Cardinal Financial Company Mortgage Lending & HMDA Data, 2004
In 2004, Cardinal Financial Company of Warminster, PA reported 5,655 mortgage applications totaling $828.5 million, down 36% from 2003. The average application was for $146,498, and applicants reported an average income of $65,495. 62% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Philadelphia, PA (1,465), Allentown-Bethlehem-Easton, PA-NJ (532) and Baltimore-Towson, MD (491) (applications in parentheses).
| Mortgage Company & Address | Cardinal Financial Company 444 Jacksonville Road Warminster, PA 18974 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,655 |
| Total Mortgage Loan Application Amount | $828,451,000 |
| Average Mortgage Loan Application Amount | $146,498 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $65,495 |
| Highest Applicant Income | $1,136,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cardinal Financial Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia, Pennsylvania | 559 | $ 56,602,000 | $ 101,255 | $ 66,000 |
| Prince George's, Maryland | 439 | $ 85,207,000 | $ 194,093 | $ 67,000 |
| Lehigh, Pennsylvania | 397 | $ 47,141,000 | $ 118,743 | $ 48,000 |
| Montgomery, Pennsylvania | 385 | $ 52,866,000 | $ 137,314 | $ 84,000 |
| Bucks, Pennsylvania | 339 | $ 48,944,000 | $ 144,377 | $ 81,000 |
| Burlington, New Jersey | 193 | $ 27,176,000 | $ 140,808 | $ 67,000 |
| Baltimore, Maryland | 148 | $ 24,193,000 | $ 163,466 | $ 63,000 |
| Anne Arundel, Maryland | 143 | $ 28,971,000 | $ 202,594 | $ 69,000 |
| New Castle, Delaware | 125 | $ 17,030,000 | $ 136,240 | $ 70,000 |
| Montgomery, Maryland | 125 | $ 25,509,000 | $ 204,072 | $ 65,000 |
| Northampton, Pennsylvania | 125 | $ 15,032,000 | $ 120,256 | $ 56,000 |
| Lancaster, Pennsylvania | 112 | $ 13,297,000 | $ 118,723 | $ 44,000 |
| Camden, New Jersey | 111 | $ 13,595,000 | $ 122,477 | $ 64,000 |
| Delaware, Pennsylvania | 93 | $ 10,340,000 | $ 111,182 | $ 62,000 |
| Chester, Pennsylvania | 89 | $ 13,534,000 | $ 152,067 | $ 78,000 |
| District of Columbia, District Of Columbia | 79 | $ 14,929,000 | $ 188,974 | $ 82,000 |
| Baltimore City, Maryland | 70 | $ 7,629,000 | $ 108,985 | $ 52,000 |
| Gloucester, New Jersey | 68 | $ 9,294,000 | $ 136,676 | $ 68,000 |
| York, Pennsylvania | 67 | $ 6,769,000 | $ 101,029 | $ 47,000 |
| Berks, Pennsylvania | 61 | $ 6,260,000 | $ 102,622 | $ 49,000 |
| Charles, Maryland | 54 | $ 10,780,000 | $ 199,629 | $ 87,000 |
| Frederick, Maryland | 54 | $ 11,108,000 | $ 205,703 | $ 56,000 |
| Allegheny, Pennsylvania | 54 | $ 5,928,000 | $ 109,777 | $ 42,000 |
| Howard, Maryland | 53 | $ 12,042,000 | $ 227,207 | $ 90,000 |
| Virginia Beach, Virginia | 53 | $ 8,003,000 | $ 151,000 | $ 57,000 |
| Shelby, Tennessee | 51 | $ 5,574,000 | $ 109,294 | $ 75,000 |
| Carroll, Maryland | 46 | $ 8,755,000 | $ 190,326 | $ 91,000 |
| Atlantic, New Jersey | 46 | $ 6,671,000 | $ 145,021 | $ 67,000 |
| Ocean, New Jersey | 46 | $ 8,765,000 | $ 190,543 | $ 60,000 |
| Fairfax, Virginia | 40 | $ 9,027,000 | $ 225,675 | $ 78,000 |
| Prince William, Virginia | 40 | $ 8,874,000 | $ 221,850 | $ 66,000 |
| Marion, Indiana | 36 | $ 3,502,000 | $ 97,277 | $ 28,000 |
| Dauphin, Pennsylvania | 36 | $ 2,902,000 | $ 80,611 | $ 49,000 |
| Monroe, Pennsylvania | 36 | $ 5,993,000 | $ 166,472 | $ 74,000 |
| Sussex, Delaware | 33 | $ 7,446,000 | $ 225,636 | $ 94,000 |
| Wayne, Michigan | 32 | $ 3,230,000 | $ 100,937 | $ 44,000 |
| Calvert, Maryland | 26 | $ 5,216,000 | $ 200,615 | $ 78,000 |
| Cape May, New Jersey | 26 | $ 6,443,000 | $ 247,807 | $ 163,000 |
| Harford, Maryland | 24 | $ 3,243,000 | $ 135,125 | $ 59,000 |
| Wicomico, Maryland | 21 | $ 2,454,000 | $ 116,857 | $ 59,000 |
| Culpeper, Virginia | 19 | $ 3,259,000 | $ 171,526 | $ 81,000 |
| Cumberland, New Jersey | 18 | $ 1,694,000 | $ 94,111 | $ 76,000 |
| Cumberland, Pennsylvania | 18 | $ 2,435,000 | $ 135,277 | $ 58,000 |
| Broward, Florida | 17 | $ 3,113,000 | $ 183,117 | $ 76,000 |
| Essex, New Jersey | 17 | $ 3,925,000 | $ 230,882 | $ 68,000 |
| Union, New Jersey | 17 | $ 3,175,000 | $ 186,764 | $ 96,000 |
| Catawba, North Carolina | 17 | $ 1,581,000 | $ 93,000 | $ 51,000 |
| Chesterfield, Virginia | 17 | $ 2,236,000 | $ 131,529 | $ 53,000 |
| Washington, Maryland | 16 | $ 2,102,000 | $ 131,375 | $ 54,000 |
| Loudoun, Virginia | 16 | $ 4,502,000 | $ 281,375 | $ 109,000 |
| Worcester, Maryland | 15 | $ 4,080,000 | $ 272,000 | $ 123,000 |
| Chesapeake, Virginia | 15 | $ 2,374,000 | $ 158,266 | $ 60,000 |
| Henrico, Virginia | 15 | $ 1,601,000 | $ 106,733 | $ 50,000 |
| Norfolk, Virginia | 15 | $ 1,765,000 | $ 117,666 | $ 64,000 |
| St. Mary's, Maryland | 14 | $ 2,595,000 | $ 185,357 | $ 77,000 |
| Oakland, Michigan | 14 | $ 1,756,000 | $ 125,428 | $ 59,000 |
| Cecil, Maryland | 13 | $ 2,232,000 | $ 171,692 | $ 80,000 |
| Mercer, New Jersey | 13 | $ 1,551,000 | $ 119,307 | $ 60,000 |
| Monmouth, New Jersey | 13 | $ 2,638,000 | $ 202,923 | $ 72,000 |
| Lebanon, Pennsylvania | 13 | $ 2,092,000 | $ 160,923 | $ 79,000 |
| DeKalb, Georgia | 12 | $ 2,009,000 | $ 167,416 | $ 77,000 |
| Fulton, Georgia | 12 | $ 1,640,000 | $ 136,666 | $ 102,000 |
| Somerset, New Jersey | 12 | $ 2,736,000 | $ 228,000 | $ 72,000 |
| Luzerne, Pennsylvania | 11 | $ 1,019,000 | $ 92,636 | $ 63,000 |
| Richland, South Carolina | 11 | $ 919,000 | $ 83,545 | $ 53,000 |
| Hartford, Connecticut | 10 | $ 1,660,000 | $ 166,000 | $ 54,000 |
| Orange, Florida | 10 | $ 1,200,000 | $ 120,000 | $ 39,000 |
| Carbon, Pennsylvania | 10 | $ 977,000 | $ 97,700 | $ 55,000 |
| Rutherford, Tennessee | 10 | $ 1,125,000 | $ 112,500 | $ 45,000 |
| Spotsylvania, Virginia | 10 | $ 1,681,000 | $ 168,100 | $ 67,000 |
| Kent, Delaware | 9 | $ 1,363,000 | $ 151,444 | $ 86,000 |
| Bristol, Massachusetts | 9 | $ 1,728,000 | $ 192,000 | $ 40,000 |
| Middlesex, New Jersey | 9 | $ 2,160,000 | $ 240,000 | $ 97,000 |
| Passaic, New Jersey | 9 | $ 2,218,000 | $ 246,444 | $ 62,000 |
| Warren, New Jersey | 9 | $ 1,117,000 | $ 124,111 | $ 58,000 |
| Stafford, Virginia | 9 | $ 2,159,000 | $ 239,888 | $ 36,000 |
| St. Lucie, Florida | 8 | $ 999,000 | $ 124,875 | $ 51,000 |
| Bergen, New Jersey | 8 | $ 1,940,000 | $ 242,500 | $ 113,000 |
| Gaston, North Carolina | 8 | $ 610,000 | $ 76,250 | $ 18,000 |
| Wake, North Carolina | 8 | $ 1,021,000 | $ 127,625 | $ 59,000 |
| Adams, Pennsylvania | 8 | $ 1,443,000 | $ 180,375 | $ 64,000 |
| Schuylkill, Pennsylvania | 8 | $ 697,000 | $ 87,125 | $ 36,000 |
| Greenville, South Carolina | 8 | $ 857,000 | $ 107,125 | $ 49,000 |
| Portsmouth, Virginia | 8 | $ 912,000 | $ 114,000 | $ 48,000 |
| New Haven, Connecticut | 7 | $ 1,075,000 | $ 153,571 | $ 46,000 |
| Brevard, Florida | 7 | $ 698,000 | $ 99,714 | $ 49,000 |
| Miami-Dade, Florida | 7 | $ 1,243,000 | $ 177,571 | $ 47,000 |
| Queen Anne's, Maryland | 7 | $ 1,232,000 | $ 176,000 | $ 64,000 |
| Plymouth, Massachusetts | 7 | $ 1,151,000 | $ 164,428 | $ 72,000 |
| Suffolk, Massachusetts | 7 | $ 2,082,000 | $ 297,428 | $ 89,000 |
| Westmoreland, Pennsylvania | 7 | $ 959,000 | $ 137,000 | $ 60,000 |
| Davidson, Tennessee | 7 | $ 645,000 | $ 92,142 | $ 44,000 |
| Richmond City, Virginia | 7 | $ 903,000 | $ 129,000 | $ 78,000 |
| Gwinnett, Georgia | 6 | $ 1,001,000 | $ 166,833 | $ 73,000 |
| Guilford, North Carolina | 6 | $ 798,000 | $ 133,000 | $ 52,000 |
| Mecklenburg, North Carolina | 6 | $ 557,000 | $ 92,833 | $ 43,000 |
| Florence, South Carolina | 6 | $ 487,000 | $ 81,166 | $ 96,000 |
| Spartanburg, South Carolina | 6 | $ 631,000 | $ 105,166 | $ 40,000 |
| Alexandria, Virginia | 6 | $ 1,331,000 | $ 221,833 | $ 231,000 |
| Hampton, Virginia | 6 | $ 681,000 | $ 113,500 | $ 46,000 |
| Suffolk, Virginia | 6 | $ 918,000 | $ 153,000 | $ 58,000 |
| Duval, Florida | 5 | $ 480,000 | $ 96,000 | $ 102,000 |
| Allen, Indiana | 5 | $ 468,000 | $ 93,600 | $ 0 |
| Hamilton, Indiana | 5 | $ 616,000 | $ 123,200 | $ 0 |
| Tippecanoe, Indiana | 5 | $ 676,000 | $ 135,200 | $ 49,000 |
| Caroline, Maryland | 5 | $ 480,000 | $ 96,000 | $ 172,000 |
| Essex, Massachusetts | 5 | $ 937,000 | $ 187,400 | $ 20,000 |
| Kent, Michigan | 5 | $ 565,000 | $ 113,000 | $ 31,000 |
| Hudson, New Jersey | 5 | $ 1,010,000 | $ 202,000 | $ 74,000 |
| Salem, New Jersey | 5 | $ 646,000 | $ 129,200 | $ 33,000 |
| Franklin, Pennsylvania | 5 | $ 710,000 | $ 142,000 | $ 63,000 |
| Lawrence, Pennsylvania | 5 | $ 703,000 | $ 140,600 | $ 61,000 |
| Washington, Pennsylvania | 5 | $ 674,000 | $ 134,800 | $ 34,000 |
| Charleston, South Carolina | 5 | $ 704,000 | $ 140,800 | $ 37,000 |
| Hanover, Virginia | 5 | $ 731,000 | $ 146,200 | $ 83,000 |
| Russell, Alabama | 4 | $ 408,000 | $ 102,000 | $ 863,000 |
| Tolland, Connecticut | 4 | $ 736,000 | $ 184,000 | $ 64,000 |
| Collier, Florida | 4 | $ 1,060,000 | $ 265,000 | $ 288,000 |
| Palm Beach, Florida | 4 | $ 779,000 | $ 194,750 | $ 47,000 |
| Pinellas, Florida | 4 | $ 787,000 | $ 196,750 | $ 158,000 |
| Clayton, Georgia | 4 | $ 419,000 | $ 104,750 | $ 91,000 |
| Muscogee, Georgia | 4 | $ 598,000 | $ 149,500 | $ 356,000 |
| Jefferson, Kentucky | 4 | $ 394,000 | $ 98,500 | $ 37,000 |
| Talbot, Maryland | 4 | $ 661,000 | $ 165,250 | $ 113,000 |
| Middlesex, Massachusetts | 4 | $ 1,073,000 | $ 268,250 | $ 26,000 |
| Grand Traverse, Michigan | 4 | $ 486,000 | $ 121,500 | $ 85,000 |
| Cleveland, North Carolina | 4 | $ 252,000 | $ 63,000 | $ 147,000 |
| Davidson, North Carolina | 4 | $ 454,000 | $ 113,500 | $ 46,000 |
| Iredell, North Carolina | 4 | $ 421,000 | $ 105,250 | $ 46,000 |
| Beaver, Pennsylvania | 4 | $ 494,000 | $ 123,500 | $ 59,000 |
| Cambria, Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 44,000 |
| Cheatham, Tennessee | 4 | $ 370,000 | $ 92,500 | $ 39,000 |
| Dickson, Tennessee | 4 | $ 423,000 | $ 105,750 | $ 39,000 |
| Madison, Tennessee | 4 | $ 238,000 | $ 59,500 | $ 25,000 |
| Amelia, Virginia | 4 | $ 428,000 | $ 107,000 | $ 45,000 |
| Arlington, Virginia | 4 | $ 890,000 | $ 222,500 | $ 77,000 |
| Manassas, Virginia | 4 | $ 650,000 | $ 162,500 | $ 71,000 |
| Newport News, Virginia | 4 | $ 413,000 | $ 103,250 | $ 58,000 |
| Litchfield, Connecticut | 3 | $ 586,000 | $ 195,333 | $ 74,000 |
| Middlesex, Connecticut | 3 | $ 375,000 | $ 125,000 | $ 56,000 |
| Bay, Florida | 3 | $ 512,000 | $ 170,666 | $ 49,000 |
| Indian River, Florida | 3 | $ 368,000 | $ 122,666 | $ 30,000 |
| Martin, Florida | 3 | $ 563,000 | $ 187,666 | $ 56,000 |
| Osceola, Florida | 3 | $ 392,000 | $ 130,666 | $ 27,000 |
| Volusia, Florida | 3 | $ 418,000 | $ 139,333 | $ 47,000 |
| Cobb, Georgia | 3 | $ 477,000 | $ 159,000 | $ 64,000 |
| Douglas, Georgia | 3 | $ 444,000 | $ 148,000 | $ 400,000 |
| Elkhart, Indiana | 3 | $ 212,000 | $ 70,666 | $ 19,000 |
| Hendricks, Indiana | 3 | $ 386,000 | $ 128,666 | $ 23,000 |
| Dubuque, Iowa | 3 | $ 181,000 | $ 60,333 | $ 27,000 |
| Allegany, Maryland | 3 | $ 278,000 | $ 92,666 | $ 67,000 |
| Kent, Maryland | 3 | $ 535,000 | $ 178,333 | $ 164,000 |
| Somerset, Maryland | 3 | $ 195,000 | $ 65,000 | $ 54,000 |
| Norfolk, Massachusetts | 3 | $ 1,010,000 | $ 336,666 | $ 129,000 |
| Macomb, Michigan | 3 | $ 404,000 | $ 134,666 | $ 50,000 |
| Hennepin, Minnesota | 3 | $ 932,000 | $ 310,666 | $ 78,000 |
| Cumberland, North Carolina | 3 | $ 361,000 | $ 120,333 | $ 39,000 |
| Centre, Pennsylvania | 3 | $ 306,000 | $ 102,000 | $ 57,000 |
| Crawford, Pennsylvania | 3 | $ 200,000 | $ 66,666 | $ 44,000 |
| Lackawanna, Pennsylvania | 3 | $ 280,000 | $ 93,333 | $ 50,000 |
| Perry, Pennsylvania | 3 | $ 328,000 | $ 109,333 | $ 73,000 |
| Horry, South Carolina | 3 | $ 585,000 | $ 195,000 | $ 162,000 |
| Sumner, Tennessee | 3 | $ 340,000 | $ 113,333 | $ 29,000 |
| Fauquier, Virginia | 3 | $ 658,000 | $ 219,333 | $ 62,000 |
| Louisa, Virginia | 3 | $ 432,000 | $ 144,000 | $ 66,000 |
| Williamsburg, Virginia | 3 | $ 605,000 | $ 201,666 | $ 164,000 |
| Jefferson, West Virginia | 3 | $ 719,000 | $ 239,666 | $ 59,000 |
| Wayne, West Virginia | 3 | $ 177,000 | $ 59,000 | $ 36,000 |
| Baldwin, Alabama | 2 | $ 145,000 | $ 72,500 | $ 55,000 |
| Cullman, Alabama | 2 | $ 144,000 | $ 72,000 | $ 47,000 |
| El Paso, Colorado | 2 | $ 230,000 | $ 115,000 | $ 48,000 |
| Fairfield, Connecticut | 2 | $ 411,000 | $ 205,500 | $ 44,000 |
| New London, Connecticut | 2 | $ 488,000 | $ 244,000 | $ 77,000 |
| Lee, Florida | 2 | $ 520,000 | $ 260,000 | $ 173,000 |
| Polk, Florida | 2 | $ 194,000 | $ 97,000 | $ 103,000 |
| Sarasota, Florida | 2 | $ 344,000 | $ 172,000 | $ 77,000 |
| St. Johns, Florida | 2 | $ 342,000 | $ 171,000 | $ 90,000 |
| Bartow, Georgia | 2 | $ 210,000 | $ 105,000 | $ 46,000 |
| Camden, Georgia | 2 | $ 219,000 | $ 109,500 | $ 42,000 |
| Floyd, Georgia | 2 | $ 138,000 | $ 69,000 | $ 32,000 |
| Hall, Georgia | 2 | $ 266,000 | $ 133,000 | $ 47,000 |
| Newton, Georgia | 2 | $ 205,000 | $ 102,500 | $ 1,136,000 |
| Rockdale, Georgia | 2 | $ 189,000 | $ 94,500 | $ 16,000 |
| Vigo, Indiana | 2 | $ 136,000 | $ 68,000 | $ 31,000 |
| Linn, Iowa | 2 | $ 181,000 | $ 90,500 | $ 0 |
| Dorchester, Maryland | 2 | $ 262,000 | $ 131,000 | $ 43,000 |
| Hampshire, Massachusetts | 2 | $ 404,000 | $ 202,000 | $ 31,000 |
| Genesee, Michigan | 2 | $ 241,000 | $ 120,500 | $ 26,000 |
| Jackson, Michigan | 2 | $ 142,000 | $ 71,000 | $ 28,000 |
| Manistee, Michigan | 2 | $ 129,000 | $ 64,500 | $ 54,000 |
| Saginaw, Michigan | 2 | $ 118,000 | $ 59,000 | $ 56,000 |
| St. Clair, Michigan | 2 | $ 175,000 | $ 87,500 | $ 57,000 |
| Ramsey, Minnesota | 2 | $ 1,012,000 | $ 506,000 | $ 223,000 |
| Hunterdon, New Jersey | 2 | $ 525,000 | $ 262,500 | $ 98,000 |
| Morris, New Jersey | 2 | $ 733,000 | $ 366,500 | $ 198,000 |
| Buncombe, North Carolina | 2 | $ 365,000 | $ 182,500 | $ 51,000 |
| Cabarrus, North Carolina | 2 | $ 275,000 | $ 137,500 | $ 86,000 |
| Forsyth, North Carolina | 2 | $ 243,000 | $ 121,500 | $ 40,000 |
| Henderson, North Carolina | 2 | $ 254,000 | $ 127,000 | $ 47,000 |
| Lincoln, North Carolina | 2 | $ 260,000 | $ 130,000 | $ 63,000 |
| New Hanover, North Carolina | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Randolph, North Carolina | 2 | $ 195,000 | $ 97,500 | $ 28,000 |
| Watauga, North Carolina | 2 | $ 238,000 | $ 119,000 | $ 204,000 |
| Erie, Pennsylvania | 2 | $ 311,000 | $ 155,500 | $ 60,000 |
| Indiana, Pennsylvania | 2 | $ 204,000 | $ 102,000 | $ 60,000 |
| Mifflin, Pennsylvania | 2 | $ 175,000 | $ 87,500 | $ 90,000 |
| Pike, Pennsylvania | 2 | $ 281,000 | $ 140,500 | $ 75,000 |
| Venango, Pennsylvania | 2 | $ 136,000 | $ 68,000 | $ 28,000 |
| Cherokee, South Carolina | 2 | $ 174,000 | $ 87,000 | $ 28,000 |
| Dorchester, South Carolina | 2 | $ 325,000 | $ 162,500 | $ 65,000 |
| Bedford, Tennessee | 2 | $ 238,000 | $ 119,000 | $ 35,000 |
| Hamilton, Tennessee | 2 | $ 178,000 | $ 89,000 | $ 49,000 |
| Robertson, Tennessee | 2 | $ 256,000 | $ 128,000 | $ 132,000 |
| Prince George, Virginia | 2 | $ 286,000 | $ 143,000 | $ 10,000 |
| Warren, Virginia | 2 | $ 540,000 | $ 270,000 | $ 87,000 |
| Berkeley, West Virginia | 2 | $ 204,000 | $ 102,000 | $ 42,000 |
| Randolph, Alabama | 1 | $ 176,000 | $ 176,000 | $ 44,000 |
| Tuscaloosa, Alabama | 1 | $ 81,000 | $ 81,000 | $ 72,000 |
| Archuleta, Colorado | 1 | $ 98,000 | $ 98,000 | $ 64,000 |
| Denver, Colorado | 1 | $ 61,000 | $ 61,000 | $ 79,000 |
| Jefferson, Colorado | 1 | $ 223,000 | $ 223,000 | $ 122,000 |
| Windham, Connecticut | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Alachua, Florida | 1 | $ 208,000 | $ 208,000 | $ 102,000 |
| Charlotte, Florida | 1 | $ 76,000 | $ 76,000 | $ 69,000 |
| Clay, Florida | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Hillsborough, Florida | 1 | $ 102,000 | $ 102,000 | $ 36,000 |
| Leon, Florida | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| Monroe, Florida | 1 | $ 150,000 | $ 150,000 | $ 114,000 |
| Nassau, Florida | 1 | $ 68,000 | $ 68,000 | $ 115,000 |
| Sumter, Florida | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Catoosa, Georgia | 1 | $ 77,000 | $ 77,000 | $ 29,000 |
| Chatham, Georgia | 1 | $ 487,000 | $ 487,000 | $ 140,000 |
| Crisp, Georgia | 1 | $ 194,000 | $ 194,000 | $ 36,000 |
| Dade, Georgia | 1 | $ 121,000 | $ 121,000 | $ 25,000 |
| Habersham, Georgia | 1 | $ 262,000 | $ 262,000 | $ 90,000 |
| Henry, Georgia | 1 | $ 189,000 | $ 189,000 | $ 78,000 |
| Paulding, Georgia | 1 | $ 112,000 | $ 112,000 | $ 60,000 |
| Polk, Georgia | 1 | $ 74,000 | $ 74,000 | $ 18,000 |
| Benton, Indiana | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Boone, Indiana | 1 | $ 72,000 | $ 72,000 | $ 104,000 |
| Clark, Indiana | 1 | $ 133,000 | $ 133,000 | $ 72,000 |
| Clinton, Indiana | 1 | $ 114,000 | $ 114,000 | $ 54,000 |
| Delaware, Indiana | 1 | $ 67,000 | $ 67,000 | $ 49,000 |
| Hancock, Indiana | 1 | $ 153,000 | $ 153,000 | $ 83,000 |
| Kosciusko, Indiana | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Lawrence, Indiana | 1 | $ 74,000 | $ 74,000 | $ 39,000 |
| Madison, Indiana | 1 | $ 83,000 | $ 83,000 | $ 46,000 |
| Marshall, Indiana | 1 | $ 84,000 | $ 84,000 | $ 55,000 |
| Owen, Indiana | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Rush, Indiana | 1 | $ 71,000 | $ 71,000 | $ 49,000 |
| St. Joseph, Indiana | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Vanderburgh, Indiana | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Boone, Iowa | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Jackson, Iowa | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Louisa, Iowa | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Polk, Iowa | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Scott, Iowa | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Bullitt, Kentucky | 1 | $ 196,000 | $ 196,000 | $ 130,000 |
| Campbell, Kentucky | 1 | $ 213,000 | $ 213,000 | $ 101,000 |
| Hardin, Kentucky | 1 | $ 62,000 | $ 62,000 | $ 50,000 |
| Hopkins, Kentucky | 1 | $ 59,000 | $ 59,000 | $ 25,000 |
| Laurel, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| McCracken, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Oldham, Kentucky | 1 | $ 730,000 | $ 730,000 | $ 144,000 |
| Trigg, Kentucky | 1 | $ 93,000 | $ 93,000 | $ 38,000 |
| Barnstable, Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 48,000 |
| Hampden, Massachusetts | 1 | $ 150,000 | $ 150,000 | $ 35,000 |
| Worcester, Massachusetts | 1 | $ 209,000 | $ 209,000 | $ 51,000 |
| Benzie, Michigan | 1 | $ 910,000 | $ 910,000 | $ 0 |
| Delta, Michigan | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Lapeer, Michigan | 1 | $ 198,000 | $ 198,000 | $ 80,000 |
| Leelanau, Michigan | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Otsego, Michigan | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Ottawa, Michigan | 1 | $ 311,000 | $ 311,000 | $ 68,000 |
| Roscommon, Michigan | 1 | $ 243,000 | $ 243,000 | $ 77,000 |
| Washtenaw, Michigan | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Scott, Minnesota | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Wadena, Minnesota | 1 | $ 134,000 | $ 134,000 | $ 48,000 |
| Wright, Minnesota | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Clark, Nevada | 1 | $ 188,000 | $ 188,000 | $ 73,000 |
| Sussex, New Jersey | 1 | $ 233,000 | $ 233,000 | $ 77,000 |
| Caldwell, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 41,000 |
| Durham, North Carolina | 1 | $ 104,000 | $ 104,000 | $ 34,000 |
| Franklin, North Carolina | 1 | $ 158,000 | $ 158,000 | $ 74,000 |
| Haywood, North Carolina | 1 | $ 102,000 | $ 102,000 | $ 82,000 |
| Johnston, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 47,000 |
| Lee, North Carolina | 1 | $ 236,000 | $ 236,000 | $ 73,000 |
| Lenoir, North Carolina | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Moore, North Carolina | 1 | $ 144,000 | $ 144,000 | $ 75,000 |
| Nash, North Carolina | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Pasquotank, North Carolina | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Rutherford, North Carolina | 1 | $ 92,000 | $ 92,000 | $ 20,000 |
| Surry, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Wilson, North Carolina | 1 | $ 187,000 | $ 187,000 | $ 68,000 |
| Armstrong, Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 73,000 |
| Bedford, Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Butler, Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
| Clearfield, Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 74,000 |
| Fulton, Pennsylvania | 1 | $ 361,000 | $ 361,000 | $ 135,000 |
| Greene, Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 20,000 |
| Mercer, Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 28,000 |
| Northumberland, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Susquehanna, Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 32,000 |
| Wayne, Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 157,000 |
| Berkeley, South Carolina | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Colleton, South Carolina | 1 | $ 82,000 | $ 82,000 | $ 34,000 |
| Dillon, South Carolina | 1 | $ 83,000 | $ 83,000 | $ 59,000 |
| Lexington, South Carolina | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Carroll, Tennessee | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Haywood, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Henderson, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Maury, Tennessee | 1 | $ 116,000 | $ 116,000 | $ 65,000 |
| Accomack, Virginia | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Albemarle, Virginia | 1 | $ 151,000 | $ 151,000 | $ 84,000 |
| Bedford, Virginia | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Botetourt, Virginia | 1 | $ 39,000 | $ 39,000 | $ 43,000 |
| Caroline, Virginia | 1 | $ 250,000 | $ 250,000 | $ 92,000 |
| Clarke, Virginia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Cumberland, Virginia | 1 | $ 129,000 | $ 129,000 | $ 42,000 |
| Essex, Virginia | 1 | $ 90,000 | $ 90,000 | $ 89,000 |
| Fairfax City, Virginia | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Frederick, Virginia | 1 | $ 136,000 | $ 136,000 | $ 66,000 |
| Gloucester, Virginia | 1 | $ 110,000 | $ 110,000 | $ 39,000 |
| Goochland, Virginia | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| James City, Virginia | 1 | $ 247,000 | $ 247,000 | $ 135,000 |
| Northumberland, Virginia | 1 | $ 244,000 | $ 244,000 | $ 359,000 |
| Nottoway, Virginia | 1 | $ 108,000 | $ 108,000 | $ 84,000 |
| Orange, Virginia | 1 | $ 184,000 | $ 184,000 | $ 66,000 |
| Petersburg, Virginia | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Poquoson, Virginia | 1 | $ 334,000 | $ 334,000 | $ 172,000 |
| Rappahannock, Virginia | 1 | $ 181,000 | $ 181,000 | $ 45,000 |
| Shenandoah, Virginia | 1 | $ 169,000 | $ 169,000 | $ 77,000 |
| Southampton, Virginia | 1 | $ 68,000 | $ 68,000 | $ 46,000 |
| Cabell, West Virginia | 1 | $ 99,000 | $ 99,000 | $ 73,000 |
| Greenbrier, West Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hampshire, West Virginia | 1 | $ 119,000 | $ 119,000 | $ 115,000 |
| Hardy, West Virginia | 1 | $ 66,000 | $ 66,000 | $ 66,000 |
| Mineral, West Virginia | 1 | $ 124,000 | $ 124,000 | $ 136,000 |
| Converse, Wyoming | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company in 2004
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 | 2,879 | $426,310,000 | $149,363 | $1,000,000 | $68,590 | $783,000 |
| Refinancing | 2,753 | $400,546,000 | $145,909 | $917,000 | $69,500 | $1,136,000 |
| Home Improvement | 23 | $1,595,000 | $113,000 | $243,000 | $120,000 | $425,000 |
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 | 3,750 | $534,495,000 | $154,954 | $1,000,000 | $81,681 | $1,136,000 |
| Black or African American | 1,082 | $165,999,000 | $137,176 | $711,000 | $54,470 | $900,000 |
| Not Provided | 388 | $56,608,000 | $142,277 | $440,000 | $59,500 | $511,000 |
| Hispanic | 241 | $37,392,000 | $145,600 | $400,000 | $56,066 | $188,000 |
| Asian | 149 | $26,202,000 | $212,083 | $621,000 | $76,500 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $4,986,000 | $215,428 | $650,000 | $51,142 | $209,000 |
| American Indian or Alaskan Native | 19 | $2,769,000 | $155,000 | $285,000 | $58,000 | $236,000 |
| 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) | 4,423 | $657,285,000 | $154,347 | $1,000,000 | $77,782 | $1,136,000 |
| FHA-insured (Federal Housing Administration) | 1,024 | $138,074,000 | $129,421 | $383,000 | $42,052 | $386,000 |
| VA-guaranteed (Veterans Administration) | 208 | $33,092,000 | $160,500 | $318,000 | $43,833 | $239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,509 | $505,576,000 | $136,428 | $916,000 | $58,000 | $780,000 |
| Application Withdrawn By Applicant | 1,015 | $159,087,000 | $148,650 | $1,000,000 | $76,150 | $900,000 |
| Application Denied By Financial Institution | 863 | $126,641,000 | $148,952 | $850,000 | $58,190 | $511,000 |
| Application Approved But Not Accepted | 268 | $37,147,000 | $149,900 | $910,000 | $69,350 | $1,136,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 167 | $24,582,000 | $141,888 | $395,000 | $42,611 | $240,000 |
| Other | 59 | $8,287,000 | $140,833 | $650,000 | $75,250 | $348,000 |
| Debt-To-Income Ratio | 32 | $5,146,000 | $149,222 | $400,000 | $45,000 | $150,000 |
| Collateral | 30 | $3,476,000 | $138,750 | $450,000 | $80,250 | $211,000 |
| Unverifiable Information | 5 | $721,000 | $130,750 | $235,000 | $56,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $169,000 | $84,500 | $92,000 | $122,000 | $206,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company's 2004 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'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 Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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