Cardinal Financial Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Cardinal Financial Company 2006 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 | 4,895 |
| Total Mortgage Loan Application Amount | $884,600,000 |
| Average Mortgage Loan Application Amount | $180,000 |
| Highest Mortgage Loan Application Amount | $65,000,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 626 | $ 70,563,000 | $ 112,000 | $ 59,000 |
| Bucks County Pennsylvania | 363 | $ 58,633,000 | $ 161,000 | $ 76,000 |
| Montgomery County Pennsylvania | 326 | $ 50,122,000 | $ 153,000 | $ 84,000 |
| Prince George's County Maryland | 246 | $ 59,536,000 | $ 242,000 | $ 81,000 |
| Lehigh County Pennsylvania | 243 | $ 32,062,000 | $ 131,000 | $ 66,000 |
| Luzerne County Pennsylvania | 172 | $ 17,306,000 | $ 100,000 | $ 51,000 |
| Burlington County New Jersey | 135 | $ 24,199,000 | $ 179,000 | $ 89,000 |
| Camden County New Jersey | 135 | $ 19,014,000 | $ 140,000 | $ 74,000 |
| Anne Arundel County Maryland | 127 | $ 30,466,000 | $ 239,000 | $ 98,000 |
| Baltimore City County Maryland | 111 | $ 14,654,000 | $ 132,000 | $ 78,000 |
| Baltimore County Maryland | 109 | $ 21,716,000 | $ 199,000 | $ 101,000 |
| Delaware County Pennsylvania | 107 | $ 13,302,000 | $ 124,000 | $ 77,000 |
| Chester County Pennsylvania | 96 | $ 17,960,000 | $ 187,000 | $ 103,000 |
| Gloucester County New Jersey | 82 | $ 13,413,000 | $ 163,000 | $ 78,000 |
| New Castle County Delaware | 73 | $ 11,694,000 | $ 160,000 | $ 84,000 |
| Northampton County Pennsylvania | 69 | $ 9,523,000 | $ 138,000 | $ 60,000 |
| Berks County Pennsylvania | 65 | $ 7,813,000 | $ 120,000 | $ 59,000 |
| Cape May County New Jersey | 64 | $ 18,211,000 | $ 284,000 | $ 207,000 |
| Franklin County Ohio | 56 | $ 9,330,000 | $ 166,000 | $ 92,000 |
| Atlantic County New Jersey | 55 | $ 10,739,000 | $ 195,000 | $ 118,000 |
| Lancaster County Pennsylvania | 52 | $ 6,355,000 | $ 122,000 | $ 66,000 |
| Kent County Delaware | 48 | $ 9,000,000 | $ 187,000 | $ 86,000 |
| Montgomery County Maryland | 45 | $ 11,815,000 | $ 262,000 | $ 98,000 |
| Ocean County New Jersey | 45 | $ 10,857,000 | $ 241,000 | $ 147,000 |
| District of Columbia County District Of Columbia | 43 | $ 11,376,000 | $ 264,000 | $ 74,000 |
| York County Pennsylvania | 42 | $ 5,534,000 | $ 131,000 | $ 53,000 |
| Cumberland County New Jersey | 35 | $ 3,976,000 | $ 113,000 | $ 142,000 |
| Charles County Maryland | 33 | $ 7,953,000 | $ 241,000 | $ 93,000 |
| Dauphin County Pennsylvania | 32 | $ 4,129,000 | $ 129,000 | $ 52,000 |
| Allegheny County Pennsylvania | 31 | $ 2,862,000 | $ 92,000 | $ 54,000 |
| St. Joseph County Indiana | 30 | $ 2,321,000 | $ 77,000 | $ 64,000 |
| Mercer County New Jersey | 28 | $ 5,857,000 | $ 209,000 | $ 126,000 |
| Harford County Maryland | 26 | $ 6,261,000 | $ 240,000 | $ 84,000 |
| Monroe County Pennsylvania | 26 | $ 4,087,000 | $ 157,000 | $ 74,000 |
| Middlesex County New Jersey | 25 | $ 6,224,000 | $ 248,000 | $ 102,000 |
| Virginia Beach County Virginia | 25 | $ 4,693,000 | $ 187,000 | $ 63,000 |
| Carroll County Maryland | 24 | $ 5,739,000 | $ 239,000 | $ 86,000 |
| Calvert County Maryland | 23 | $ 6,427,000 | $ 279,000 | $ 70,000 |
| Chesapeake County Virginia | 22 | $ 3,519,000 | $ 159,000 | $ 66,000 |
| Prince William County Virginia | 22 | $ 5,926,000 | $ 269,000 | $ 101,000 |
| Howard County Maryland | 21 | $ 6,380,000 | $ 303,000 | $ 190,000 |
| Sussex County Delaware | 20 | $ 5,123,000 | $ 256,000 | $ 199,000 |
| Frederick County Maryland | 20 | $ 4,605,000 | $ 230,000 | $ 82,000 |
| Union County New Jersey | 20 | $ 5,852,000 | $ 292,000 | $ 127,000 |
| Fulton County Georgia | 19 | $ 2,573,000 | $ 135,000 | $ 93,000 |
| Worcester County Maryland | 18 | $ 4,857,000 | $ 269,000 | $ 215,000 |
| Hudson County New Jersey | 18 | $ 4,340,000 | $ 241,000 | $ 114,000 |
| Cumberland County Pennsylvania | 18 | $ 2,428,000 | $ 134,000 | $ 65,000 |
| Colquitt County Georgia | 17 | $ 1,005,000 | $ 59,000 | $ 25,000 |
| Broward County Florida | 16 | $ 2,891,000 | $ 180,000 | $ 40,000 |
| Wayne County Michigan | 16 | $ 2,757,000 | $ 172,000 | $ 87,000 |
| Monmouth County New Jersey | 16 | $ 5,254,000 | $ 328,000 | $ 114,000 |
| Delaware County Ohio | 16 | $ 3,372,000 | $ 210,000 | $ 95,000 |
| Fairfax County Virginia | 16 | $ 4,438,000 | $ 277,000 | $ 113,000 |
| DeKalb County Georgia | 14 | $ 2,799,000 | $ 199,000 | $ 96,000 |
| Essex County New Jersey | 14 | $ 3,521,000 | $ 251,000 | $ 77,000 |
| Lebanon County Pennsylvania | 14 | $ 2,570,000 | $ 183,000 | $ 108,000 |
| Shelby County Tennessee | 14 | $ 1,795,000 | $ 128,000 | $ 90,000 |
| Miami-Dade County Florida | 13 | $ 2,045,000 | $ 157,000 | $ 85,000 |
| St. Mary's County Maryland | 13 | $ 3,354,000 | $ 258,000 | $ 81,000 |
| Norfolk County Virginia | 13 | $ 1,863,000 | $ 143,000 | $ 145,000 |
| Wicomico County Maryland | 12 | $ 1,837,000 | $ 153,000 | $ 172,000 |
| Carbon County Pennsylvania | 12 | $ 1,553,000 | $ 129,000 | $ 67,000 |
| Orange County Florida | 10 | $ 1,201,000 | $ 120,000 | $ 136,000 |
| Palm Beach County Florida | 10 | $ 2,503,000 | $ 250,000 | $ 122,000 |
| Bergen County New Jersey | 10 | $ 6,379,000 | $ 637,000 | $ 359,000 |
| Richmond City County Virginia | 10 | $ 908,000 | $ 90,000 | $ 53,000 |
| Salem County New Jersey | 9 | $ 1,541,000 | $ 171,000 | $ 90,000 |
| Wake County North Carolina | 9 | $ 949,000 | $ 105,000 | $ 34,000 |
| Schuylkill County Pennsylvania | 9 | $ 626,000 | $ 69,000 | $ 38,000 |
| Hampton County Virginia | 9 | $ 1,454,000 | $ 161,000 | $ 48,000 |
| Stafford County Virginia | 9 | $ 2,112,000 | $ 234,000 | $ 116,000 |
| Gwinnett County Georgia | 8 | $ 952,000 | $ 119,000 | $ 68,000 |
| Adams County Pennsylvania | 8 | $ 1,478,000 | $ 184,000 | $ 70,000 |
| Charleston County South Carolina | 8 | $ 1,580,000 | $ 197,000 | $ 24,000 |
| Loudoun County Virginia | 8 | $ 2,362,000 | $ 295,000 | $ 131,000 |
| Spotsylvania County Virginia | 8 | $ 2,142,000 | $ 267,000 | $ 74,000 |
| Brevard County Florida | 7 | $ 1,105,000 | $ 157,000 | $ 69,000 |
| Duval County Florida | 7 | $ 1,387,000 | $ 198,000 | $ 86,000 |
| Hillsborough County Florida | 7 | $ 1,294,000 | $ 184,000 | $ 96,000 |
| Marion County Indiana | 7 | $ 638,000 | $ 91,000 | $ 49,000 |
| Queen Anne's County Maryland | 7 | $ 1,783,000 | $ 254,000 | $ 105,000 |
| Suffolk County Massachusetts | 6 | $ 1,535,000 | $ 255,000 | $ 124,000 |
| Oakland County Michigan | 6 | $ 3,235,000 | $ 539,000 | $ 304,000 |
| Somerset County New Jersey | 6 | $ 1,029,000 | $ 171,000 | $ 68,000 |
| Chesterfield County Virginia | 6 | $ 1,499,000 | $ 249,000 | $ 117,000 |
| Henrico County Virginia | 6 | $ 747,000 | $ 124,000 | $ 57,000 |
| Jefferson County West Virginia | 6 | $ 1,562,000 | $ 260,000 | $ 150,000 |
| St. Lucie County Florida | 5 | $ 1,053,000 | $ 210,000 | $ 50,000 |
| Cobb County Georgia | 5 | $ 1,605,000 | $ 321,000 | $ 27,000 |
| Scott County Iowa | 5 | $ 345,000 | $ 69,000 | $ 76,000 |
| Kent County Michigan | 5 | $ 461,000 | $ 92,000 | $ 43,000 |
| Hennepin County Minnesota | 5 | $ 1,050,000 | $ 210,000 | $ 58,000 |
| Morris County New Jersey | 5 | $ 1,812,000 | $ 362,000 | $ 335,000 |
| Passaic County New Jersey | 5 | $ 1,475,000 | $ 295,000 | $ 107,000 |
| Wilson County North Carolina | 5 | $ 524,000 | $ 104,000 | $ 45,000 |
| Beaver County Pennsylvania | 5 | $ 586,000 | $ 117,000 | $ 31,000 |
| Lackawanna County Pennsylvania | 5 | $ 694,000 | $ 138,000 | $ 69,000 |
| Portsmouth County Virginia | 5 | $ 827,000 | $ 165,000 | $ 51,000 |
| Suffolk County Virginia | 5 | $ 1,160,000 | $ 232,000 | $ 66,000 |
| Kanawha County West Virginia | 5 | $ 639,000 | $ 127,000 | $ 58,000 |
| Clayton County Georgia | 4 | $ 487,000 | $ 121,000 | $ 65,000 |
| Henry County Georgia | 4 | $ 466,000 | $ 116,000 | $ 51,000 |
| Tift County Georgia | 4 | $ 332,000 | $ 83,000 | $ 55,000 |
| Caroline County Maryland | 4 | $ 801,000 | $ 200,000 | $ 111,000 |
| Cecil County Maryland | 4 | $ 930,000 | $ 232,000 | $ 72,000 |
| Middlesex County Massachusetts | 4 | $ 1,576,000 | $ 394,000 | $ 13,000 |
| Guilford County North Carolina | 4 | $ 637,000 | $ 159,000 | $ 70,000 |
| Cambria County Pennsylvania | 4 | $ 222,000 | $ 55,000 | $ 23,000 |
| Berkeley County South Carolina | 4 | $ 354,000 | $ 88,000 | $ 39,000 |
| Dorchester County South Carolina | 4 | $ 827,000 | $ 206,000 | $ 81,000 |
| Greenville County South Carolina | 4 | $ 487,000 | $ 121,000 | $ 52,000 |
| Horry County South Carolina | 4 | $ 452,000 | $ 113,000 | $ 35,000 |
| James City County Virginia | 4 | $ 665,000 | $ 166,000 | $ 76,000 |
| Newport News County Virginia | 4 | $ 653,000 | $ 163,000 | $ 83,000 |
| Wise County Virginia | 4 | $ 292,000 | $ 73,000 | $ 54,000 |
| Putnam County West Virginia | 4 | $ 544,000 | $ 136,000 | $ 85,000 |
| Bay County Florida | 3 | $ 1,066,000 | $ 355,000 | $ 246,000 |
| Lee County Florida | 3 | $ 1,032,000 | $ 344,000 | $ 129,000 |
| Manatee County Florida | 3 | $ 554,000 | $ 184,000 | $ 15,000 |
| Pasco County Florida | 3 | $ 584,000 | $ 194,000 | $ 111,000 |
| Pinellas County Florida | 3 | $ 553,000 | $ 184,000 | $ 78,000 |
| Polk County Florida | 3 | $ 654,000 | $ 218,000 | $ 761,000 |
| Volusia County Florida | 3 | $ 287,000 | $ 95,000 | $ 29,000 |
| Hamilton County Indiana | 3 | $ 694,000 | $ 231,000 | $ 43,000 |
| Worcester County Massachusetts | 3 | $ 1,041,000 | $ 347,000 | $ 106,000 |
| Washtenaw County Michigan | 3 | $ 763,000 | $ 254,000 | $ 91,000 |
| Anoka County Minnesota | 3 | $ 570,000 | $ 190,000 | $ 67,000 |
| Morrison County Minnesota | 3 | $ 368,000 | $ 122,000 | $ 48,000 |
| Ramsey County Minnesota | 3 | $ 695,000 | $ 231,000 | $ 88,000 |
| Cumberland County North Carolina | 3 | $ 327,000 | $ 109,000 | $ 45,000 |
| Forsyth County North Carolina | 3 | $ 409,000 | $ 136,000 | $ 84,000 |
| Fairfield County Ohio | 3 | $ 444,000 | $ 148,000 | $ 101,000 |
| Morrow County Ohio | 3 | $ 592,000 | $ 197,000 | $ 86,000 |
| Washington County Pennsylvania | 3 | $ 352,000 | $ 117,000 | $ 64,000 |
| Westmoreland County Pennsylvania | 3 | $ 420,000 | $ 140,000 | $ 44,000 |
| King George County Virginia | 3 | $ 470,000 | $ 156,000 | $ 77,000 |
| York County Virginia | 3 | $ 710,000 | $ 236,000 | $ 122,000 |
| Berkeley County West Virginia | 3 | $ 503,000 | $ 167,000 | $ 107,000 |
| Fairfield County Connecticut | 2 | $ 248,000 | $ 124,000 | $ 39,000 |
| Middlesex County Connecticut | 2 | $ 435,000 | $ 217,000 | $ 73,000 |
| Alachua County Florida | 2 | $ 219,000 | $ 109,000 | $ 52,000 |
| Charlotte County Florida | 2 | $ 281,000 | $ 140,000 | $ 60,000 |
| Citrus County Florida | 2 | $ 256,000 | $ 128,000 | $ 41,000 |
| Clay County Florida | 2 | $ 306,000 | $ 153,000 | $ 95,000 |
| Sarasota County Florida | 2 | $ 275,000 | $ 137,000 | $ 80,000 |
| St. Johns County Florida | 2 | $ 467,000 | $ 233,000 | $ 62,000 |
| Berrien County Georgia | 2 | $ 151,000 | $ 75,000 | $ 94,000 |
| Forsyth County Georgia | 2 | $ 476,000 | $ 238,000 | $ 57,000 |
| Lowndes County Georgia | 2 | $ 140,000 | $ 70,000 | $ 11,000 |
| Newton County Georgia | 2 | $ 159,000 | $ 79,000 | $ 48,000 |
| Paulding County Georgia | 2 | $ 115,000 | $ 57,000 | $ 139,000 |
| Brown County Indiana | 2 | $ 163,000 | $ 81,000 | $ 63,000 |
| Elkhart County Indiana | 2 | $ 251,000 | $ 125,000 | $ 54,000 |
| Jefferson County Kentucky | 2 | $ 131,000 | $ 65,000 | $ 131,000 |
| Dorchester County Maryland | 2 | $ 405,000 | $ 202,000 | $ 139,000 |
| Somerset County Maryland | 2 | $ 459,000 | $ 229,000 | $ 86,000 |
| Livingston County Michigan | 2 | $ 229,000 | $ 114,000 | $ 486,000 |
| Muskegon County Michigan | 2 | $ 64,000 | $ 32,000 | $ 101,000 |
| St. Clair County Michigan | 2 | $ 358,000 | $ 179,000 | $ 48,000 |
| Waseca County Minnesota | 2 | $ 281,000 | $ 140,000 | $ 53,000 |
| Hunterdon County New Jersey | 2 | $ 404,000 | $ 202,000 | $ 72,000 |
| Warren County New Jersey | 2 | $ 354,000 | $ 177,000 | $ 71,000 |
| Brunswick County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 300,000 |
| Buncombe County North Carolina | 2 | $ 331,000 | $ 165,000 | $ 451,000 |
| Catawba County North Carolina | 2 | $ 212,000 | $ 106,000 | $ 36,000 |
| Durham County North Carolina | 2 | $ 286,000 | $ 143,000 | $ 46,000 |
| Gaston County North Carolina | 2 | $ 123,000 | $ 61,000 | $ 56,000 |
| Johnston County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 74,000 |
| Mecklenburg County North Carolina | 2 | $ 505,000 | $ 252,000 | $ 330,000 |
| New Hanover County North Carolina | 2 | $ 241,000 | $ 120,000 | $ 54,000 |
| Pasquotank County North Carolina | 2 | $ 114,000 | $ 57,000 | $ 0 |
| Person County North Carolina | 2 | $ 506,000 | $ 253,000 | $ 158,000 |
| Randolph County North Carolina | 2 | $ 274,000 | $ 137,000 | $ 131,000 |
| Robeson County North Carolina | 2 | $ 271,000 | $ 135,000 | $ 60,000 |
| Wayne County North Carolina | 2 | $ 135,000 | $ 67,000 | $ 81,000 |
| Franklin County Pennsylvania | 2 | $ 305,000 | $ 152,000 | $ 47,000 |
| Jefferson County Pennsylvania | 2 | $ 143,000 | $ 71,000 | $ 47,000 |
| Mifflin County Pennsylvania | 2 | $ 134,000 | $ 67,000 | $ 60,000 |
| Perry County Pennsylvania | 2 | $ 294,000 | $ 147,000 | $ 51,000 |
| Pike County Pennsylvania | 2 | $ 266,000 | $ 133,000 | $ 103,000 |
| Susquehanna County Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 121,000 |
| Wayne County Pennsylvania | 2 | $ 246,000 | $ 123,000 | $ 75,000 |
| Wyoming County Pennsylvania | 2 | $ 287,000 | $ 143,000 | $ 46,000 |
| Chester County South Carolina | 2 | $ 164,000 | $ 82,000 | $ 116,000 |
| Richland County South Carolina | 2 | $ 116,000 | $ 58,000 | $ 80,000 |
| Madison County Tennessee | 2 | $ 143,000 | $ 71,000 | $ 47,000 |
| Montgomery County Tennessee | 2 | $ 149,000 | $ 74,000 | $ 19,000 |
| Sevier County Tennessee | 2 | $ 130,000 | $ 65,000 | $ 48,000 |
| Sumner County Tennessee | 2 | $ 267,000 | $ 133,000 | $ 53,000 |
| Albemarle County Virginia | 2 | $ 220,000 | $ 110,000 | $ 100,000 |
| Culpeper County Virginia | 2 | $ 290,000 | $ 145,000 | $ 63,000 |
| Floyd County Virginia | 2 | $ 310,000 | $ 155,000 | $ 76,000 |
| Gloucester County Virginia | 2 | $ 399,000 | $ 199,000 | $ 98,000 |
| Halifax County Virginia | 2 | $ 225,000 | $ 112,000 | $ 43,000 |
| New Kent County Virginia | 2 | $ 295,000 | $ 147,000 | $ 104,000 |
| Petersburg County Virginia | 2 | $ 140,000 | $ 70,000 | $ 57,000 |
| Pittsylvania County Virginia | 2 | $ 304,000 | $ 152,000 | $ 90,000 |
| Mineral County West Virginia | 2 | $ 77,000 | $ 38,000 | $ 164,000 |
| Covington County Alabama | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 63,000 | $ 63,000 | $ 150,000 |
| Litchfield County Connecticut | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| New Haven County Connecticut | 1 | $ 210,000 | $ 210,000 | $ 60,000 |
| Collier County Florida | 1 | $ 157,000 | $ 157,000 | $ 100,000 |
| Flagler County Florida | 1 | $ 202,000 | $ 202,000 | $ 76,000 |
| Hernando County Florida | 1 | $ 120,000 | $ 120,000 | $ 34,000 |
| Lake County Florida | 1 | $ 341,000 | $ 341,000 | $ 56,000 |
| Marion County Florida | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Martin County Florida | 1 | $ 70,000 | $ 70,000 | $ 53,000 |
| Okaloosa County Florida | 1 | $ 176,000 | $ 176,000 | $ 66,000 |
| Osceola County Florida | 1 | $ 296,000 | $ 296,000 | $ 94,000 |
| Columbia County Georgia | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Coweta County Georgia | 1 | $ 117,000 | $ 117,000 | $ 48,000 |
| Crisp County Georgia | 1 | $ 67,000 | $ 67,000 | $ 23,000 |
| Hall County Georgia | 1 | $ 184,000 | $ 184,000 | $ 59,000 |
| Houston County Georgia | 1 | $ 124,000 | $ 124,000 | $ 84,000 |
| Lanier County Georgia | 1 | $ 150,000 | $ 150,000 | $ 62,000 |
| Mitchell County Georgia | 1 | $ 46,000 | $ 46,000 | $ 38,000 |
| Whitfield County Georgia | 1 | $ 127,000 | $ 127,000 | $ 42,000 |
| Wilcox County Georgia | 1 | $ 41,000 | $ 41,000 | $ 27,000 |
| Wilkinson County Georgia | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| Allen County Indiana | 1 | $ 69,000 | $ 69,000 | $ 56,000 |
| Hendricks County Indiana | 1 | $ 187,000 | $ 187,000 | $ 389,000 |
| Sullivan County Indiana | 1 | $ 44,000 | $ 44,000 | $ 16,000 |
| Warrick County Indiana | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Polk County Iowa | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Pottawattamie County Iowa | 1 | $ 67,000 | $ 67,000 | $ 58,000 |
| Henry County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Talbot County Maryland | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Washington County Maryland | 1 | $ 201,000 | $ 201,000 | $ 67,000 |
| Hampshire County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Kalamazoo County Michigan | 1 | $ 127,000 | $ 127,000 | $ 51,000 |
| Crow Wing County Minnesota | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Freeborn County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 47,000 |
| Goodhue County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Itasca County Minnesota | 1 | $ 174,000 | $ 174,000 | $ 47,000 |
| Kandiyohi County Minnesota | 1 | $ 117,000 | $ 117,000 | $ 85,000 |
| Mower County Minnesota | 1 | $ 111,000 | $ 111,000 | $ 25,000 |
| Otter Tail County Minnesota | 1 | $ 188,000 | $ 188,000 | $ 39,000 |
| Scott County Minnesota | 1 | $ 206,000 | $ 206,000 | $ 99,000 |
| Sherburne County Minnesota | 1 | $ 194,000 | $ 194,000 | $ 44,000 |
| Sibley County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| St. Louis County Minnesota | 1 | $ 203,000 | $ 203,000 | $ 56,000 |
| Stearns County Minnesota | 1 | $ 169,000 | $ 169,000 | $ 38,000 |
| Washington County Minnesota | 1 | $ 267,000 | $ 267,000 | $ 80,000 |
| Winona County Minnesota | 1 | $ 139,000 | $ 139,000 | $ 67,000 |
| Clark County Nevada | 1 | $ 65,000,000 | $ 65,000,000 | $ 1,200,000 |
| Bladen County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Franklin County North Carolina | 1 | $ 131,000 | $ 131,000 | $ 44,000 |
| Granville County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 76,000 |
| Harnett County North Carolina | 1 | $ 149,000 | $ 149,000 | $ 48,000 |
| Haywood County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 324,000 |
| Lenoir County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 14,000 |
| Moore County North Carolina | 1 | $ 159,000 | $ 159,000 | $ 46,000 |
| Nash County North Carolina | 1 | $ 141,000 | $ 141,000 | $ 40,000 |
| Onslow County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 49,000 |
| Rowan County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Knox County Ohio | 1 | $ 193,000 | $ 193,000 | $ 172,000 |
| Licking County Ohio | 1 | $ 206,000 | $ 206,000 | $ 88,000 |
| Marion County Ohio | 1 | $ 209,000 | $ 209,000 | $ 55,000 |
| Medina County Ohio | 1 | $ 188,000 | $ 188,000 | $ 105,000 |
| Union County Ohio | 1 | $ 87,000 | $ 87,000 | $ 24,000 |
| Blair County Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| Bradford County Pennsylvania | 1 | $ 42,000 | $ 42,000 | $ 76,000 |
| Crawford County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Erie County Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 46,000 |
| Fayette County Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 63,000 |
| Lycoming County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| McKean County Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 64,000 |
| Somerset County Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 80,000 |
| Union County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Kent County Rhode Island | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 27,000 | $ 27,000 | $ 14,000 |
| York County South Carolina | 1 | $ 250,000 | $ 250,000 | $ 170,000 |
| Fayette County Tennessee | 1 | $ 169,000 | $ 169,000 | $ 41,000 |
| Lauderdale County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| Maury County Tennessee | 1 | $ 117,000 | $ 117,000 | $ 25,000 |
| Robertson County Tennessee | 1 | $ 240,000 | $ 240,000 | $ 76,000 |
| Rutherford County Tennessee | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Sullivan County Tennessee | 1 | $ 37,000 | $ 37,000 | $ 21,000 |
| Arlington County Virginia | 1 | $ 232,000 | $ 232,000 | $ 54,000 |
| Botetourt County Virginia | 1 | $ 243,000 | $ 243,000 | $ 105,000 |
| Caroline County Virginia | 1 | $ 161,000 | $ 161,000 | $ 42,000 |
| Danville County Virginia | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Franklin County Virginia | 1 | $ 417,000 | $ 417,000 | $ 198,000 |
| Franklin City County Virginia | 1 | $ 144,000 | $ 144,000 | $ 26,000 |
| Frederick County Virginia | 1 | $ 118,000 | $ 118,000 | $ 31,000 |
| Isle of Wight County Virginia | 1 | $ 308,000 | $ 308,000 | $ 87,000 |
| Madison County Virginia | 1 | $ 198,000 | $ 198,000 | $ 54,000 |
| Nelson County Virginia | 1 | $ 171,000 | $ 171,000 | $ 88,000 |
| Nottoway County Virginia | 1 | $ 169,000 | $ 169,000 | $ 50,000 |
| Shenandoah County Virginia | 1 | $ 170,000 | $ 170,000 | $ 61,000 |
| Warren County Virginia | 1 | $ 222,000 | $ 222,000 | $ 56,000 |
| Washington County Virginia | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Winchester County Virginia | 1 | $ 249,000 | $ 249,000 | $ 75,000 |
| Tucker County 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.