,000 | $ 179,565 | $ 78,000 |
| Worcester, MA-CT | 184 | $ 55,090,000 | $ 299,402 | $ 141,989 |
| Davenport-Moline-Rock Island, IA-IL | 183 | $ 26,955,000 | $ 147,295 | $ 89,836 |
| Roanoke, VA | 178 | $ 39,100,000 | $ 219,662 | $ 93,000 |
| Rockingham County-Strafford County, NH | 178 | $ 51,690,000 | $ 290,393 | $ 130,000 |
| Gary, IN | 177 | $ 34,495,000 | $ 194,887 | $ 104,000 |
| Manchester-Nashua, NH | 168 | $ 48,770,000 | $ 290,297 | $ 127,000 |
| Morristown, TN | 168 | $ 29,450,000 | $ 175,297 | $ 76,000 |
| Omaha-Council Bluffs, NE-IA | 168 | $ 36,510,000 | $ 217,321 | $ 110,601 |
| Bend-Redmond, OR | 163 | $ 49,615,000 | $ 304,386 | $ 121,000 |
| Fond Du Lac, WI | 159 | $ 24,715,000 | $ 155,440 | $ 72,000 |
| Huntsville, AL | 158 | $ 36,080,000 | $ 228,354 | $ 103,000 |
| Lancaster, PA | 156 | $ 33,280,000 | $ 213,333 | $ 115,000 |
| Longview, WA | 156 | $ 34,290,000 | $ 219,807 | $ 82,000 |
| Spartanburg, SC | 155 | $ 27,825,000 | $ 179,516 | $ 83,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 150 | $ 63,650,000 | $ 424,333 | $ 140,000 |
| Grand Rapids-Wyoming, MI | 149 | $ 29,575,000 | $ 198,489 | $ 89,000 |
| Gainesville, GA | 148 | $ 37,050,000 | $ 250,337 | $ 104,000 |
| Salinas, CA | 148 | $ 58,210,000 | $ 393,310 | $ 119,000 |
| Santa Maria-Santa Barbara, CA | 147 | $ 60,835,000 | $ 413,843 | $ 156,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 146 | $ 38,060,000 | $ 260,684 | $ 184,000 |
| Panama City, FL | 146 | $ 34,590,000 | $ 236,917 | $ 115,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 146 | $ 26,010,000 | $ 178,150 | $ 82,000 |
| York-Hanover, PA | 146 | $ 29,980,000 | $ 205,342 | $ 108,000 |
| Reading, PA | 145 | $ 28,305,000 | $ 195,206 | $ 147,000 |
| St. George, UT | 143 | $ 41,755,000 | $ 291,993 | $ 147,000 |
| Daphne-Fairhope-Foley, AL | 142 | $ 35,780,000 | $ 251,971 | $ 122,000 |
| Kennewick-Richland, WA | 140 | $ 35,410,000 | $ 252,928 | $ 111,000 |
| Madera, CA | 137 | $ 35,705,000 | $ 260,620 | $ 98,000 |
| Charlottesville, VA | 136 | $ 37,980,000 | $ 279,264 | $ 119,000 |
| Mobile, AL | 136 | $ 21,930,000 | $ 161,250 | $ 82,000 |
| New Haven-Milford, CT | 134 | $ 31,350,000 | $ 233,955 | $ 145,000 |
| Portland-South Portland, ME | 132 | $ 37,850,000 | $ 286,742 | $ 128,000 |
| Cleveland, TN | 127 | $ 21,395,000 | $ 168,464 | $ 71,000 |
| Corpus Christi, TX | 124 | $ 23,570,000 | $ 190,080 | $ 107,000 |
| Sherman-Denison, TX | 124 | $ 25,060,000 | $ 202,096 | $ 89,000 |
| Barnstable Town, MA | 123 | $ 41,005,000 | $ 333,373 | $ 192,000 |
| Pueblo, CO | 122 | $ 23,140,000 | $ 189,672 | $ 76,000 |
| San Angelo, TX | 122 | $ 23,760,000 | $ 194,754 | $ 80,000 |
| Sebastian-Vero Beach, FL | 122 | $ 26,410,000 | $ 216,475 | $ 90,000 |
| Houma-Thibodaux, LA | 121 | $ 20,965,000 | $ 173,264 | $ 83,000 |
| Akron, OH | 120 | $ 25,070,000 | $ 208,916 | $ 126,000 |
| Bellingham, WA | 120 | $ 35,080,000 | $ 292,333 | $ 106,000 |
| Flagstaff, AZ | 120 | $ 31,110,000 | $ 259,250 | $ 126,000 |
| Atlantic City-Hammonton, NJ | 117 | $ 24,025,000 | $ 205,341 | $ 126,000 |
| Dayton-Springfield-Kettering, OH | 117 | $ 21,775,000 | $ 186,111 | $ 122,000 |
| Anchorage, AK | 115 | $ 37,555,000 | $ 326,565 | $ 113,000 |
| Gainesville, FL | 114 | $ 25,110,000 | $ 220,263 | $ 120,000 |
| Madison, WI | 113 | $ 30,295,000 | $ 268,097 | $ 120,000 |
| Oklahoma City, OK | 113 | $ 24,605,000 | $ 217,743 | $ 105,000 |
| East Stroudsburg, PA | 111 | $ 18,585,000 | $ 167,432 | $ 97,000 |
| San Rafael, CA | 111 | $ 61,625,000 | $ 555,180 | $ 217,000 |
| Lexington-Fayette, KY | 109 | $ 24,825,000 | $ 227,752 | $ 143,000 |
| Beaumont-Port Arthur, TX | 108 | $ 20,490,000 | $ 189,722 | $ 121,000 |
| Columbus, GA-AL | 103 | $ 18,405,000 | $ 178,689 | $ 71,572 |
| The Villages, FL | 102 | $ 23,790,000 | $ 233,235 | $ 83,000 |
| Lafayette, LA | 101 | $ 19,255,000 | $ 190,643 | $ 123,000 |
| Santa Cruz-Watsonville, CA | 101 | $ 49,025,000 | $ 485,396 | $ 262,000 |
| Macon-Bibb County, GA | 98 | $ 16,660,000 | $ 170,000 | $ 71,000 |
| Dalton, GA | 97 | $ 15,145,000 | $ 156,134 | $ 64,000 |
| Winchester, VA-WV | 97 | $ 24,005,000 | $ 247,474 | $ 105,000 |
| Duluth, MN-WI | 96 | $ 18,930,000 | $ 197,187 | $ 95,875 |
| Homosassa Springs, FL | 96 | $ 16,650,000 | $ 173,437 | $ 68,000 |
| Midland, TX | 95 | $ 23,755,000 | $ 250,052 | $ 155,000 |
| Rochester, MN | 95 | $ 20,085,000 | $ 211,421 | $ 110,000 |
| Sioux Falls, SD | 95 | $ 21,255,000 | $ 223,736 | $ 104,000 |
| Las Cruces, NM | 93 | $ 18,225,000 | $ 195,967 | $ 98,000 |
| Springfield, MO | 92 | $ 16,160,000 | $ 175,652 | $ 72,000 |
| Lansing-East Lansing, MI | 90 | $ 15,660,000 | $ 174,000 | $ 81,000 |
| Montgomery, AL | 90 | $ 16,610,000 | $ 184,555 | $ 117,000 |
| Athens-Clarke County, GA | 89 | $ 20,205,000 | $ 227,022 | $ 106,000 |
| Vineland-Bridgeton, NJ | 89 | $ 14,845,000 | $ 166,797 | $ 100,000 |
| Brownsville-Harlingen, TX | 88 | $ 16,890,000 | $ 191,931 | $ 121,000 |
| Saginaw, MI | 88 | $ 13,700,000 | $ 155,681 | $ 78,000 |
| Jacksonville, NC | 86 | $ 15,650,000 | $ 181,976 | $ 78,000 |
| Tulsa, OK | 86 | $ 18,780,000 | $ 218,372 | $ 115,000 |
| Longview, TX | 85 | $ 15,905,000 | $ 187,117 | $ 105,000 |
| Shreveport-Bossier City, LA | 85 | $ 16,055,000 | $ 188,882 | $ 93,000 |
| Sierra Vista-Douglas, AZ | 85 | $ 13,995,000 | $ 164,647 | $ 89,000 |
| Yuma, AZ | 85 | $ 14,745,000 | $ 173,470 | $ 101,000 |
| Waco, TX | 83 | $ 15,665,000 | $ 188,734 | $ 74,000 |
| Ocean City, NJ | 82 | $ 27,740,000 | $ 338,292 | $ 212,000 |
| Hagerstown-Martinsburg, MD-WV | 81 | $ 17,595,000 | $ 217,222 | $ 82,888 |
| St. Cloud, MN | 81 | $ 13,775,000 | $ 170,061 | $ 90,000 |
| Yakima, WA | 81 | $ 16,695,000 | $ 206,111 | $ 79,000 |
| Mount Vernon-Anacortes, WA | 79 | $ 21,925,000 | $ 277,531 | $ 122,000 |
| Ann Arbor, MI | 78 | $ 18,460,000 | $ 236,666 | $ 138,000 |
| Des Moines-West Des Moines, IA | 78 | $ 17,150,000 | $ 219,871 | $ 90,000 |
| Burlington, NC | 77 | $ 15,685,000 | $ 203,701 | $ 83,000 |
| College Station-Bryan, TX | 77 | $ 16,755,000 | $ 217,597 | $ 134,000 |
| Rochester, NY | 77 | $ 13,035,000 | $ 169,285 | $ 98,000 |
| Napa, CA | 76 | $ 32,270,000 | $ 424,605 | $ 139,000 |
| Appleton, WI | 75 | $ 15,925,000 | $ 212,333 | $ 97,000 |
| Racine, WI | 75 | $ 14,425,000 | $ 192,333 | $ 72,000 |
| Warner Robins, GA | 74 | $ 12,910,000 | $ 174,459 | $ 79,000 |
| Tyler, TX | 73 | $ 15,125,000 | $ 207,191 | $ 108,000 |
| Laredo, TX | 71 | $ 12,935,000 | $ 182,183 | $ 135,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 70 | $ 15,660,000 | $ 223,714 | $ 88,000 |
| Kalamazoo-Portage, MI | 70 | $ 12,570,000 | $ 179,571 | $ 85,000 |
| Toledo, OH | 68 | $ 12,010,000 | $ 176,617 | $ 86,000 |
| Fort Wayne, IN | 67 | $ 12,145,000 | $ 181,268 | $ 84,000 |
| Lake Charles, LA | 67 | $ 13,365,000 | $ 199,477 | $ 114,000 |
| Cedar Rapids, IA | 66 | $ 10,850,000 | $ 164,393 | $ 84,000 |
| Erie, PA | 66 | $ 9,700,000 | $ 146,969 | $ 81,000 |
| Logan, UT-ID | 66 | $ 15,700,000 | $ 237,878 | $ 90,212 |
| Odessa, TX | 66 | $ 13,940,000 | $ 211,212 | $ 119,000 |
| Youngstown-Warren-Boardman, OH-PA | 66 | $ 10,670,000 | $ 161,666 | $ 78,772 |
| Flint, MI | 65 | $ 11,235,000 | $ 172,846 | $ 99,000 |
| Wenatchee, WA | 65 | $ 18,645,000 | $ 286,846 | $ 109,000 |
| Canton-Massillon, OH | 64 | $ 11,060,000 | $ 172,812 | $ 116,000 |
| Chico, CA | 64 | $ 15,690,000 | $ 245,156 | $ 96,000 |
| Amarillo, TX | 63 | $ 9,715,000 | $ 154,206 | $ 100,000 |
| Albany, OR | 61 | $ 12,555,000 | $ 205,819 | $ 77,000 |
| Decatur, AL | 61 | $ 11,815,000 | $ 193,688 | $ 72,000 |
| Grand Junction, CO | 61 | $ 13,405,000 | $ 219,754 | $ 88,000 |
| Oshkosh-Neenah, WI | 61 | $ 10,885,000 | $ 178,442 | $ 82,000 |
| Norwich-New London, CT | 60 | $ 13,830,000 | $ 230,500 | $ 86,000 |
| Grants Pass, OR | 59 | $ 15,225,000 | $ 258,050 | $ 65,000 |
| Jackson, TN | 59 | $ 9,705,000 | $ 164,491 | $ 61,000 |
| Janesville-Beloit, WI | 59 | $ 9,885,000 | $ 167,542 | $ 67,000 |
| Auburn-Opelika, AL | 58 | $ 12,420,000 | $ 214,137 | $ 87,000 |
| Blacksburg-Christiansburg-Radford, VA | 58 | $ 12,960,000 | $ 223,448 | $ 114,000 |
| Brunswick, GA | 58 | $ 12,920,000 | $ 222,758 | $ 81,000 |
| Santa Fe, NM | 58 | $ 15,780,000 | $ 272,068 | $ 97,000 |
| California-Lexington Park, MD | 56 | $ 16,070,000 | $ 286,964 | $ 172,000 |
| Hanford-Corcoran, CA | 56 | $ 12,020,000 | $ 214,642 | $ 132,000 |
| Lincoln, NE | 56 | $ 11,210,000 | $ 200,178 | $ 97,000 |
| Sebring, FL | 56 | $ 8,170,000 | $ 145,892 | $ 59,000 |
| Evansville, IN-KY | 55 | $ 9,455,000 | $ 171,909 | $ 73,890 |
| Redding, CA | 55 | $ 11,795,000 | $ 214,454 | $ 86,000 |
| Albany-Schenectady-Troy, NY | 53 | $ 10,835,000 | $ 204,433 | $ 88,000 |
| Corvallis, OR | 53 | $ 14,875,000 | $ 280,660 | $ 160,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 53 | $ 12,885,000 | $ 243,113 | $ 143,000 |
| New Bern, NC | 53 | $ 10,485,000 | $ 197,830 | $ 155,000 |
| State College, PA | 53 | $ 11,675,000 | $ 220,283 | $ 112,000 |
| Staunton-Waynesboro, VA | 53 | $ 10,835,000 | $ 204,433 | $ 96,000 |
| Yuba City, CA | 51 | $ 12,725,000 | $ 249,509 | $ 82,000 |
| Florence, SC | 50 | $ 9,380,000 | $ 187,600 | $ 102,000 |
| Hammond, LA | 50 | $ 8,650,000 | $ 173,000 | $ 84,000 |
| Bay City, MI | 49 | $ 7,085,000 | $ 144,591 | $ 93,000 |
| Carson City, NV | 49 | $ 13,825,000 | $ 282,142 | $ 86,000 |
| Greenville, NC | 49 | $ 9,355,000 | $ 190,918 | $ 107,000 |
| Lewiston, ID-WA | 49 | $ 11,165,000 | $ 227,857 | $ 107,591 |
| Billings, MT | 48 | $ 11,740,000 | $ 244,583 | $ 95,000 |
| Jackson, MI | 48 | $ 7,930,000 | $ 165,208 | $ 92,000 |
| Bismarck, ND | 46 | $ 12,050,000 | $ 261,956 | $ 94,000 |
| Rockford, IL | 45 | $ 8,025,000 | $ 178,333 | $ 80,000 |
| Niles-Benton Harbor, MI | 43 | $ 7,785,000 | $ 181,046 | $ 83,000 |
| Gettysburg, PA | 42 | $ 10,730,000 | $ 255,476 | $ 95,000 |
| Hinesville, GA | 42 | $ 8,100,000 | $ 192,857 | $ 73,000 |
| Rome, GA | 42 | $ 7,170,000 | $ 170,714 | $ 86,000 |
| Valdosta, GA | 42 | $ 8,620,000 | $ 205,238 | $ 97,000 |
| Jackson, MS | 40 | $ 6,830,000 | $ 170,750 | $ 89,000 |
| Monroe, MI | 40 | $ 7,000,000 | $ 175,000 | $ 102,000 |
| Peoria, IL | 40 | $ 6,100,000 | $ 152,500 | $ 73,000 |
| Albany, GA | 39 | $ 6,145,000 | $ 157,564 | $ 68,000 |
| Missoula, MT | 37 | $ 11,535,000 | $ 311,756 | $ 103,000 |
| Harrisonburg, VA | 36 | $ 8,210,000 | $ 228,055 | $ 85,000 |
| Monroe, LA | 36 | $ 6,870,000 | $ 190,833 | $ 87,000 |
| Rapid City, SD | 36 | $ 8,540,000 | $ 237,222 | $ 113,000 |
| Lebanon, PA | 35 | $ 6,085,000 | $ 173,857 | $ 86,000 |
| Sheboygan, WI | 35 | $ 6,965,000 | $ 199,000 | $ 84,000 |
| Columbia, MO | 34 | $ 7,380,000 | $ 217,058 | $ 95,000 |
| Muskegon, MI | 34 | $ 4,950,000 | $ 145,588 | $ 69,000 |
| Springfield, MA | 34 | $ 9,140,000 | $ 268,823 | $ 145,000 |
| Battle Creek, MI | 33 | $ 4,835,000 | $ 146,515 | $ 51,000 |
| Idaho Falls, ID | 33 | $ 6,585,000 | $ 199,545 | $ 67,000 |
| Goldsboro, NC | 32 | $ 5,150,000 | $ 160,937 | $ 90,000 |
| Abilene, TX | 31 | $ 6,765,000 | $ 218,225 | $ 67,000 |
| Chambersburg-Waynesboro, PA | 31 | $ 5,515,000 | $ 177,903 | $ 112,000 |
| Cheyenne, WY | 31 | $ 7,805,000 | $ 251,774 | $ 147,000 |
| Eau Claire, WI | 31 | $ 6,315,000 | $ 203,709 | $ 119,000 |
| Hattiesburg, MS | 31 | $ 4,725,000 | $ 152,419 | $ 61,000 |
| Tuscaloosa, AL | 30 | $ 5,790,000 | $ 193,000 | $ 73,000 |
| Farmington, NM | 29 | $ 4,915,000 | $ 169,482 | $ 72,000 |
| Florence-Muscle Shoals, AL | 29 | $ 5,495,000 | $ 189,482 | $ 95,000 |
| Lafayette-West Lafayette, IN | 29 | $ 5,015,000 | $ 172,931 | $ 80,000 |
| Springfield, OH | 29 | $ 4,435,000 | $ 152,931 | $ 81,000 |
| Kankakee, IL | 28 | $ 4,980,000 | $ 177,857 | $ 71,000 |
| Little Rock-North Little Rock-Conway, AR | 28 | $ 5,860,000 | $ 209,285 | $ 112,000 |
| Sumter, SC | 28 | $ 5,090,000 | $ 181,785 | $ 79,000 |
| Champaign-Urbana, IL | 27 | $ 5,135,000 | $ 190,185 | $ 97,000 |
| Gulfport-Biloxi-Pascagoula, MS | 27 | $ 3,725,000 | $ 137,962 | $ 224,000 |
| Lewiston-Auburn, ME | 27 | $ 5,425,000 | $ 200,925 | $ 68,000 |
| Victoria, TX | 27 | $ 4,665,000 | $ 172,777 | $ 94,000 |
| Huntington-Ashland, WV-KY-OH | 25 | $ 4,185,000 | $ 167,400 | $ 84,400 |
| Michigan City-La Porte, IN | 25 | $ 5,385,000 | $ 215,400 | $ 71,000 |
| Gadsden, AL | 24 | $ 3,530,000 | $ 147,083 | $ 59,000 |
| Wichita Falls, TX | 24 | $ 3,830,000 | $ 159,583 | $ 84,000 |
| Wichita, KS | 24 | $ 5,770,000 | $ 240,416 | $ 146,000 |
| Alexandria, LA | 23 | $ 3,835,000 | $ 166,739 | $ 76,000 |
| Bloomington, IN | 23 | $ 5,695,000 | $ 247,608 | $ 102,000 |
| Bowling Green, KY | 23 | $ 4,175,000 | $ 181,521 | $ 205,000 |
| Dothan, AL | 23 | $ 4,655,000 | $ 202,391 | $ 76,000 |
| Elizabethtown-Fort Knox, KY | 23 | $ 4,515,000 | $ 196,304 | $ 84,000 |
| Jonesboro, AR | 23 | $ 5,045,000 | $ 219,347 | $ 91,000 |
| Rocky Mount, NC | 23 | $ 3,595,000 | $ 156,304 | $ 67,000 |
| Twin Falls, ID | 23 | $ 4,835,000 | $ 210,217 | $ 92,000 |
| Mankato-North Mankato, MN | 22 | $ 5,420,000 | $ 246,363 | $ 106,000 |
| Terre Haute, IN | 22 | $ 3,450,000 | $ 156,818 | $ 83,000 |
| Wausau, WI | 22 | $ 4,330,000 | $ 196,818 | $ 96,000 |
| Williamsport, PA | 22 | $ 3,780,000 | $ 171,818 | $ 89,000 |
| Anniston-Oxford-Jacksonville, AL | 21 | $ 3,125,000 | $ 148,809 | $ 64,000 |
| Kahului-Wailuku-Lahaina, HI | 21 | $ 9,885,000 | $ 470,714 | $ 176,000 |
| Bloomington, IL | 20 | $ 3,390,000 | $ 169,500 | $ 95,000 |
| Columbus, IN | 20 | $ 3,320,000 | $ 166,000 | $ 90,000 |
| Joplin, MO | 20 | $ 3,150,000 | $ 157,500 | $ 61,000 |
| Walla Walla, WA | 20 | $ 4,470,000 | $ 223,500 | $ 108,000 |
| St. Joseph, MO-KS | 19 | $ 3,025,000 | $ 159,210 | $ 67,000 |
| Springfield, IL | 18 | $ 3,150,000 | $ 175,000 | $ 122,000 |
| Syracuse, NY | 18 | $ 3,790,000 | $ 210,555 | $ 94,000 |
| Grand Forks, ND-MN | 17 | $ 3,245,000 | $ 190,882 | $ 89,529 |
| Owensboro, KY | 17 | $ 2,185,000 | $ 128,529 | $ 54,000 |
| Altoona, PA | 16 | $ 2,200,000 | $ 137,500 | $ 70,000 |
| Great Falls, MT | 16 | $ 3,210,000 | $ 200,625 | $ 86,000 |
| Kingston, NY | 16 | $ 4,100,000 | $ 256,250 | $ 193,000 |
| Iowa City, IA | 15 | $ 2,825,000 | $ 188,333 | $ 78,000 |
| Jefferson City, MO | 15 | $ 2,665,000 | $ 177,666 | $ 113,000 |
| La Crosse-Onalaska, WI-MN | 15 | $ 2,595,000 | $ 173,000 | $ 73,666 |
| Cape Girardeau, MO-IL | 14 | $ 2,690,000 | $ 192,142 | $ 134,000 |
| Mansfield, OH | 14 | $ 2,190,000 | $ 156,428 | $ 68,000 |
| Pittsfield, MA | 13 | $ 4,125,000 | $ 317,307 | $ 142,000 |
| Pocatello, ID | 13 | $ 2,375,000 | $ 182,692 | $ 74,000 |
| Texarkana, TX-AR | 13 | $ 2,175,000 | $ 167,307 | $ 239,538 |
| Bloomsburg-Berwick, PA | 12 | $ 1,580,000 | $ 131,666 | $ 75,000 |
| Burlington-South Burlington, VT | 12 | $ 4,350,000 | $ 362,500 | $ 150,000 |
| Lawton, OK | 12 | $ 2,440,000 | $ 203,333 | $ 89,000 |
| Lawrence, KS | 11 | $ 2,555,000 | $ 232,272 | $ 112,000 |
| Sioux City, IA-NE-SD | 11 | $ 2,035,000 | $ 185,000 | $ 75,000 |
| Ames, IA | 10 | $ 1,830,000 | $ 183,000 | $ 76,000 |
| Carbondale-Marion, IL | 10 | $ 1,730,000 | $ 173,000 | $ 97,000 |
| Casper, WY | 10 | $ 1,890,000 | $ 189,000 | $ 80,000 |
| Dubuque, IA | 10 | $ 1,850,000 | $ 185,000 | $ 73,000 |
| Grand Island, NE | 10 | $ 1,540,000 | $ 154,000 | $ 59,000 |
| Johnstown, PA | 10 | $ 1,100,000 | $ 110,000 | $ 61,000 |
| Kokomo, IN | 10 | $ 1,360,000 | $ 136,000 | $ 64,000 |
| Hot Springs, AR | 9 | $ 2,335,000 | $ 259,444 | $ 94,000 |
| Muncie, IN | 9 | $ 1,075,000 | $ 119,444 | $ 47,000 |
| Cumberland, MD-WV | 8 | $ 1,250,000 | $ 156,250 | $ 57,125 |
| Decatur, IL | 8 | $ 1,020,000 | $ 127,500 | $ 56,000 |
| Manhattan, KS | 8 | $ 1,640,000 | $ 205,000 | $ 42,000 |
| Topeka, KS | 8 | $ 1,560,000 | $ 195,000 | $ 92,000 |
| Danville, IL | 7 | $ 915,000 | $ 130,714 | $ 37,000 |
| Fort Smith, AR-OK | 7 | $ 1,095,000 | $ 156,428 | $ 46,000 |
| Glens Falls, NY | 7 | $ 2,215,000 | $ 316,428 | $ 110,000 |
| Lima, OH | 7 | $ 1,365,000 | $ 195,000 | $ 291,000 |
| Waterloo-Cedar Falls, IA | 7 | $ 1,275,000 | $ 182,142 | $ 68,000 |
| Wheeling, WV-OH | 7 | $ 1,255,000 | $ 179,285 | $ 77,285 |
| Binghamton, NY | 6 | $ 1,170,000 | $ 195,000 | $ 140,000 |
| Charleston, WV | 6 | $ 1,370,000 | $ 228,333 | $ 98,000 |
| Beckley, WV | 4 | $ 510,000 | $ 127,500 | $ 48,000 |
| Morgantown, WV | 4 | $ 1,310,000 | $ 327,500 | $ 167,000 |
| Utica-Rome, NY | 4 | $ 630,000 | $ 157,500 | $ 81,000 |
| Fairbanks, AK | 3 | $ 815,000 | $ 271,666 | $ 23,000 |
| Watertown-Fort Drum, NY | 3 | $ 645,000 | $ 215,000 | $ 57,000 |
| Bangor, ME | 2 | $ 380,000 | $ 190,000 | $ 95,000 |
| Ithaca, NY | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Pine Bluff, AR | 2 | $ 420,000 | $ 210,000 | $ 97,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 420,000 | $ 210,000 | $ 99,000 |
| Elmira, NY | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Enid, OK | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Parkersburg-Vienna, WV | 1 | $ 265,000 | $ 265,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company, Li in 2020
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 | 97,665 | $29,024,775,000 | $297,000 | $3,255,000 | $135,000 | $9,792,000 |
| Home Purchase | 51,911 | $13,776,010,000 | $265,000 | $4,085,000 | $107,000 | $9,750,000 |
| Cash-out Refinancing | 38,434 | $9,933,130,000 | $258,000 | $2,745,000 | $120,000 | $9,717,000 |
| Home Improvement | 9,754 | $2,436,140,000 | $249,000 | $2,625,000 | $109,000 | $7,055,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 106,749 | $29,582,480,000 | $277,000 | $4,085,000 | $126,000 | $9,717,000 |
| Not Provided | 45,035 | $12,342,825,000 | $274,000 | $3,255,000 | $123,000 | $9,792,000 |
| Hispanic | 18,035 | $4,806,985,000 | $266,000 | $2,035,000 | $102,000 | $9,750,000 |
| Black or African American | 12,227 | $3,001,545,000 | $245,000 | $3,205,000 | $91,000 | $2,778,000 |
| Asian | 11,079 | $3,859,145,000 | $348,000 | $1,735,000 | $158,000 | $8,130,000 |
| American Indian or Alaskan Native | 722 | $197,870,000 | $274,000 | $1,005,000 | $112,000 | $2,292,000 |
| Native Hawaiian or Other Pacific Islander | 400 | $141,640,000 | $354,000 | $1,725,000 | $102,000 | $960,000 |
| 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) | 150,703 | $43,106,000,000 | $286,000 | $4,085,000 | $141,000 | $9,792,000 |
| FHA-insured (Federal Housing Administration) | 30,276 | $6,943,340,000 | $229,000 | $1,505,000 | $70,000 | $4,200,000 |
| VA-guaranteed (Veterans Administration) | 14,646 | $4,741,200,000 | $323,000 | $2,245,000 | $65,000 | $4,860,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,139 | $379,515,000 | $177,000 | $665,000 | $56,000 | $900,000 |
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 | 92,867 | $26,861,475,000 | $289,000 | $3,005,000 | $115,000 | $5,611,000 |
| Application Denied By Financial Institution | 59,386 | $16,042,325,000 | $270,000 | $3,255,000 | $132,000 | $9,792,000 |
| Application Withdrawn By Applicant | 33,370 | $8,813,430,000 | $264,000 | $4,085,000 | $136,000 | $9,717,000 |
| Application Approved But Not Accepted | 11,212 | $3,228,980,000 | $287,000 | $2,865,000 | $117,000 | $3,814,000 |
| File Closed For Incompleteness | 797 | $194,585,000 | $244,000 | $2,195,000 | $101,000 | $2,897,000 |
| Preapproval Denied by Financial Institution | 128 | $28,130,000 | $219,000 | $655,000 | $64,000 | $289,000 |
| Preapproval Approved but not Accepted | 4 | $1,130,000 | $282,000 | $335,000 | $70,000 | $91,000 |
| Loan Purchased By The 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 | 138,250 | $39,099,600,000 | $282,000 | $4,085,000 | $120,000 | $9,717,000 |
| Credit Application Incomplete | 45,359 | $12,582,875,000 | $277,000 | $3,255,000 | $149,000 | $9,792,000 |
| Debt-To-Income Ratio | 9,680 | $2,473,005,000 | $255,000 | $2,245,000 | $65,000 | $1,878,000 |
| Credit History | 2,433 | $493,065,000 | $202,000 | $1,555,000 | $106,000 | $3,300,000 |
| Collateral | 666 | $159,630,000 | $239,000 | $875,000 | $102,000 | $1,595,000 |
| Other | 635 | $170,155,000 | $267,000 | $2,625,000 | $130,000 | $8,100,000 |
| Employment History | 438 | $112,580,000 | $257,000 | $1,245,000 | $92,000 | $1,378,000 |
| Unverifiable Information | 184 | $52,290,000 | $284,000 | $1,045,000 | $111,000 | $1,295,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 117 | $26,625,000 | $227,000 | $1,105,000 | $73,000 | $659,000 |
| Mortgage Insurance Denied | 2 | $230,000 | $115,000 | $135,000 | $67,000 | $75,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company, Li's 2020 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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