Cardinal Financial Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Cardinal Financial Company 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $144,750 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $73,291 |
| Highest Applicant Income | $1,136,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Cardinal Financial Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Cardinal Financial Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Cardinal Financial Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Cardinal Financial Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Cardinal Financial Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Cardinal Financial Company's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia County Pennsylvania | 559 | $ 56,602,000 | $ 101,000 | $ 66,000 |
| Prince George's County Maryland | 439 | $ 85,207,000 | $ 194,000 | $ 67,000 |
| Lehigh County Pennsylvania | 397 | $ 47,141,000 | $ 118,000 | $ 48,000 |
| Montgomery County Pennsylvania | 385 | $ 52,866,000 | $ 137,000 | $ 84,000 |
| Bucks County Pennsylvania | 339 | $ 48,944,000 | $ 144,000 | $ 81,000 |
| Burlington County New Jersey | 193 | $ 27,176,000 | $ 140,000 | $ 67,000 |
| Baltimore County Maryland | 148 | $ 24,193,000 | $ 163,000 | $ 63,000 |
| Anne Arundel County Maryland | 143 | $ 28,971,000 | $ 202,000 | $ 69,000 |
| New Castle County Delaware | 125 | $ 17,030,000 | $ 136,000 | $ 70,000 |
| Montgomery County Maryland | 125 | $ 25,509,000 | $ 204,000 | $ 65,000 |
| Northampton County Pennsylvania | 125 | $ 15,032,000 | $ 120,000 | $ 56,000 |
| Lancaster County Pennsylvania | 112 | $ 13,297,000 | $ 118,000 | $ 44,000 |
| Camden County New Jersey | 111 | $ 13,595,000 | $ 122,000 | $ 64,000 |
| Delaware County Pennsylvania | 93 | $ 10,340,000 | $ 111,000 | $ 62,000 |
| Chester County Pennsylvania | 89 | $ 13,534,000 | $ 152,000 | $ 78,000 |
| District of Columbia County District Of Columbia | 79 | $ 14,929,000 | $ 188,000 | $ 82,000 |
| Baltimore City County Maryland | 70 | $ 7,629,000 | $ 108,000 | $ 52,000 |
| Gloucester County New Jersey | 68 | $ 9,294,000 | $ 136,000 | $ 68,000 |
| York County Pennsylvania | 67 | $ 6,769,000 | $ 101,000 | $ 47,000 |
| Berks County Pennsylvania | 61 | $ 6,260,000 | $ 102,000 | $ 49,000 |
| Charles County Maryland | 54 | $ 10,780,000 | $ 199,000 | $ 87,000 |
| Frederick County Maryland | 54 | $ 11,108,000 | $ 205,000 | $ 56,000 |
| Allegheny County Pennsylvania | 54 | $ 5,928,000 | $ 109,000 | $ 42,000 |
| Howard County Maryland | 53 | $ 12,042,000 | $ 227,000 | $ 90,000 |
| Virginia Beach County Virginia | 53 | $ 8,003,000 | $ 151,000 | $ 57,000 |
| Shelby County Tennessee | 51 | $ 5,574,000 | $ 109,000 | $ 75,000 |
| Carroll County Maryland | 46 | $ 8,755,000 | $ 190,000 | $ 91,000 |
| Atlantic County New Jersey | 46 | $ 6,671,000 | $ 145,000 | $ 67,000 |
| Ocean County New Jersey | 46 | $ 8,765,000 | $ 190,000 | $ 60,000 |
| Fairfax County Virginia | 40 | $ 9,027,000 | $ 225,000 | $ 78,000 |
| Prince William County Virginia | 40 | $ 8,874,000 | $ 221,000 | $ 66,000 |
| Marion County Indiana | 36 | $ 3,502,000 | $ 97,000 | $ 28,000 |
| Dauphin County Pennsylvania | 36 | $ 2,902,000 | $ 80,000 | $ 49,000 |
| Monroe County Pennsylvania | 36 | $ 5,993,000 | $ 166,000 | $ 74,000 |
| Sussex County Delaware | 33 | $ 7,446,000 | $ 225,000 | $ 94,000 |
| Wayne County Michigan | 32 | $ 3,230,000 | $ 100,000 | $ 44,000 |
| Calvert County Maryland | 26 | $ 5,216,000 | $ 200,000 | $ 78,000 |
| Cape May County New Jersey | 26 | $ 6,443,000 | $ 247,000 | $ 163,000 |
| Harford County Maryland | 24 | $ 3,243,000 | $ 135,000 | $ 59,000 |
| Wicomico County Maryland | 21 | $ 2,454,000 | $ 116,000 | $ 59,000 |
| Culpeper County Virginia | 19 | $ 3,259,000 | $ 171,000 | $ 81,000 |
| Cumberland County New Jersey | 18 | $ 1,694,000 | $ 94,000 | $ 76,000 |
| Cumberland County Pennsylvania | 18 | $ 2,435,000 | $ 135,000 | $ 58,000 |
| Broward County Florida | 17 | $ 3,113,000 | $ 183,000 | $ 76,000 |
| Essex County New Jersey | 17 | $ 3,925,000 | $ 230,000 | $ 68,000 |
| Union County New Jersey | 17 | $ 3,175,000 | $ 186,000 | $ 96,000 |
| Catawba County North Carolina | 17 | $ 1,581,000 | $ 93,000 | $ 51,000 |
| Chesterfield County Virginia | 17 | $ 2,236,000 | $ 131,000 | $ 53,000 |
| Washington County Maryland | 16 | $ 2,102,000 | $ 131,000 | $ 54,000 |
| Loudoun County Virginia | 16 | $ 4,502,000 | $ 281,000 | $ 109,000 |
| Worcester County Maryland | 15 | $ 4,080,000 | $ 272,000 | $ 123,000 |
| Chesapeake County Virginia | 15 | $ 2,374,000 | $ 158,000 | $ 60,000 |
| Henrico County Virginia | 15 | $ 1,601,000 | $ 106,000 | $ 50,000 |
| Norfolk County Virginia | 15 | $ 1,765,000 | $ 117,000 | $ 64,000 |
| St. Mary's County Maryland | 14 | $ 2,595,000 | $ 185,000 | $ 77,000 |
| Oakland County Michigan | 14 | $ 1,756,000 | $ 125,000 | $ 59,000 |
| Cecil County Maryland | 13 | $ 2,232,000 | $ 171,000 | $ 80,000 |
| Mercer County New Jersey | 13 | $ 1,551,000 | $ 119,000 | $ 60,000 |
| Monmouth County New Jersey | 13 | $ 2,638,000 | $ 202,000 | $ 72,000 |
| Lebanon County Pennsylvania | 13 | $ 2,092,000 | $ 160,000 | $ 79,000 |
| DeKalb County Georgia | 12 | $ 2,009,000 | $ 167,000 | $ 77,000 |
| Fulton County Georgia | 12 | $ 1,640,000 | $ 136,000 | $ 102,000 |
| Somerset County New Jersey | 12 | $ 2,736,000 | $ 228,000 | $ 72,000 |
| Luzerne County Pennsylvania | 11 | $ 1,019,000 | $ 92,000 | $ 63,000 |
| Richland County South Carolina | 11 | $ 919,000 | $ 83,000 | $ 53,000 |
| Hartford County Connecticut | 10 | $ 1,660,000 | $ 166,000 | $ 54,000 |
| Orange County Florida | 10 | $ 1,200,000 | $ 120,000 | $ 39,000 |
| Carbon County Pennsylvania | 10 | $ 977,000 | $ 97,000 | $ 55,000 |
| Rutherford County Tennessee | 10 | $ 1,125,000 | $ 112,000 | $ 45,000 |
| Spotsylvania County Virginia | 10 | $ 1,681,000 | $ 168,000 | $ 67,000 |
| Kent County Delaware | 9 | $ 1,363,000 | $ 151,000 | $ 86,000 |
| Bristol County Massachusetts | 9 | $ 1,728,000 | $ 192,000 | $ 40,000 |
| Middlesex County New Jersey | 9 | $ 2,160,000 | $ 240,000 | $ 97,000 |
| Passaic County New Jersey | 9 | $ 2,218,000 | $ 246,000 | $ 62,000 |
| Warren County New Jersey | 9 | $ 1,117,000 | $ 124,000 | $ 58,000 |
| Stafford County Virginia | 9 | $ 2,159,000 | $ 239,000 | $ 36,000 |
| St. Lucie County Florida | 8 | $ 999,000 | $ 124,000 | $ 51,000 |
| Bergen County New Jersey | 8 | $ 1,940,000 | $ 242,000 | $ 113,000 |
| Gaston County North Carolina | 8 | $ 610,000 | $ 76,000 | $ 18,000 |
| Wake County North Carolina | 8 | $ 1,021,000 | $ 127,000 | $ 59,000 |
| Adams County Pennsylvania | 8 | $ 1,443,000 | $ 180,000 | $ 64,000 |
| Schuylkill County Pennsylvania | 8 | $ 697,000 | $ 87,000 | $ 36,000 |
| Greenville County South Carolina | 8 | $ 857,000 | $ 107,000 | $ 49,000 |
| Portsmouth County Virginia | 8 | $ 912,000 | $ 114,000 | $ 48,000 |
| New Haven County Connecticut | 7 | $ 1,075,000 | $ 153,000 | $ 46,000 |
| Brevard County Florida | 7 | $ 698,000 | $ 99,000 | $ 49,000 |
| Miami-Dade County Florida | 7 | $ 1,243,000 | $ 177,000 | $ 47,000 |
| Queen Anne's County Maryland | 7 | $ 1,232,000 | $ 176,000 | $ 64,000 |
| Plymouth County Massachusetts | 7 | $ 1,151,000 | $ 164,000 | $ 72,000 |
| Suffolk County Massachusetts | 7 | $ 2,082,000 | $ 297,000 | $ 89,000 |
| Westmoreland County Pennsylvania | 7 | $ 959,000 | $ 137,000 | $ 60,000 |
| Davidson County Tennessee | 7 | $ 645,000 | $ 92,000 | $ 44,000 |
| Richmond City County Virginia | 7 | $ 903,000 | $ 129,000 | $ 78,000 |
| Gwinnett County Georgia | 6 | $ 1,001,000 | $ 166,000 | $ 73,000 |
| Guilford County North Carolina | 6 | $ 798,000 | $ 133,000 | $ 52,000 |
| Mecklenburg County North Carolina | 6 | $ 557,000 | $ 92,000 | $ 43,000 |
| Florence County South Carolina | 6 | $ 487,000 | $ 81,000 | $ 96,000 |
| Spartanburg County South Carolina | 6 | $ 631,000 | $ 105,000 | $ 40,000 |
| Alexandria County Virginia | 6 | $ 1,331,000 | $ 221,000 | $ 231,000 |
| Hampton County Virginia | 6 | $ 681,000 | $ 113,000 | $ 46,000 |
| Suffolk County Virginia | 6 | $ 918,000 | $ 153,000 | $ 58,000 |
| Duval County Florida | 5 | $ 480,000 | $ 96,000 | $ 102,000 |
| Allen County Indiana | 5 | $ 468,000 | $ 93,000 | $ 0 |
| Hamilton County Indiana | 5 | $ 616,000 | $ 123,000 | $ 0 |
| Tippecanoe County Indiana | 5 | $ 676,000 | $ 135,000 | $ 49,000 |
| Caroline County Maryland | 5 | $ 480,000 | $ 96,000 | $ 172,000 |
| Essex County Massachusetts | 5 | $ 937,000 | $ 187,000 | $ 20,000 |
| Kent County Michigan | 5 | $ 565,000 | $ 113,000 | $ 31,000 |
| Hudson County New Jersey | 5 | $ 1,010,000 | $ 202,000 | $ 74,000 |
| Salem County New Jersey | 5 | $ 646,000 | $ 129,000 | $ 33,000 |
| Franklin County Pennsylvania | 5 | $ 710,000 | $ 142,000 | $ 63,000 |
| Lawrence County Pennsylvania | 5 | $ 703,000 | $ 140,000 | $ 61,000 |
| Washington County Pennsylvania | 5 | $ 674,000 | $ 134,000 | $ 34,000 |
| Charleston County South Carolina | 5 | $ 704,000 | $ 140,000 | $ 37,000 |
| Hanover County Virginia | 5 | $ 731,000 | $ 146,000 | $ 83,000 |
| Russell County Alabama | 4 | $ 408,000 | $ 102,000 | $ 863,000 |
| Tolland County Connecticut | 4 | $ 736,000 | $ 184,000 | $ 64,000 |
| Collier County Florida | 4 | $ 1,060,000 | $ 265,000 | $ 288,000 |
| Palm Beach County Florida | 4 | $ 779,000 | $ 194,000 | $ 47,000 |
| Pinellas County Florida | 4 | $ 787,000 | $ 196,000 | $ 158,000 |
| Clayton County Georgia | 4 | $ 419,000 | $ 104,000 | $ 91,000 |
| Muscogee County Georgia | 4 | $ 598,000 | $ 149,000 | $ 356,000 |
| Jefferson County Kentucky | 4 | $ 394,000 | $ 98,000 | $ 37,000 |
| Talbot County Maryland | 4 | $ 661,000 | $ 165,000 | $ 113,000 |
| Middlesex County Massachusetts | 4 | $ 1,073,000 | $ 268,000 | $ 26,000 |
| Grand Traverse County Michigan | 4 | $ 486,000 | $ 121,000 | $ 85,000 |
| Cleveland County North Carolina | 4 | $ 252,000 | $ 63,000 | $ 147,000 |
| Davidson County North Carolina | 4 | $ 454,000 | $ 113,000 | $ 46,000 |
| Iredell County North Carolina | 4 | $ 421,000 | $ 105,000 | $ 46,000 |
| Beaver County Pennsylvania | 4 | $ 494,000 | $ 123,000 | $ 59,000 |
| Cambria County Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 44,000 |
| Cheatham County Tennessee | 4 | $ 370,000 | $ 92,000 | $ 39,000 |
| Dickson County Tennessee | 4 | $ 423,000 | $ 105,000 | $ 39,000 |
| Madison County Tennessee | 4 | $ 238,000 | $ 59,000 | $ 25,000 |
| Amelia County Virginia | 4 | $ 428,000 | $ 107,000 | $ 45,000 |
| Arlington County Virginia | 4 | $ 890,000 | $ 222,000 | $ 77,000 |
| Manassas County Virginia | 4 | $ 650,000 | $ 162,000 | $ 71,000 |
| Newport News County Virginia | 4 | $ 413,000 | $ 103,000 | $ 58,000 |
| Litchfield County Connecticut | 3 | $ 586,000 | $ 195,000 | $ 74,000 |
| Middlesex County Connecticut | 3 | $ 375,000 | $ 125,000 | $ 56,000 |
| Bay County Florida | 3 | $ 512,000 | $ 170,000 | $ 49,000 |
| Indian River County Florida | 3 | $ 368,000 | $ 122,000 | $ 30,000 |
| Martin County Florida | 3 | $ 563,000 | $ 187,000 | $ 56,000 |
| Osceola County Florida | 3 | $ 392,000 | $ 130,000 | $ 27,000 |
| Volusia County Florida | 3 | $ 418,000 | $ 139,000 | $ 47,000 |
| Cobb County Georgia | 3 | $ 477,000 | $ 159,000 | $ 64,000 |
| Douglas County Georgia | 3 | $ 444,000 | $ 148,000 | $ 400,000 |
| Elkhart County Indiana | 3 | $ 212,000 | $ 70,000 | $ 19,000 |
| Hendricks County Indiana | 3 | $ 386,000 | $ 128,000 | $ 23,000 |
| Dubuque County Iowa | 3 | $ 181,000 | $ 60,000 | $ 27,000 |
| Allegany County Maryland | 3 | $ 278,000 | $ 92,000 | $ 67,000 |
| Kent County Maryland | 3 | $ 535,000 | $ 178,000 | $ 164,000 |
| Somerset County Maryland | 3 | $ 195,000 | $ 65,000 | $ 54,000 |
| Norfolk County Massachusetts | 3 | $ 1,010,000 | $ 336,000 | $ 129,000 |
| Macomb County Michigan | 3 | $ 404,000 | $ 134,000 | $ 50,000 |
| Hennepin County Minnesota | 3 | $ 932,000 | $ 310,000 | $ 78,000 |
| Cumberland County North Carolina | 3 | $ 361,000 | $ 120,000 | $ 39,000 |
| Centre County Pennsylvania | 3 | $ 306,000 | $ 102,000 | $ 57,000 |
| Crawford County Pennsylvania | 3 | $ 200,000 | $ 66,000 | $ 44,000 |
| Lackawanna County Pennsylvania | 3 | $ 280,000 | $ 93,000 | $ 50,000 |
| Perry County Pennsylvania | 3 | $ 328,000 | $ 109,000 | $ 73,000 |
| Horry County South Carolina | 3 | $ 585,000 | $ 195,000 | $ 162,000 |
| Sumner County Tennessee | 3 | $ 340,000 | $ 113,000 | $ 29,000 |
| Fauquier County Virginia | 3 | $ 658,000 | $ 219,000 | $ 62,000 |
| Louisa County Virginia | 3 | $ 432,000 | $ 144,000 | $ 66,000 |
| Williamsburg County Virginia | 3 | $ 605,000 | $ 201,000 | $ 164,000 |
| Jefferson County West Virginia | 3 | $ 719,000 | $ 239,000 | $ 59,000 |
| Wayne County West Virginia | 3 | $ 177,000 | $ 59,000 | $ 36,000 |
| Baldwin County Alabama | 2 | $ 145,000 | $ 72,000 | $ 55,000 |
| Cullman County Alabama | 2 | $ 144,000 | $ 72,000 | $ 47,000 |
| El Paso County Colorado | 2 | $ 230,000 | $ 115,000 | $ 48,000 |
| Fairfield County Connecticut | 2 | $ 411,000 | $ 205,000 | $ 44,000 |
| New London County Connecticut | 2 | $ 488,000 | $ 244,000 | $ 77,000 |
| Lee County Florida | 2 | $ 520,000 | $ 260,000 | $ 173,000 |
| Polk County Florida | 2 | $ 194,000 | $ 97,000 | $ 103,000 |
| Sarasota County Florida | 2 | $ 344,000 | $ 172,000 | $ 77,000 |
| St. Johns County Florida | 2 | $ 342,000 | $ 171,000 | $ 90,000 |
| Bartow County Georgia | 2 | $ 210,000 | $ 105,000 | $ 46,000 |
| Camden County Georgia | 2 | $ 219,000 | $ 109,000 | $ 42,000 |
| Floyd County Georgia | 2 | $ 138,000 | $ 69,000 | $ 32,000 |
| Hall County Georgia | 2 | $ 266,000 | $ 133,000 | $ 47,000 |
| Newton County Georgia | 2 | $ 205,000 | $ 102,000 | $ 1,136,000 |
| Rockdale County Georgia | 2 | $ 189,000 | $ 94,000 | $ 16,000 |
| Vigo County Indiana | 2 | $ 136,000 | $ 68,000 | $ 31,000 |
| Linn County Iowa | 2 | $ 181,000 | $ 90,000 | $ 0 |
| Dorchester County Maryland | 2 | $ 262,000 | $ 131,000 | $ 43,000 |
| Hampshire County Massachusetts | 2 | $ 404,000 | $ 202,000 | $ 31,000 |
| Genesee County Michigan | 2 | $ 241,000 | $ 120,000 | $ 26,000 |
| Jackson County Michigan | 2 | $ 142,000 | $ 71,000 | $ 28,000 |
| Manistee County Michigan | 2 | $ 129,000 | $ 64,000 | $ 54,000 |
| Saginaw County Michigan | 2 | $ 118,000 | $ 59,000 | $ 56,000 |
| St. Clair County Michigan | 2 | $ 175,000 | $ 87,000 | $ 57,000 |
| Ramsey County Minnesota | 2 | $ 1,012,000 | $ 506,000 | $ 223,000 |
| Hunterdon County New Jersey | 2 | $ 525,000 | $ 262,000 | $ 98,000 |
| Morris County New Jersey | 2 | $ 733,000 | $ 366,000 | $ 198,000 |
| Buncombe County North Carolina | 2 | $ 365,000 | $ 182,000 | $ 51,000 |
| Cabarrus County North Carolina | 2 | $ 275,000 | $ 137,000 | $ 86,000 |
| Forsyth County North Carolina | 2 | $ 243,000 | $ 121,000 | $ 40,000 |
| Henderson County North Carolina | 2 | $ 254,000 | $ 127,000 | $ 47,000 |
| Lincoln County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 63,000 |
| New Hanover County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Randolph County North Carolina | 2 | $ 195,000 | $ 97,000 | $ 28,000 |
| Watauga County North Carolina | 2 | $ 238,000 | $ 119,000 | $ 204,000 |
| Erie County Pennsylvania | 2 | $ 311,000 | $ 155,000 | $ 60,000 |
| Indiana County Pennsylvania | 2 | $ 204,000 | $ 102,000 | $ 60,000 |
| Mifflin County Pennsylvania | 2 | $ 175,000 | $ 87,000 | $ 90,000 |
| Pike County Pennsylvania | 2 | $ 281,000 | $ 140,000 | $ 75,000 |
| Venango County Pennsylvania | 2 | $ 136,000 | $ 68,000 | $ 28,000 |
| Cherokee County South Carolina | 2 | $ 174,000 | $ 87,000 | $ 28,000 |
| Dorchester County South Carolina | 2 | $ 325,000 | $ 162,000 | $ 65,000 |
| Bedford County Tennessee | 2 | $ 238,000 | $ 119,000 | $ 35,000 |
| Hamilton County Tennessee | 2 | $ 178,000 | $ 89,000 | $ 49,000 |
| Robertson County Tennessee | 2 | $ 256,000 | $ 128,000 | $ 132,000 |
| Prince George County Virginia | 2 | $ 286,000 | $ 143,000 | $ 10,000 |
| Warren County Virginia | 2 | $ 540,000 | $ 270,000 | $ 87,000 |
| Berkeley County West Virginia | 2 | $ 204,000 | $ 102,000 | $ 42,000 |
| Randolph County Alabama | 1 | $ 176,000 | $ 176,000 | $ 44,000 |
| Tuscaloosa County Alabama | 1 | $ 81,000 | $ 81,000 | $ 72,000 |
| Archuleta County Colorado | 1 | $ 98,000 | $ 98,000 | $ 64,000 |
| Denver County Colorado | 1 | $ 61,000 | $ 61,000 | $ 79,000 |
| Jefferson County Colorado | 1 | $ 223,000 | $ 223,000 | $ 122,000 |
| Windham County Connecticut | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Alachua County Florida | 1 | $ 208,000 | $ 208,000 | $ 102,000 |
| Charlotte County Florida | 1 | $ 76,000 | $ 76,000 | $ 69,000 |
| Clay County Florida | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Hillsborough County Florida | 1 | $ 102,000 | $ 102,000 | $ 36,000 |
| Leon County Florida | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| Monroe County Florida | 1 | $ 150,000 | $ 150,000 | $ 114,000 |
| Nassau County Florida | 1 | $ 68,000 | $ 68,000 | $ 115,000 |
| Sumter County Florida | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Catoosa County Georgia | 1 | $ 77,000 | $ 77,000 | $ 29,000 |
| Chatham County Georgia | 1 | $ 487,000 | $ 487,000 | $ 140,000 |
| Crisp County Georgia | 1 | $ 194,000 | $ 194,000 | $ 36,000 |
| Dade County Georgia | 1 | $ 121,000 | $ 121,000 | $ 25,000 |
| Habersham County Georgia | 1 | $ 262,000 | $ 262,000 | $ 90,000 |
| Henry County Georgia | 1 | $ 189,000 | $ 189,000 | $ 78,000 |
| Paulding County Georgia | 1 | $ 112,000 | $ 112,000 | $ 60,000 |
| Polk County Georgia | 1 | $ 74,000 | $ 74,000 | $ 18,000 |
| Benton County Indiana | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Boone County Indiana | 1 | $ 72,000 | $ 72,000 | $ 104,000 |
| Clark County Indiana | 1 | $ 133,000 | $ 133,000 | $ 72,000 |
| Clinton County Indiana | 1 | $ 114,000 | $ 114,000 | $ 54,000 |
| Delaware County Indiana | 1 | $ 67,000 | $ 67,000 | $ 49,000 |
| Hancock County Indiana | 1 | $ 153,000 | $ 153,000 | $ 83,000 |
| Kosciusko County Indiana | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Lawrence County Indiana | 1 | $ 74,000 | $ 74,000 | $ 39,000 |
| Madison County Indiana | 1 | $ 83,000 | $ 83,000 | $ 46,000 |
| Marshall County Indiana | 1 | $ 84,000 | $ 84,000 | $ 55,000 |
| Owen County Indiana | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Rush County Indiana | 1 | $ 71,000 | $ 71,000 | $ 49,000 |
| St. Joseph County Indiana | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Boone County Iowa | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Jackson County Iowa | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Louisa County Iowa | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Polk County Iowa | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Scott County Iowa | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Bullitt County Kentucky | 1 | $ 196,000 | $ 196,000 | $ 130,000 |
| Campbell County Kentucky | 1 | $ 213,000 | $ 213,000 | $ 101,000 |
| Hardin County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 50,000 |
| Hopkins County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 25,000 |
| Laurel County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| McCracken County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Oldham County Kentucky | 1 | $ 730,000 | $ 730,000 | $ 144,000 |
| Trigg County Kentucky | 1 | $ 93,000 | $ 93,000 | $ 38,000 |
| Barnstable County Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 48,000 |
| Hampden County Massachusetts | 1 | $ 150,000 | $ 150,000 | $ 35,000 |
| Worcester County Massachusetts | 1 | $ 209,000 | $ 209,000 | $ 51,000 |
| Benzie County Michigan | 1 | $ 910,000 | $ 910,000 | $ 0 |
| Delta County Michigan | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Lapeer County Michigan | 1 | $ 198,000 | $ 198,000 | $ 80,000 |
| Leelanau County Michigan | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Otsego County Michigan | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Ottawa County Michigan | 1 | $ 311,000 | $ 311,000 | $ 68,000 |
| Roscommon County Michigan | 1 | $ 243,000 | $ 243,000 | $ 77,000 |
| Washtenaw County Michigan | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Scott County Minnesota | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Wadena County Minnesota | 1 | $ 134,000 | $ 134,000 | $ 48,000 |
| Wright County Minnesota | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Clark County Nevada | 1 | $ 188,000 | $ 188,000 | $ 73,000 |
| Sussex County New Jersey | 1 | $ 233,000 | $ 233,000 | $ 77,000 |
| Caldwell County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 41,000 |
| Durham County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 34,000 |
| Franklin County North Carolina | 1 | $ 158,000 | $ 158,000 | $ 74,000 |
| Haywood County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 82,000 |
| Johnston County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 47,000 |
| Lee County North Carolina | 1 | $ 236,000 | $ 236,000 | $ 73,000 |
| Lenoir County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Moore County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 75,000 |
| Nash County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Pasquotank County North Carolina | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Rutherford County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 20,000 |
| Surry County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Wilson County North Carolina | 1 | $ 187,000 | $ 187,000 | $ 68,000 |
| Armstrong County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 73,000 |
| Bedford County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Butler County Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
| Clearfield County Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 74,000 |
| Fulton County Pennsylvania | 1 | $ 361,000 | $ 361,000 | $ 135,000 |
| Greene County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 20,000 |
| Mercer County Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 28,000 |
| Northumberland County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Susquehanna County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 32,000 |
| Wayne County Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 157,000 |
| Berkeley County South Carolina | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Colleton County South Carolina | 1 | $ 82,000 | $ 82,000 | $ 34,000 |
| Dillon County South Carolina | 1 | $ 83,000 | $ 83,000 | $ 59,000 |
| Lexington County South Carolina | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Carroll County Tennessee | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Haywood County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Henderson County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Maury County Tennessee | 1 | $ 116,000 | $ 116,000 | $ 65,000 |
| Accomack County Virginia | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Albemarle County Virginia | 1 | $ 151,000 | $ 151,000 | $ 84,000 |
| Bedford County Virginia | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Botetourt County Virginia | 1 | $ 39,000 | $ 39,000 | $ 43,000 |
| Caroline County Virginia | 1 | $ 250,000 | $ 250,000 | $ 92,000 |
| Clarke County Virginia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Cumberland County Virginia | 1 | $ 129,000 | $ 129,000 | $ 42,000 |
| Essex County Virginia | 1 | $ 90,000 | $ 90,000 | $ 89,000 |
| Fairfax City County Virginia | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Frederick County Virginia | 1 | $ 136,000 | $ 136,000 | $ 66,000 |
| Gloucester County Virginia | 1 | $ 110,000 | $ 110,000 | $ 39,000 |
| Goochland County Virginia | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| James City County Virginia | 1 | $ 247,000 | $ 247,000 | $ 135,000 |
| Northumberland County Virginia | 1 | $ 244,000 | $ 244,000 | $ 359,000 |
| Nottoway County Virginia | 1 | $ 108,000 | $ 108,000 | $ 84,000 |
| Orange County Virginia | 1 | $ 184,000 | $ 184,000 | $ 66,000 |
| Petersburg County Virginia | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Poquoson County Virginia | 1 | $ 334,000 | $ 334,000 | $ 172,000 |
| Rappahannock County Virginia | 1 | $ 181,000 | $ 181,000 | $ 45,000 |
| Shenandoah County Virginia | 1 | $ 169,000 | $ 169,000 | $ 77,000 |
| Southampton County Virginia | 1 | $ 68,000 | $ 68,000 | $ 46,000 |
| Cabell County West Virginia | 1 | $ 99,000 | $ 99,000 | $ 73,000 |
| Greenbrier County West Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hampshire County West Virginia | 1 | $ 119,000 | $ 119,000 | $ 115,000 |
| Hardy County West Virginia | 1 | $ 66,000 | $ 66,000 | $ 66,000 |
| Mineral County West Virginia | 1 | $ 124,000 | $ 124,000 | $ 136,000 |
| Converse County 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.