Cardinal Financial Company Mortgage Lending & HMDA Data, 2006
In 2006, Cardinal Financial Company of Warminster, PA reported 4,895 mortgage applications totaling $884.6 million, down 10% from 2005. The average application was for $180,715, and applicants reported an average income of $82,934. 65% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Philadelphia, PA (1,518), Baltimore-Towson, MD (425) and Washington-Arlington-Alexandria, DC-VA-MD-WV (416) (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 | 4,895 |
| Total Mortgage Loan Application Amount | $884,600,000 |
| Average Mortgage Loan Application Amount | $180,715 |
| Highest Mortgage Loan Application Amount | $65,000,000 |
| Average Applicant Income | $82,934 |
| Highest Applicant Income | $1,200,000 |
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records Cardinal Financial Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 626 | $ 70,563,000 | $ 112,720 | $ 59,000 |
| Bucks, Pennsylvania | 363 | $ 58,633,000 | $ 161,523 | $ 76,000 |
| Montgomery, Pennsylvania | 326 | $ 50,122,000 | $ 153,748 | $ 84,000 |
| Prince George's, Maryland | 246 | $ 59,536,000 | $ 242,016 | $ 81,000 |
| Lehigh, Pennsylvania | 243 | $ 32,062,000 | $ 131,942 | $ 66,000 |
| Luzerne, Pennsylvania | 172 | $ 17,306,000 | $ 100,616 | $ 51,000 |
| Burlington, New Jersey | 135 | $ 24,199,000 | $ 179,251 | $ 89,000 |
| Camden, New Jersey | 135 | $ 19,014,000 | $ 140,844 | $ 74,000 |
| Anne Arundel, Maryland | 127 | $ 30,466,000 | $ 239,889 | $ 98,000 |
| Baltimore City, Maryland | 111 | $ 14,654,000 | $ 132,018 | $ 78,000 |
| Baltimore, Maryland | 109 | $ 21,716,000 | $ 199,229 | $ 101,000 |
| Delaware, Pennsylvania | 107 | $ 13,302,000 | $ 124,317 | $ 77,000 |
| Chester, Pennsylvania | 96 | $ 17,960,000 | $ 187,083 | $ 103,000 |
| Gloucester, New Jersey | 82 | $ 13,413,000 | $ 163,573 | $ 78,000 |
| New Castle, Delaware | 73 | $ 11,694,000 | $ 160,191 | $ 84,000 |
| Northampton, Pennsylvania | 69 | $ 9,523,000 | $ 138,014 | $ 60,000 |
| Berks, Pennsylvania | 65 | $ 7,813,000 | $ 120,200 | $ 59,000 |
| Cape May, New Jersey | 64 | $ 18,211,000 | $ 284,546 | $ 207,000 |
| Franklin, Ohio | 56 | $ 9,330,000 | $ 166,607 | $ 92,000 |
| Atlantic, New Jersey | 55 | $ 10,739,000 | $ 195,254 | $ 118,000 |
| Lancaster, Pennsylvania | 52 | $ 6,355,000 | $ 122,211 | $ 66,000 |
| Kent, Delaware | 48 | $ 9,000,000 | $ 187,500 | $ 86,000 |
| Montgomery, Maryland | 45 | $ 11,815,000 | $ 262,555 | $ 98,000 |
| Ocean, New Jersey | 45 | $ 10,857,000 | $ 241,266 | $ 147,000 |
| District of Columbia, District Of Columbia | 43 | $ 11,376,000 | $ 264,558 | $ 74,000 |
| York, Pennsylvania | 42 | $ 5,534,000 | $ 131,761 | $ 53,000 |
| Cumberland, New Jersey | 35 | $ 3,976,000 | $ 113,600 | $ 142,000 |
| Charles, Maryland | 33 | $ 7,953,000 | $ 241,000 | $ 93,000 |
| Dauphin, Pennsylvania | 32 | $ 4,129,000 | $ 129,031 | $ 52,000 |
| Allegheny, Pennsylvania | 31 | $ 2,862,000 | $ 92,322 | $ 54,000 |
| St. Joseph, Indiana | 30 | $ 2,321,000 | $ 77,366 | $ 64,000 |
| Mercer, New Jersey | 28 | $ 5,857,000 | $ 209,178 | $ 126,000 |
| Harford, Maryland | 26 | $ 6,261,000 | $ 240,807 | $ 84,000 |
| Monroe, Pennsylvania | 26 | $ 4,087,000 | $ 157,192 | $ 74,000 |
| Middlesex, New Jersey | 25 | $ 6,224,000 | $ 248,960 | $ 102,000 |
| Virginia Beach, Virginia | 25 | $ 4,693,000 | $ 187,720 | $ 63,000 |
| Carroll, Maryland | 24 | $ 5,739,000 | $ 239,125 | $ 86,000 |
| Calvert, Maryland | 23 | $ 6,427,000 | $ 279,434 | $ 70,000 |
| Chesapeake, Virginia | 22 | $ 3,519,000 | $ 159,954 | $ 66,000 |
| Prince William, Virginia | 22 | $ 5,926,000 | $ 269,363 | $ 101,000 |
| Howard, Maryland | 21 | $ 6,380,000 | $ 303,809 | $ 190,000 |
| Sussex, Delaware | 20 | $ 5,123,000 | $ 256,150 | $ 199,000 |
| Frederick, Maryland | 20 | $ 4,605,000 | $ 230,250 | $ 82,000 |
| Union, New Jersey | 20 | $ 5,852,000 | $ 292,600 | $ 127,000 |
| Fulton, Georgia | 19 | $ 2,573,000 | $ 135,421 | $ 93,000 |
| Worcester, Maryland | 18 | $ 4,857,000 | $ 269,833 | $ 215,000 |
| Hudson, New Jersey | 18 | $ 4,340,000 | $ 241,111 | $ 114,000 |
| Cumberland, Pennsylvania | 18 | $ 2,428,000 | $ 134,888 | $ 65,000 |
| Colquitt, Georgia | 17 | $ 1,005,000 | $ 59,117 | $ 25,000 |
| Broward, Florida | 16 | $ 2,891,000 | $ 180,687 | $ 40,000 |
| Wayne, Michigan | 16 | $ 2,757,000 | $ 172,312 | $ 87,000 |
| Monmouth, New Jersey | 16 | $ 5,254,000 | $ 328,375 | $ 114,000 |
| Delaware, Ohio | 16 | $ 3,372,000 | $ 210,750 | $ 95,000 |
| Fairfax, Virginia | 16 | $ 4,438,000 | $ 277,375 | $ 113,000 |
| DeKalb, Georgia | 14 | $ 2,799,000 | $ 199,928 | $ 96,000 |
| Essex, New Jersey | 14 | $ 3,521,000 | $ 251,500 | $ 77,000 |
| Lebanon, Pennsylvania | 14 | $ 2,570,000 | $ 183,571 | $ 108,000 |
| Shelby, Tennessee | 14 | $ 1,795,000 | $ 128,214 | $ 90,000 |
| Miami-Dade, Florida | 13 | $ 2,045,000 | $ 157,307 | $ 85,000 |
| St. Mary's, Maryland | 13 | $ 3,354,000 | $ 258,000 | $ 81,000 |
| Norfolk, Virginia | 13 | $ 1,863,000 | $ 143,307 | $ 145,000 |
| Wicomico, Maryland | 12 | $ 1,837,000 | $ 153,083 | $ 172,000 |
| Carbon, Pennsylvania | 12 | $ 1,553,000 | $ 129,416 | $ 67,000 |
| Orange, Florida | 10 | $ 1,201,000 | $ 120,100 | $ 136,000 |
| Palm Beach, Florida | 10 | $ 2,503,000 | $ 250,300 | $ 122,000 |
| Bergen, New Jersey | 10 | $ 6,379,000 | $ 637,900 | $ 359,000 |
| Richmond City, Virginia | 10 | $ 908,000 | $ 90,800 | $ 53,000 |
| Salem, New Jersey | 9 | $ 1,541,000 | $ 171,222 | $ 90,000 |
| Wake, North Carolina | 9 | $ 949,000 | $ 105,444 | $ 34,000 |
| Schuylkill, Pennsylvania | 9 | $ 626,000 | $ 69,555 | $ 38,000 |
| Hampton, Virginia | 9 | $ 1,454,000 | $ 161,555 | $ 48,000 |
| Stafford, Virginia | 9 | $ 2,112,000 | $ 234,666 | $ 116,000 |
| Gwinnett, Georgia | 8 | $ 952,000 | $ 119,000 | $ 68,000 |
| Adams, Pennsylvania | 8 | $ 1,478,000 | $ 184,750 | $ 70,000 |
| Charleston, South Carolina | 8 | $ 1,580,000 | $ 197,500 | $ 24,000 |
| Loudoun, Virginia | 8 | $ 2,362,000 | $ 295,250 | $ 131,000 |
| Spotsylvania, Virginia | 8 | $ 2,142,000 | $ 267,750 | $ 74,000 |
| Brevard, Florida | 7 | $ 1,105,000 | $ 157,857 | $ 69,000 |
| Duval, Florida | 7 | $ 1,387,000 | $ 198,142 | $ 86,000 |
| Hillsborough, Florida | 7 | $ 1,294,000 | $ 184,857 | $ 96,000 |
| Marion, Indiana | 7 | $ 638,000 | $ 91,142 | $ 49,000 |
| Queen Anne's, Maryland | 7 | $ 1,783,000 | $ 254,714 | $ 105,000 |
| Suffolk, Massachusetts | 6 | $ 1,535,000 | $ 255,833 | $ 124,000 |
| Oakland, Michigan | 6 | $ 3,235,000 | $ 539,166 | $ 304,000 |
| Somerset, New Jersey | 6 | $ 1,029,000 | $ 171,500 | $ 68,000 |
| Chesterfield, Virginia | 6 | $ 1,499,000 | $ 249,833 | $ 117,000 |
| Henrico, Virginia | 6 | $ 747,000 | $ 124,500 | $ 57,000 |
| Jefferson, West Virginia | 6 | $ 1,562,000 | $ 260,333 | $ 150,000 |
| St. Lucie, Florida | 5 | $ 1,053,000 | $ 210,600 | $ 50,000 |
| Cobb, Georgia | 5 | $ 1,605,000 | $ 321,000 | $ 27,000 |
| Scott, Iowa | 5 | $ 345,000 | $ 69,000 | $ 76,000 |
| Kent, Michigan | 5 | $ 461,000 | $ 92,200 | $ 43,000 |
| Hennepin, Minnesota | 5 | $ 1,050,000 | $ 210,000 | $ 58,000 |
| Morris, New Jersey | 5 | $ 1,812,000 | $ 362,400 | $ 335,000 |
| Passaic, New Jersey | 5 | $ 1,475,000 | $ 295,000 | $ 107,000 |
| Wilson, North Carolina | 5 | $ 524,000 | $ 104,800 | $ 45,000 |
| Beaver, Pennsylvania | 5 | $ 586,000 | $ 117,200 | $ 31,000 |
| Lackawanna, Pennsylvania | 5 | $ 694,000 | $ 138,800 | $ 69,000 |
| Portsmouth, Virginia | 5 | $ 827,000 | $ 165,400 | $ 51,000 |
| Suffolk, Virginia | 5 | $ 1,160,000 | $ 232,000 | $ 66,000 |
| Kanawha, West Virginia | 5 | $ 639,000 | $ 127,800 | $ 58,000 |
| Clayton, Georgia | 4 | $ 487,000 | $ 121,750 | $ 65,000 |
| Henry, Georgia | 4 | $ 466,000 | $ 116,500 | $ 51,000 |
| Tift, Georgia | 4 | $ 332,000 | $ 83,000 | $ 55,000 |
| Caroline, Maryland | 4 | $ 801,000 | $ 200,250 | $ 111,000 |
| Cecil, Maryland | 4 | $ 930,000 | $ 232,500 | $ 72,000 |
| Middlesex, Massachusetts | 4 | $ 1,576,000 | $ 394,000 | $ 13,000 |
| Guilford, North Carolina | 4 | $ 637,000 | $ 159,250 | $ 70,000 |
| Cambria, Pennsylvania | 4 | $ 222,000 | $ 55,500 | $ 23,000 |
| Berkeley, South Carolina | 4 | $ 354,000 | $ 88,500 | $ 39,000 |
| Dorchester, South Carolina | 4 | $ 827,000 | $ 206,750 | $ 81,000 |
| Greenville, South Carolina | 4 | $ 487,000 | $ 121,750 | $ 52,000 |
| Horry, South Carolina | 4 | $ 452,000 | $ 113,000 | $ 35,000 |
| James City, Virginia | 4 | $ 665,000 | $ 166,250 | $ 76,000 |
| Newport News, Virginia | 4 | $ 653,000 | $ 163,250 | $ 83,000 |
| Wise, Virginia | 4 | $ 292,000 | $ 73,000 | $ 54,000 |
| Putnam, West Virginia | 4 | $ 544,000 | $ 136,000 | $ 85,000 |
| Bay, Florida | 3 | $ 1,066,000 | $ 355,333 | $ 246,000 |
| Lee, Florida | 3 | $ 1,032,000 | $ 344,000 | $ 129,000 |
| Manatee, Florida | 3 | $ 554,000 | $ 184,666 | $ 15,000 |
| Pasco, Florida | 3 | $ 584,000 | $ 194,666 | $ 111,000 |
| Pinellas, Florida | 3 | $ 553,000 | $ 184,333 | $ 78,000 |
| Polk, Florida | 3 | $ 654,000 | $ 218,000 | $ 761,000 |
| Volusia, Florida | 3 | $ 287,000 | $ 95,666 | $ 29,000 |
| Hamilton, Indiana | 3 | $ 694,000 | $ 231,333 | $ 43,000 |
| Worcester, Massachusetts | 3 | $ 1,041,000 | $ 347,000 | $ 106,000 |
| Washtenaw, Michigan | 3 | $ 763,000 | $ 254,333 | $ 91,000 |
| Anoka, Minnesota | 3 | $ 570,000 | $ 190,000 | $ 67,000 |
| Morrison, Minnesota | 3 | $ 368,000 | $ 122,666 | $ 48,000 |
| Ramsey, Minnesota | 3 | $ 695,000 | $ 231,666 | $ 88,000 |
| Cumberland, North Carolina | 3 | $ 327,000 | $ 109,000 | $ 45,000 |
| Forsyth, North Carolina | 3 | $ 409,000 | $ 136,333 | $ 84,000 |
| Fairfield, Ohio | 3 | $ 444,000 | $ 148,000 | $ 101,000 |
| Morrow, Ohio | 3 | $ 592,000 | $ 197,333 | $ 86,000 |
| Washington, Pennsylvania | 3 | $ 352,000 | $ 117,333 | $ 64,000 |
| Westmoreland, Pennsylvania | 3 | $ 420,000 | $ 140,000 | $ 44,000 |
| King George, Virginia | 3 | $ 470,000 | $ 156,666 | $ 77,000 |
| York, Virginia | 3 | $ 710,000 | $ 236,666 | $ 122,000 |
| Berkeley, West Virginia | 3 | $ 503,000 | $ 167,666 | $ 107,000 |
| Fairfield, Connecticut | 2 | $ 248,000 | $ 124,000 | $ 39,000 |
| Middlesex, Connecticut | 2 | $ 435,000 | $ 217,500 | $ 73,000 |
| Alachua, Florida | 2 | $ 219,000 | $ 109,500 | $ 52,000 |
| Charlotte, Florida | 2 | $ 281,000 | $ 140,500 | $ 60,000 |
| Citrus, Florida | 2 | $ 256,000 | $ 128,000 | $ 41,000 |
| Clay, Florida | 2 | $ 306,000 | $ 153,000 | $ 95,000 |
| Sarasota, Florida | 2 | $ 275,000 | $ 137,500 | $ 80,000 |
| St. Johns, Florida | 2 | $ 467,000 | $ 233,500 | $ 62,000 |
| Berrien, Georgia | 2 | $ 151,000 | $ 75,500 | $ 94,000 |
| Forsyth, Georgia | 2 | $ 476,000 | $ 238,000 | $ 57,000 |
| Lowndes, Georgia | 2 | $ 140,000 | $ 70,000 | $ 11,000 |
| Newton, Georgia | 2 | $ 159,000 | $ 79,500 | $ 48,000 |
| Paulding, Georgia | 2 | $ 115,000 | $ 57,500 | $ 139,000 |
| Brown, Indiana | 2 | $ 163,000 | $ 81,500 | $ 63,000 |
| Elkhart, Indiana | 2 | $ 251,000 | $ 125,500 | $ 54,000 |
| Jefferson, Kentucky | 2 | $ 131,000 | $ 65,500 | $ 131,000 |
| Dorchester, Maryland | 2 | $ 405,000 | $ 202,500 | $ 139,000 |
| Somerset, Maryland | 2 | $ 459,000 | $ 229,500 | $ 86,000 |
| Livingston, Michigan | 2 | $ 229,000 | $ 114,500 | $ 486,000 |
| Muskegon, Michigan | 2 | $ 64,000 | $ 32,000 | $ 101,000 |
| St. Clair, Michigan | 2 | $ 358,000 | $ 179,000 | $ 48,000 |
| Waseca, Minnesota | 2 | $ 281,000 | $ 140,500 | $ 53,000 |
| Hunterdon, New Jersey | 2 | $ 404,000 | $ 202,000 | $ 72,000 |
| Warren, New Jersey | 2 | $ 354,000 | $ 177,000 | $ 71,000 |
| Brunswick, North Carolina | 2 | $ 450,000 | $ 225,000 | $ 300,000 |
| Buncombe, North Carolina | 2 | $ 331,000 | $ 165,500 | $ 451,000 |
| Catawba, North Carolina | 2 | $ 212,000 | $ 106,000 | $ 36,000 |
| Durham, North Carolina | 2 | $ 286,000 | $ 143,000 | $ 46,000 |
| Gaston, North Carolina | 2 | $ 123,000 | $ 61,500 | $ 56,000 |
| Johnston, North Carolina | 2 | $ 310,000 | $ 155,000 | $ 74,000 |
| Mecklenburg, North Carolina | 2 | $ 505,000 | $ 252,500 | $ 330,000 |
| New Hanover, North Carolina | 2 | $ 241,000 | $ 120,500 | $ 54,000 |
| Pasquotank, North Carolina | 2 | $ 114,000 | $ 57,000 | $ 0 |
| Person, North Carolina | 2 | $ 506,000 | $ 253,000 | $ 158,000 |
| Randolph, North Carolina | 2 | $ 274,000 | $ 137,000 | $ 131,000 |
| Robeson, North Carolina | 2 | $ 271,000 | $ 135,500 | $ 60,000 |
| Wayne, North Carolina | 2 | $ 135,000 | $ 67,500 | $ 81,000 |
| Franklin, Pennsylvania | 2 | $ 305,000 | $ 152,500 | $ 47,000 |
| Jefferson, Pennsylvania | 2 | $ 143,000 | $ 71,500 | $ 47,000 |
| Mifflin, Pennsylvania | 2 | $ 134,000 | $ 67,000 | $ 60,000 |
| Perry, Pennsylvania | 2 | $ 294,000 | $ 147,000 | $ 51,000 |
| Pike, Pennsylvania | 2 | $ 266,000 | $ 133,000 | $ 103,000 |
| Susquehanna, Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 121,000 |
| Wayne, Pennsylvania | 2 | $ 246,000 | $ 123,000 | $ 75,000 |
| Wyoming, Pennsylvania | 2 | $ 287,000 | $ 143,500 | $ 46,000 |
| Chester, South Carolina | 2 | $ 164,000 | $ 82,000 | $ 116,000 |
| Richland, South Carolina | 2 | $ 116,000 | $ 58,000 | $ 80,000 |
| Madison, Tennessee | 2 | $ 143,000 | $ 71,500 | $ 47,000 |
| Montgomery, Tennessee | 2 | $ 149,000 | $ 74,500 | $ 19,000 |
| Sevier, Tennessee | 2 | $ 130,000 | $ 65,000 | $ 48,000 |
| Sumner, Tennessee | 2 | $ 267,000 | $ 133,500 | $ 53,000 |
| Albemarle, Virginia | 2 | $ 220,000 | $ 110,000 | $ 100,000 |
| Culpeper, Virginia | 2 | $ 290,000 | $ 145,000 | $ 63,000 |
| Floyd, Virginia | 2 | $ 310,000 | $ 155,000 | $ 76,000 |
| Gloucester, Virginia | 2 | $ 399,000 | $ 199,500 | $ 98,000 |
| Halifax, Virginia | 2 | $ 225,000 | $ 112,500 | $ 43,000 |
| New Kent, Virginia | 2 | $ 295,000 | $ 147,500 | $ 104,000 |
| Petersburg, Virginia | 2 | $ 140,000 | $ 70,000 | $ 57,000 |
| Pittsylvania, Virginia | 2 | $ 304,000 | $ 152,000 | $ 90,000 |
| Mineral, West Virginia | 2 | $ 77,000 | $ 38,500 | $ 164,000 |
| Covington, Alabama | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 63,000 | $ 63,000 | $ 150,000 |
| Litchfield, Connecticut | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| New Haven, Connecticut | 1 | $ 210,000 | $ 210,000 | $ 60,000 |
| Collier, Florida | 1 | $ 157,000 | $ 157,000 | $ 100,000 |
| Flagler, Florida | 1 | $ 202,000 | $ 202,000 | $ 76,000 |
| Hernando, Florida | 1 | $ 120,000 | $ 120,000 | $ 34,000 |
| Lake, Florida | 1 | $ 341,000 | $ 341,000 | $ 56,000 |
| Marion, Florida | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Martin, Florida | 1 | $ 70,000 | $ 70,000 | $ 53,000 |
| Okaloosa, Florida | 1 | $ 176,000 | $ 176,000 | $ 66,000 |
| Osceola, Florida | 1 | $ 296,000 | $ 296,000 | $ 94,000 |
| Columbia, Georgia | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Coweta, Georgia | 1 | $ 117,000 | $ 117,000 | $ 48,000 |
| Crisp, Georgia | 1 | $ 67,000 | $ 67,000 | $ 23,000 |
| Hall, Georgia | 1 | $ 184,000 | $ 184,000 | $ 59,000 |
| Houston, Georgia | 1 | $ 124,000 | $ 124,000 | $ 84,000 |
| Lanier, Georgia | 1 | $ 150,000 | $ 150,000 | $ 62,000 |
| Mitchell, Georgia | 1 | $ 46,000 | $ 46,000 | $ 38,000 |
| Whitfield, Georgia | 1 | $ 127,000 | $ 127,000 | $ 42,000 |
| Wilcox, Georgia | 1 | $ 41,000 | $ 41,000 | $ 27,000 |
| Wilkinson, Georgia | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| Allen, Indiana | 1 | $ 69,000 | $ 69,000 | $ 56,000 |
| Hendricks, Indiana | 1 | $ 187,000 | $ 187,000 | $ 389,000 |
| Sullivan, Indiana | 1 | $ 44,000 | $ 44,000 | $ 16,000 |
| Warrick, Indiana | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Polk, Iowa | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Pottawattamie, Iowa | 1 | $ 67,000 | $ 67,000 | $ 58,000 |
| Henry, Kentucky | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Talbot, Maryland | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Washington, Maryland | 1 | $ 201,000 | $ 201,000 | $ 67,000 |
| Hampshire, Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Kalamazoo, Michigan | 1 | $ 127,000 | $ 127,000 | $ 51,000 |
| Crow Wing, Minnesota | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Freeborn, Minnesota | 1 | $ 140,000 | $ 140,000 | $ 47,000 |
| Goodhue, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Itasca, Minnesota | 1 | $ 174,000 | $ 174,000 | $ 47,000 |
| Kandiyohi, Minnesota | 1 | $ 117,000 | $ 117,000 | $ 85,000 |
| Mower, Minnesota | 1 | $ 111,000 | $ 111,000 | $ 25,000 |
| Otter Tail, Minnesota | 1 | $ 188,000 | $ 188,000 | $ 39,000 |
| Scott, Minnesota | 1 | $ 206,000 | $ 206,000 | $ 99,000 |
| Sherburne, Minnesota | 1 | $ 194,000 | $ 194,000 | $ 44,000 |
| Sibley, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| St. Louis, Minnesota | 1 | $ 203,000 | $ 203,000 | $ 56,000 |
| Stearns, Minnesota | 1 | $ 169,000 | $ 169,000 | $ 38,000 |
| Washington, Minnesota | 1 | $ 267,000 | $ 267,000 | $ 80,000 |
| Winona, Minnesota | 1 | $ 139,000 | $ 139,000 | $ 67,000 |
| Clark, Nevada | 1 | $ 65,000,000 | $ 65,000,000 | $ 1,200,000 |
| Bladen, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Franklin, North Carolina | 1 | $ 131,000 | $ 131,000 | $ 44,000 |
| Granville, North Carolina | 1 | $ 84,000 | $ 84,000 | $ 76,000 |
| Harnett, North Carolina | 1 | $ 149,000 | $ 149,000 | $ 48,000 |
| Haywood, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 324,000 |
| Lenoir, North Carolina | 1 | $ 35,000 | $ 35,000 | $ 14,000 |
| Moore, North Carolina | 1 | $ 159,000 | $ 159,000 | $ 46,000 |
| Nash, North Carolina | 1 | $ 141,000 | $ 141,000 | $ 40,000 |
| Onslow, North Carolina | 1 | $ 126,000 | $ 126,000 | $ 49,000 |
| Rowan, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Knox, Ohio | 1 | $ 193,000 | $ 193,000 | $ 172,000 |
| Licking, Ohio | 1 | $ 206,000 | $ 206,000 | $ 88,000 |
| Marion, Ohio | 1 | $ 209,000 | $ 209,000 | $ 55,000 |
| Medina, Ohio | 1 | $ 188,000 | $ 188,000 | $ 105,000 |
| Union, Ohio | 1 | $ 87,000 | $ 87,000 | $ 24,000 |
| Blair, Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| Bradford, Pennsylvania | 1 | $ 42,000 | $ 42,000 | $ 76,000 |
| Crawford, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Erie, Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 46,000 |
| Fayette, Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 63,000 |
| Lycoming, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| McKean, Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 64,000 |
| Somerset, Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 80,000 |
| Union, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Kent, Rhode Island | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Spartanburg, South Carolina | 1 | $ 27,000 | $ 27,000 | $ 14,000 |
| York, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 170,000 |
| Fayette, Tennessee | 1 | $ 169,000 | $ 169,000 | $ 41,000 |
| Lauderdale, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| Maury, Tennessee | 1 | $ 117,000 | $ 117,000 | $ 25,000 |
| Robertson, Tennessee | 1 | $ 240,000 | $ 240,000 | $ 76,000 |
| Rutherford, Tennessee | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Sullivan, Tennessee | 1 | $ 37,000 | $ 37,000 | $ 21,000 |
| Arlington, Virginia | 1 | $ 232,000 | $ 232,000 | $ 54,000 |
| Botetourt, Virginia | 1 | $ 243,000 | $ 243,000 | $ 105,000 |
| Caroline, Virginia | 1 | $ 161,000 | $ 161,000 | $ 42,000 |
| Danville, Virginia | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Franklin, Virginia | 1 | $ 417,000 | $ 417,000 | $ 198,000 |
| Franklin City, Virginia | 1 | $ 144,000 | $ 144,000 | $ 26,000 |
| Frederick, Virginia | 1 | $ 118,000 | $ 118,000 | $ 31,000 |
| Isle of Wight, Virginia | 1 | $ 308,000 | $ 308,000 | $ 87,000 |
| Madison, Virginia | 1 | $ 198,000 | $ 198,000 | $ 54,000 |
| Nelson, Virginia | 1 | $ 171,000 | $ 171,000 | $ 88,000 |
| Nottoway, Virginia | 1 | $ 169,000 | $ 169,000 | $ 50,000 |
| Shenandoah, Virginia | 1 | $ 170,000 | $ 170,000 | $ 61,000 |
| Warren, Virginia | 1 | $ 222,000 | $ 222,000 | $ 56,000 |
| Washington, Virginia | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Winchester, Virginia | 1 | $ 249,000 | $ 249,000 | $ 75,000 |
| Tucker, West Virginia | 1 | $ 100,000 | $ 100,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company in 2006
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 | 2,607 | $481,532,000 | $184,000 | $65,000,000 | $82,000 | $1,200,000 |
| Refinancing | 2,288 | $403,068,000 | $176,000 | $2,598,000 | $84,000 | $1,189,000 |
| 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 | 3,168 | $518,690,000 | $163,000 | $1,500,000 | $89,000 | $1,189,000 |
| Black or African American | 1,076 | $189,216,000 | $175,000 | $2,000,000 | $70,000 | $816,000 |
| Not Provided | 304 | $121,337,000 | $399,000 | $65,000,000 | $85,000 | $1,200,000 |
| Hispanic | 223 | $35,213,000 | $157,000 | $519,000 | $65,000 | $247,000 |
| Asian | 96 | $14,685,000 | $152,000 | $594,000 | $64,000 | $279,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $3,280,000 | $192,000 | $355,000 | $83,000 | $176,000 |
| American Indian or Alaskan Native | 11 | $2,179,000 | $198,000 | $320,000 | $76,000 | $155,000 |
| 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) | 4,043 | $742,022,000 | $183,000 | $65,000,000 | $89,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 706 | $112,421,000 | $159,000 | $429,000 | $50,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 146 | $30,157,000 | $206,000 | $417,000 | $65,000 | $234,000 |
| 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 | 3,202 | $512,792,000 | $160,000 | $1,225,000 | $79,000 | $1,040,000 |
| Application Withdrawn By Applicant | 946 | $171,241,000 | $181,000 | $2,598,000 | $91,000 | $1,189,000 |
| Application Denied By Financial Institution | 485 | $154,484,000 | $318,000 | $65,000,000 | $84,000 | $1,200,000 |
| Application Approved But Not Accepted | 260 | $45,710,000 | $175,000 | $1,500,000 | $96,000 | $1,000,000 |
| Loan Purchased By The Institution | 2 | $373,000 | $186,000 | $271,000 | $67,000 | $68,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 42 | $72,615,000 | $1,728,000 | $65,000,000 | $92,000 | $1,200,000 |
| Debt-To-Income Ratio | 26 | $5,307,000 | $204,000 | $616,000 | $59,000 | $151,000 |
| Collateral | 21 | $2,526,000 | $120,000 | $294,000 | $48,000 | $106,000 |
| Unverifiable Information | 6 | $1,088,000 | $181,000 | $450,000 | $138,000 | $155,000 |
| Other | 5 | $993,000 | $198,000 | $533,000 | $77,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,183,000 | $236,000 | $518,000 | $59,000 | $116,000 |
| Employment History | 3 | $384,000 | $128,000 | $291,000 | $41,000 | $73,000 |
| Credit Application Incomplete | 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 2006 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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