Cardinal Financial Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Cardinal Financial Company 2005 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 | 5,420 |
| Total Mortgage Loan Application Amount | $887,019,000 |
| Average Mortgage Loan Application Amount | $154,500 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $1,718,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 638 | $ 67,115,000 | $ 105,000 | $ 53,000 |
| Bucks County Pennsylvania | 423 | $ 66,775,000 | $ 157,000 | $ 74,000 |
| Montgomery County Pennsylvania | 408 | $ 62,642,000 | $ 153,000 | $ 89,000 |
| Lehigh County Pennsylvania | 381 | $ 49,158,000 | $ 129,000 | $ 53,000 |
| Prince George's County Maryland | 353 | $ 75,537,000 | $ 213,000 | $ 81,000 |
| Burlington County New Jersey | 177 | $ 28,408,000 | $ 160,000 | $ 73,000 |
| Anne Arundel County Maryland | 162 | $ 35,671,000 | $ 220,000 | $ 75,000 |
| Baltimore County Maryland | 146 | $ 25,720,000 | $ 176,000 | $ 90,000 |
| Camden County New Jersey | 136 | $ 18,188,000 | $ 133,000 | $ 60,000 |
| Delaware County Pennsylvania | 115 | $ 17,318,000 | $ 150,000 | $ 76,000 |
| Chester County Pennsylvania | 113 | $ 17,871,000 | $ 158,000 | $ 85,000 |
| Lancaster County Pennsylvania | 108 | $ 14,147,000 | $ 130,000 | $ 46,000 |
| Northampton County Pennsylvania | 107 | $ 14,173,000 | $ 132,000 | $ 60,000 |
| District of Columbia County District Of Columbia | 87 | $ 17,564,000 | $ 201,000 | $ 85,000 |
| Montgomery County Maryland | 80 | $ 20,732,000 | $ 259,000 | $ 89,000 |
| New Castle County Delaware | 75 | $ 10,583,000 | $ 141,000 | $ 82,000 |
| Cape May County New Jersey | 64 | $ 15,796,000 | $ 246,000 | $ 140,000 |
| Gloucester County New Jersey | 63 | $ 9,014,000 | $ 143,000 | $ 56,000 |
| Ocean County New Jersey | 58 | $ 12,784,000 | $ 220,000 | $ 66,000 |
| Baltimore City County Maryland | 52 | $ 7,484,000 | $ 143,000 | $ 65,000 |
| Carroll County Maryland | 48 | $ 10,762,000 | $ 224,000 | $ 67,000 |
| Howard County Maryland | 48 | $ 12,122,000 | $ 252,000 | $ 108,000 |
| Berks County Pennsylvania | 46 | $ 4,861,000 | $ 105,000 | $ 61,000 |
| Atlantic County New Jersey | 43 | $ 7,455,000 | $ 173,000 | $ 69,000 |
| Charles County Maryland | 42 | $ 9,176,000 | $ 218,000 | $ 73,000 |
| Monroe County Pennsylvania | 42 | $ 7,523,000 | $ 179,000 | $ 68,000 |
| Fairfax County Virginia | 39 | $ 11,154,000 | $ 286,000 | $ 115,000 |
| York County Pennsylvania | 35 | $ 5,423,000 | $ 154,000 | $ 61,000 |
| Harford County Maryland | 34 | $ 6,519,000 | $ 191,000 | $ 64,000 |
| Prince William County Virginia | 34 | $ 10,220,000 | $ 300,000 | $ 92,000 |
| Calvert County Maryland | 28 | $ 6,596,000 | $ 235,000 | $ 77,000 |
| Frederick County Maryland | 27 | $ 5,529,000 | $ 204,000 | $ 58,000 |
| Wayne County Michigan | 27 | $ 2,888,000 | $ 106,000 | $ 52,000 |
| Sussex County Delaware | 24 | $ 7,524,000 | $ 313,000 | $ 121,000 |
| Monmouth County New Jersey | 24 | $ 5,995,000 | $ 249,000 | $ 142,000 |
| Mercer County New Jersey | 23 | $ 3,536,000 | $ 153,000 | $ 93,000 |
| Dauphin County Pennsylvania | 22 | $ 2,576,000 | $ 117,000 | $ 53,000 |
| Brevard County Florida | 20 | $ 3,022,000 | $ 151,000 | $ 49,000 |
| St. Mary's County Maryland | 20 | $ 5,282,000 | $ 264,000 | $ 70,000 |
| Virginia Beach County Virginia | 20 | $ 3,827,000 | $ 191,000 | $ 79,000 |
| Marion County Indiana | 19 | $ 2,081,000 | $ 109,000 | $ 31,000 |
| Cumberland County New Jersey | 19 | $ 1,821,000 | $ 95,000 | $ 70,000 |
| Allegheny County Pennsylvania | 19 | $ 2,064,000 | $ 108,000 | $ 66,000 |
| Queen Anne's County Maryland | 18 | $ 3,429,000 | $ 190,000 | $ 71,000 |
| Luzerne County Pennsylvania | 17 | $ 1,783,000 | $ 104,000 | $ 53,000 |
| Union County New Jersey | 16 | $ 3,646,000 | $ 227,000 | $ 92,000 |
| Shelby County Tennessee | 16 | $ 1,907,000 | $ 119,000 | $ 96,000 |
| Chesterfield County Virginia | 16 | $ 2,042,000 | $ 127,000 | $ 59,000 |
| Henrico County Virginia | 16 | $ 2,084,000 | $ 130,000 | $ 50,000 |
| Worcester County Maryland | 15 | $ 3,458,000 | $ 230,000 | $ 99,000 |
| Bergen County New Jersey | 15 | $ 4,097,000 | $ 273,000 | $ 93,000 |
| Stafford County Virginia | 15 | $ 3,750,000 | $ 250,000 | $ 72,000 |
| Washington County Maryland | 14 | $ 2,354,000 | $ 168,000 | $ 60,000 |
| Morris County New Jersey | 14 | $ 3,138,000 | $ 224,000 | $ 77,000 |
| Lebanon County Pennsylvania | 14 | $ 1,645,000 | $ 117,000 | $ 62,000 |
| Loudoun County Virginia | 14 | $ 4,163,000 | $ 297,000 | $ 75,000 |
| Lee County Florida | 13 | $ 2,238,000 | $ 172,000 | $ 80,000 |
| Cumberland County Pennsylvania | 13 | $ 2,285,000 | $ 175,000 | $ 59,000 |
| New Haven County Connecticut | 12 | $ 2,210,000 | $ 184,000 | $ 75,000 |
| Essex County New Jersey | 12 | $ 2,279,000 | $ 189,000 | $ 71,000 |
| Hudson County New Jersey | 12 | $ 2,402,000 | $ 200,000 | $ 103,000 |
| Kent County Delaware | 11 | $ 1,598,000 | $ 145,000 | $ 57,000 |
| Duval County Florida | 11 | $ 1,685,000 | $ 153,000 | $ 19,000 |
| Suffolk County Massachusetts | 11 | $ 2,847,000 | $ 258,000 | $ 102,000 |
| Somerset County New Jersey | 11 | $ 3,418,000 | $ 310,000 | $ 100,000 |
| Adams County Pennsylvania | 11 | $ 1,691,000 | $ 153,000 | $ 72,000 |
| Carbon County Pennsylvania | 11 | $ 1,535,000 | $ 139,000 | $ 85,000 |
| Hillsborough County Florida | 10 | $ 1,917,000 | $ 191,000 | $ 98,000 |
| Palm Beach County Florida | 10 | $ 1,796,000 | $ 179,000 | $ 165,000 |
| Middlesex County New Jersey | 10 | $ 2,469,000 | $ 246,000 | $ 96,000 |
| Alexandria County Virginia | 10 | $ 2,568,000 | $ 256,000 | $ 79,000 |
| Broward County Florida | 9 | $ 1,435,000 | $ 159,000 | $ 53,000 |
| Chesapeake County Virginia | 9 | $ 1,640,000 | $ 182,000 | $ 69,000 |
| Passaic County New Jersey | 8 | $ 2,109,000 | $ 263,000 | $ 83,000 |
| Culpeper County Virginia | 8 | $ 1,378,000 | $ 172,000 | $ 83,000 |
| Spotsylvania County Virginia | 8 | $ 1,830,000 | $ 228,000 | $ 52,000 |
| Hartford County Connecticut | 7 | $ 1,137,000 | $ 162,000 | $ 75,000 |
| Hernando County Florida | 7 | $ 732,000 | $ 104,000 | $ 170,000 |
| Miami-Dade County Florida | 7 | $ 1,572,000 | $ 224,000 | $ 104,000 |
| Allen County Indiana | 7 | $ 654,000 | $ 93,000 | $ 30,000 |
| Bristol County Massachusetts | 7 | $ 982,000 | $ 140,000 | $ 113,000 |
| Sussex County New Jersey | 7 | $ 1,265,000 | $ 180,000 | $ 88,000 |
| Mecklenburg County North Carolina | 7 | $ 1,476,000 | $ 210,000 | $ 121,000 |
| Franklin County Pennsylvania | 7 | $ 1,182,000 | $ 168,000 | $ 147,000 |
| Collier County Florida | 6 | $ 1,295,000 | $ 215,000 | $ 118,000 |
| Pasco County Florida | 6 | $ 717,000 | $ 119,000 | $ 68,000 |
| Pinellas County Florida | 6 | $ 1,581,000 | $ 263,000 | $ 553,000 |
| Cecil County Maryland | 6 | $ 949,000 | $ 158,000 | $ 38,000 |
| New Hanover County North Carolina | 6 | $ 613,000 | $ 102,000 | $ 75,000 |
| Wake County North Carolina | 6 | $ 650,000 | $ 108,000 | $ 65,000 |
| Pike County Pennsylvania | 6 | $ 736,000 | $ 122,000 | $ 70,000 |
| Horry County South Carolina | 6 | $ 852,000 | $ 142,000 | $ 88,000 |
| Caroline County Virginia | 6 | $ 648,000 | $ 108,000 | $ 78,000 |
| Hampton County Virginia | 6 | $ 620,000 | $ 103,000 | $ 59,000 |
| Portsmouth County Virginia | 6 | $ 702,000 | $ 117,000 | $ 51,000 |
| Tolland County Connecticut | 5 | $ 725,000 | $ 145,000 | $ 84,000 |
| Martin County Florida | 5 | $ 979,000 | $ 195,000 | $ 12,000 |
| Fulton County Georgia | 5 | $ 950,000 | $ 190,000 | $ 97,000 |
| Worcester County Massachusetts | 5 | $ 1,121,000 | $ 224,000 | $ 102,000 |
| Genesee County Michigan | 5 | $ 407,000 | $ 81,000 | $ 34,000 |
| Catawba County North Carolina | 5 | $ 381,000 | $ 76,000 | $ 99,000 |
| Gaston County North Carolina | 5 | $ 1,021,000 | $ 204,000 | $ 261,000 |
| Centre County Pennsylvania | 5 | $ 767,000 | $ 153,000 | $ 90,000 |
| Wayne County Pennsylvania | 5 | $ 674,000 | $ 134,000 | $ 65,000 |
| Montgomery County Tennessee | 5 | $ 632,000 | $ 126,000 | $ 54,000 |
| Rutherford County Tennessee | 5 | $ 600,000 | $ 120,000 | $ 25,000 |
| Fluvanna County Virginia | 5 | $ 826,000 | $ 165,000 | $ 59,000 |
| King George County Virginia | 5 | $ 861,000 | $ 172,000 | $ 102,000 |
| Fairfield County Connecticut | 4 | $ 1,140,000 | $ 285,000 | $ 83,000 |
| St. Johns County Florida | 4 | $ 655,000 | $ 163,000 | $ 68,000 |
| Dorchester County Maryland | 4 | $ 519,000 | $ 129,000 | $ 51,000 |
| Wicomico County Maryland | 4 | $ 683,000 | $ 170,000 | $ 84,000 |
| Plymouth County Massachusetts | 4 | $ 1,261,000 | $ 315,000 | $ 99,000 |
| Salem County New Jersey | 4 | $ 382,000 | $ 95,000 | $ 66,000 |
| Beaver County Pennsylvania | 4 | $ 375,000 | $ 93,000 | $ 56,000 |
| Bedford County Pennsylvania | 4 | $ 442,000 | $ 110,000 | $ 63,000 |
| Fayette County Pennsylvania | 4 | $ 862,000 | $ 215,000 | $ 76,000 |
| Washington County Pennsylvania | 4 | $ 914,000 | $ 228,000 | $ 128,000 |
| Westmoreland County Pennsylvania | 4 | $ 599,000 | $ 149,000 | $ 57,000 |
| Charleston County South Carolina | 4 | $ 412,000 | $ 103,000 | $ 39,000 |
| Greenville County South Carolina | 4 | $ 299,000 | $ 74,000 | $ 86,000 |
| Hanover County Virginia | 4 | $ 616,000 | $ 154,000 | $ 84,000 |
| Newport News County Virginia | 4 | $ 583,000 | $ 145,000 | $ 39,000 |
| Norfolk County Virginia | 4 | $ 452,000 | $ 113,000 | $ 36,000 |
| Prince George County Virginia | 4 | $ 714,000 | $ 178,000 | $ 74,000 |
| Richmond City County Virginia | 4 | $ 477,000 | $ 119,000 | $ 42,000 |
| Jefferson County Colorado | 3 | $ 474,000 | $ 158,000 | $ 66,000 |
| Middlesex County Connecticut | 3 | $ 542,000 | $ 180,000 | $ 94,000 |
| Charlotte County Florida | 3 | $ 305,000 | $ 101,000 | $ 31,000 |
| Indian River County Florida | 3 | $ 411,000 | $ 137,000 | $ 169,000 |
| Okaloosa County Florida | 3 | $ 495,000 | $ 165,000 | $ 83,000 |
| Osceola County Florida | 3 | $ 164,000 | $ 54,000 | $ 102,000 |
| Volusia County Florida | 3 | $ 486,000 | $ 162,000 | $ 47,000 |
| White County Georgia | 3 | $ 456,000 | $ 152,000 | $ 57,000 |
| Hamilton County Indiana | 3 | $ 362,000 | $ 120,000 | $ 10,000 |
| Jefferson County Kentucky | 3 | $ 169,000 | $ 56,000 | $ 241,000 |
| Caroline County Maryland | 3 | $ 462,000 | $ 154,000 | $ 39,000 |
| Garrett County Maryland | 3 | $ 377,000 | $ 125,000 | $ 112,000 |
| Kent County Maryland | 3 | $ 783,000 | $ 261,000 | $ 62,000 |
| Middlesex County Massachusetts | 3 | $ 1,480,000 | $ 493,000 | $ 101,000 |
| Clare County Michigan | 3 | $ 519,000 | $ 173,000 | $ 99,000 |
| Jackson County Michigan | 3 | $ 374,000 | $ 124,000 | $ 42,000 |
| Macomb County Michigan | 3 | $ 339,000 | $ 113,000 | $ 15,000 |
| Warren County New Jersey | 3 | $ 743,000 | $ 247,000 | $ 46,000 |
| Henderson County North Carolina | 3 | $ 225,000 | $ 75,000 | $ 129,000 |
| Iredell County North Carolina | 3 | $ 260,000 | $ 86,000 | $ 47,000 |
| Lenoir County North Carolina | 3 | $ 235,000 | $ 78,000 | $ 51,000 |
| Blair County Pennsylvania | 3 | $ 442,000 | $ 147,000 | $ 148,000 |
| Butler County Pennsylvania | 3 | $ 649,000 | $ 216,000 | $ 70,000 |
| Mercer County Pennsylvania | 3 | $ 316,000 | $ 105,000 | $ 68,000 |
| Schuylkill County Pennsylvania | 3 | $ 516,000 | $ 172,000 | $ 62,000 |
| Richland County South Carolina | 3 | $ 191,000 | $ 63,000 | $ 54,000 |
| Sumner County Tennessee | 3 | $ 357,000 | $ 119,000 | $ 84,000 |
| Fauquier County Virginia | 3 | $ 366,000 | $ 122,000 | $ 73,000 |
| Louisa County Virginia | 3 | $ 354,000 | $ 118,000 | $ 122,000 |
| Manassas County Virginia | 3 | $ 535,000 | $ 178,000 | $ 15,000 |
| Suffolk County Virginia | 3 | $ 499,000 | $ 166,000 | $ 45,000 |
| El Paso County Colorado | 2 | $ 242,000 | $ 121,000 | $ 61,000 |
| Litchfield County Connecticut | 2 | $ 630,000 | $ 315,000 | $ 103,000 |
| Bay County Florida | 2 | $ 236,000 | $ 118,000 | $ 50,000 |
| Orange County Florida | 2 | $ 500,000 | $ 250,000 | $ 64,000 |
| Sarasota County Florida | 2 | $ 427,000 | $ 213,000 | $ 102,000 |
| Seminole County Florida | 2 | $ 200,000 | $ 100,000 | $ 48,000 |
| St. Lucie County Florida | 2 | $ 250,000 | $ 125,000 | $ 100,000 |
| Sumter County Florida | 2 | $ 319,000 | $ 159,000 | $ 18,000 |
| Cherokee County Georgia | 2 | $ 545,000 | $ 272,000 | $ 145,000 |
| Richmond County Georgia | 2 | $ 70,000 | $ 35,000 | $ 53,000 |
| Elkhart County Indiana | 2 | $ 110,000 | $ 55,000 | $ 77,000 |
| Madison County Indiana | 2 | $ 212,000 | $ 106,000 | $ 32,000 |
| Tippecanoe County Indiana | 2 | $ 209,000 | $ 104,000 | $ 41,000 |
| Talbot County Maryland | 2 | $ 459,000 | $ 229,000 | $ 86,000 |
| Essex County Massachusetts | 2 | $ 812,000 | $ 406,000 | $ 137,000 |
| Hampden County Massachusetts | 2 | $ 219,000 | $ 109,000 | $ 72,000 |
| Calhoun County Michigan | 2 | $ 136,000 | $ 68,000 | $ 62,000 |
| Lapeer County Michigan | 2 | $ 341,000 | $ 170,000 | $ 39,000 |
| Ramsey County Minnesota | 2 | $ 201,000 | $ 100,000 | $ 75,000 |
| Rice County Minnesota | 2 | $ 380,000 | $ 190,000 | $ 341,000 |
| Todd County Minnesota | 2 | $ 167,000 | $ 83,000 | $ 32,000 |
| Clark County Nevada | 2 | $ 258,000 | $ 129,000 | $ 0 |
| Alamance County North Carolina | 2 | $ 153,000 | $ 76,000 | $ 45,000 |
| Brunswick County North Carolina | 2 | $ 286,000 | $ 143,000 | $ 67,000 |
| Lincoln County North Carolina | 2 | $ 133,000 | $ 66,000 | $ 41,000 |
| Pitt County North Carolina | 2 | $ 151,000 | $ 75,000 | $ 26,000 |
| Cambria County Pennsylvania | 2 | $ 107,000 | $ 53,000 | $ 63,000 |
| Perry County Pennsylvania | 2 | $ 230,000 | $ 115,000 | $ 42,000 |
| Somerset County Pennsylvania | 2 | $ 136,000 | $ 68,000 | $ 73,000 |
| Providence County Rhode Island | 2 | $ 352,000 | $ 176,000 | $ 141,000 |
| Bedford County Tennessee | 2 | $ 206,000 | $ 103,000 | $ 21,000 |
| Coffee County Tennessee | 2 | $ 67,000 | $ 33,000 | $ 21,000 |
| Sevier County Tennessee | 2 | $ 205,000 | $ 102,000 | $ 101,000 |
| Albemarle County Virginia | 2 | $ 439,000 | $ 219,000 | $ 50,000 |
| Amelia County Virginia | 2 | $ 355,000 | $ 177,000 | $ 73,000 |
| Russell County Virginia | 2 | $ 100,000 | $ 50,000 | $ 43,000 |
| Westmoreland County Virginia | 2 | $ 334,000 | $ 167,000 | $ 98,000 |
| Wise County Virginia | 2 | $ 184,000 | $ 92,000 | $ 49,000 |
| Jefferson County Alabama | 1 | $ 91,000 | $ 91,000 | $ 40,000 |
| Mobile County Alabama | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Archuleta County Colorado | 1 | $ 350,000 | $ 350,000 | $ 300,000 |
| Denver County Colorado | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Moffat County Colorado | 1 | $ 138,000 | $ 138,000 | $ 52,000 |
| Weld County Colorado | 1 | $ 228,000 | $ 228,000 | $ 93,000 |
| New London County Connecticut | 1 | $ 135,000 | $ 135,000 | $ 118,000 |
| Alachua County Florida | 1 | $ 154,000 | $ 154,000 | $ 108,000 |
| Citrus County Florida | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Glades County Florida | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Levy County Florida | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Marion County Florida | 1 | $ 112,000 | $ 112,000 | $ 22,000 |
| Monroe County Florida | 1 | $ 238,000 | $ 238,000 | $ 63,000 |
| Polk County Florida | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Santa Rosa County Florida | 1 | $ 176,000 | $ 176,000 | $ 84,000 |
| Walton County Florida | 1 | $ 271,000 | $ 271,000 | $ 208,000 |
| Clayton County Georgia | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| Cobb County Georgia | 1 | $ 279,000 | $ 279,000 | $ 55,000 |
| Dougherty County Georgia | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
| Gwinnett County Georgia | 1 | $ 208,000 | $ 208,000 | $ 105,000 |
| Henry County Georgia | 1 | $ 157,000 | $ 157,000 | $ 49,000 |
| Muscogee County Georgia | 1 | $ 246,000 | $ 246,000 | $ 78,000 |
| Pickens County Georgia | 1 | $ 56,000 | $ 56,000 | $ 671,000 |
| Grant County Indiana | 1 | $ 78,000 | $ 78,000 | $ 16,000 |
| Hancock County Indiana | 1 | $ 143,000 | $ 143,000 | $ 58,000 |
| Howard County Indiana | 1 | $ 188,000 | $ 188,000 | $ 56,000 |
| Lawrence County Indiana | 1 | $ 46,000 | $ 46,000 | $ 26,000 |
| Morgan County Indiana | 1 | $ 118,000 | $ 118,000 | $ 85,000 |
| Noble County Indiana | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Owen County Indiana | 1 | $ 127,000 | $ 127,000 | $ 32,000 |
| St. Joseph County Indiana | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Steuben County Indiana | 1 | $ 263,000 | $ 263,000 | $ 109,000 |
| Warren County Indiana | 1 | $ 43,000 | $ 43,000 | $ 14,000 |
| Boone County Kentucky | 1 | $ 121,000 | $ 121,000 | $ 39,000 |
| Campbell County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 104,000 |
| Christian County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 42,000 |
| Lincoln County Maine | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Piscataquis County Maine | 1 | $ 78,000 | $ 78,000 | $ 36,000 |
| Allegany County Maryland | 1 | $ 221,000 | $ 221,000 | $ 210,000 |
| Norfolk County Massachusetts | 1 | $ 950,000 | $ 950,000 | $ 295,000 |
| Livingston County Michigan | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Missaukee County Michigan | 1 | $ 122,000 | $ 122,000 | $ 20,000 |
| Monroe County Michigan | 1 | $ 228,000 | $ 228,000 | $ 52,000 |
| Oakland County Michigan | 1 | $ 129,000 | $ 129,000 | $ 39,000 |
| Washtenaw County Michigan | 1 | $ 144,000 | $ 144,000 | $ 114,000 |
| Wexford County Michigan | 1 | $ 52,000 | $ 52,000 | $ 25,000 |
| Anoka County Minnesota | 1 | $ 218,000 | $ 218,000 | $ 51,000 |
| Dakota County Minnesota | 1 | $ 146,000 | $ 146,000 | $ 73,000 |
| Hennepin County Minnesota | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Hunterdon County New Jersey | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Burke County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 53,000 |
| Carteret County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 33,000 |
| Duplin County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Forsyth County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 63,000 |
| Pasquotank County North Carolina | 1 | $ 134,000 | $ 134,000 | $ 46,000 |
| Person County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 34,000 |
| Rowan County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Rutherford County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 32,000 |
| Swain County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Union County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 40,000 |
| Clearfield County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 62,000 |
| Columbia County Pennsylvania | 1 | $ 123,000 | $ 123,000 | $ 21,000 |
| Crawford County Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 60,000 |
| Erie County Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 70,000 |
| Greene County Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 68,000 |
| Jefferson County Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Lackawanna County Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 40,000 |
| Lycoming County Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 133,000 |
| Northumberland County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Snyder County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| Union County Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 43,000 |
| Venango County Pennsylvania | 1 | $ 57,000 | $ 57,000 | $ 36,000 |
| Allendale County South Carolina | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Berkeley County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Cherokee County South Carolina | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Dorchester County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 25,000 |
| Davidson County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 66,000 |
| Fayette County Tennessee | 1 | $ 352,000 | $ 352,000 | $ 93,000 |
| Hamblen County Tennessee | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Hamilton County Tennessee | 1 | $ 101,000 | $ 101,000 | $ 38,000 |
| Stewart County Tennessee | 1 | $ 48,000 | $ 48,000 | $ 23,000 |
| Tipton County Tennessee | 1 | $ 260,000 | $ 260,000 | $ 83,000 |
| Washington County Tennessee | 1 | $ 170,000 | $ 170,000 | $ 54,000 |
| Amherst County Virginia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Arlington County Virginia | 1 | $ 187,000 | $ 187,000 | $ 44,000 |
| Charles City County Virginia | 1 | $ 124,000 | $ 124,000 | $ 54,000 |
| Falls Church County Virginia | 1 | $ 130,000 | $ 130,000 | $ 88,000 |
| Frederick County Virginia | 1 | $ 133,000 | $ 133,000 | $ 44,000 |
| Fredericksburg County Virginia | 1 | $ 384,000 | $ 384,000 | $ 102,000 |
| Giles County Virginia | 1 | $ 110,000 | $ 110,000 | $ 28,000 |
| Greensville County Virginia | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Harrisonburg County Virginia | 1 | $ 118,000 | $ 118,000 | $ 23,000 |
| Henry County Virginia | 1 | $ 338,000 | $ 338,000 | $ 122,000 |
| Hopewell County Virginia | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| King and Queen County Virginia | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Martinsville County Virginia | 1 | $ 144,000 | $ 144,000 | $ 39,000 |
| New Kent County Virginia | 1 | $ 108,000 | $ 108,000 | $ 78,000 |
| Northumberland County Virginia | 1 | $ 416,000 | $ 416,000 | $ 243,000 |
| Powhatan County Virginia | 1 | $ 158,000 | $ 158,000 | $ 90,000 |
| Rockingham County Virginia | 1 | $ 136,000 | $ 136,000 | $ 64,000 |
| Shenandoah County Virginia | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Staunton County Virginia | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Washington County Virginia | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Winchester County Virginia | 1 | $ 165,000 | $ 165,000 | $ 160,000 |
| Wythe County Virginia | 1 | $ 126,000 | $ 126,000 | $ 43,000 |
| York County Virginia | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Cabell County West Virginia | 1 | $ 96,000 | $ 96,000 | $ 108,000 |
| Jefferson County West Virginia | 1 | $ 318,000 | $ 318,000 | $ 108,000 |
| Putnam County West Virginia | 1 | $ 73,000 | $ 73,000 | $ 21,000 |
| Tucker County West Virginia | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Wayne County West Virginia | 1 | $ 32,000 | $ 32,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company in 2005
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 | 2,778 | $472,306,000 | $162,600 | $1,000,000 | $75,100 | $671,000 |
| Home Purchase | 2,642 | $414,713,000 | $147,750 | $1,600,000 | $106,083 | $1,718,000 |
| Home Improvement | 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 | 3,711 | $590,952,000 | $157,913 | $1,000,000 | $87,173 | $750,000 |
| Black or African American | 883 | $146,740,000 | $145,176 | $728,000 | $54,235 | $350,000 |
| Not Provided | 412 | $76,067,000 | $175,400 | $1,600,000 | $93,050 | $1,718,000 |
| Hispanic | 247 | $41,223,000 | $152,153 | $500,000 | $56,384 | $216,000 |
| Asian | 138 | $27,531,000 | $249,333 | $760,000 | $100,555 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $2,994,000 | $162,750 | $452,000 | $86,000 | $147,000 |
| American Indian or Alaskan Native | 11 | $1,512,000 | $121,666 | $312,000 | $59,333 | $110,000 |
| 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) | 4,873 | $802,221,000 | $157,130 | $1,600,000 | $91,565 | $1,718,000 |
| FHA-insured (Federal Housing Administration) | 456 | $67,221,000 | $141,222 | $538,000 | $40,000 | $213,000 |
| VA-guaranteed (Veterans Administration) | 91 | $17,577,000 | $198,555 | $360,000 | $64,222 | $147,000 |
| 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 | 3,617 | $579,326,000 | $156,550 | $1,000,000 | $87,950 | $750,000 |
| Application Withdrawn By Applicant | 1,050 | $182,078,000 | $163,619 | $1,600,000 | $83,428 | $1,000,000 |
| Application Denied By Financial Institution | 452 | $76,530,000 | $150,368 | $1,000,000 | $72,631 | $1,718,000 |
| Application Approved But Not Accepted | 301 | $49,085,000 | $160,647 | $1,000,000 | $79,588 | $346,000 |
| 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 | 43 | $7,168,000 | $213,000 | $560,000 | $67,222 | $190,000 |
| Debt-To-Income Ratio | 32 | $6,169,000 | $149,300 | $495,000 | $62,100 | $195,000 |
| Other | 21 | $2,464,000 | $134,833 | $293,000 | $86,500 | $204,000 |
| Collateral | 14 | $1,811,000 | $144,714 | $318,000 | $131,285 | $294,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company's 2005 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.