Cardinal Financial Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Cardinal Financial Company 2008 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 | 4,762 |
| Total Mortgage Loan Application Amount | $951,379,000 |
| Average Mortgage Loan Application Amount | $199,000 |
| Highest Mortgage Loan Application Amount | $1,536,000 |
| Average Applicant Income | $72,500 |
| Highest Applicant Income | $976,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 485 | $ 70,433,000 | $ 145,000 | $ 64,000 |
| Prince George's County Maryland | 337 | $ 98,120,000 | $ 291,000 | $ 79,000 |
| Bucks County Pennsylvania | 299 | $ 61,727,000 | $ 206,000 | $ 80,000 |
| Montgomery County Pennsylvania | 225 | $ 43,331,000 | $ 192,000 | $ 91,000 |
| Baltimore County Maryland | 169 | $ 41,246,000 | $ 244,000 | $ 63,000 |
| Lehigh County Pennsylvania | 134 | $ 22,557,000 | $ 168,000 | $ 74,000 |
| Lancaster County Pennsylvania | 131 | $ 19,981,000 | $ 152,000 | $ 63,000 |
| Baltimore City County Maryland | 119 | $ 19,036,000 | $ 159,000 | $ 61,000 |
| New Castle County Delaware | 118 | $ 23,496,000 | $ 199,000 | $ 68,000 |
| Chester County Pennsylvania | 110 | $ 23,533,000 | $ 213,000 | $ 100,000 |
| Burlington County New Jersey | 105 | $ 19,285,000 | $ 183,000 | $ 94,000 |
| Camden County New Jersey | 102 | $ 18,353,000 | $ 179,000 | $ 79,000 |
| Anne Arundel County Maryland | 89 | $ 24,583,000 | $ 276,000 | $ 64,000 |
| Dauphin County Pennsylvania | 89 | $ 11,326,000 | $ 127,000 | $ 56,000 |
| Delaware County Pennsylvania | 80 | $ 13,003,000 | $ 162,000 | $ 73,000 |
| District of Columbia County District Of Columbia | 76 | $ 22,485,000 | $ 295,000 | $ 84,000 |
| York County Pennsylvania | 72 | $ 12,284,000 | $ 170,000 | $ 58,000 |
| Luzerne County Pennsylvania | 70 | $ 8,146,000 | $ 116,000 | $ 47,000 |
| Atlantic County New Jersey | 67 | $ 16,561,000 | $ 247,000 | $ 89,000 |
| Northampton County Pennsylvania | 59 | $ 9,691,000 | $ 164,000 | $ 66,000 |
| Montgomery County Maryland | 54 | $ 16,688,000 | $ 309,000 | $ 89,000 |
| Gloucester County New Jersey | 51 | $ 9,197,000 | $ 180,000 | $ 83,000 |
| Berks County Pennsylvania | 45 | $ 6,907,000 | $ 153,000 | $ 69,000 |
| Cumberland County Pennsylvania | 43 | $ 7,842,000 | $ 182,000 | $ 68,000 |
| Virginia Beach County Virginia | 41 | $ 8,888,000 | $ 216,000 | $ 65,000 |
| Cape May County New Jersey | 38 | $ 9,914,000 | $ 260,000 | $ 160,000 |
| Harford County Maryland | 36 | $ 9,311,000 | $ 258,000 | $ 63,000 |
| Hartford County Connecticut | 34 | $ 6,314,000 | $ 185,000 | $ 68,000 |
| Kanawha County West Virginia | 34 | $ 3,755,000 | $ 110,000 | $ 51,000 |
| Charles County Maryland | 32 | $ 9,684,000 | $ 302,000 | $ 77,000 |
| Howard County Maryland | 30 | $ 8,803,000 | $ 293,000 | $ 105,000 |
| Ocean County New Jersey | 29 | $ 5,710,000 | $ 196,000 | $ 95,000 |
| Lackawanna County Pennsylvania | 29 | $ 3,628,000 | $ 125,000 | $ 51,000 |
| Carroll County Maryland | 28 | $ 7,226,000 | $ 258,000 | $ 75,000 |
| Fairfax County Virginia | 27 | $ 8,885,000 | $ 329,000 | $ 103,000 |
| Prince William County Virginia | 27 | $ 7,319,000 | $ 271,000 | $ 79,000 |
| Colquitt County Georgia | 25 | $ 3,035,000 | $ 121,000 | $ 40,000 |
| Adams County Pennsylvania | 25 | $ 4,706,000 | $ 188,000 | $ 62,000 |
| Chesapeake County Virginia | 25 | $ 5,528,000 | $ 221,000 | $ 56,000 |
| Putnam County West Virginia | 24 | $ 3,507,000 | $ 146,000 | $ 57,000 |
| Sussex County Delaware | 22 | $ 5,236,000 | $ 238,000 | $ 101,000 |
| Calvert County Maryland | 22 | $ 6,741,000 | $ 306,000 | $ 72,000 |
| Shelby County Tennessee | 22 | $ 3,011,000 | $ 136,000 | $ 65,000 |
| Kent County Delaware | 21 | $ 4,565,000 | $ 217,000 | $ 72,000 |
| Washington County Maryland | 21 | $ 4,615,000 | $ 219,000 | $ 52,000 |
| Frederick County Maryland | 20 | $ 6,099,000 | $ 304,000 | $ 81,000 |
| Cumberland County New Jersey | 20 | $ 3,265,000 | $ 163,000 | $ 69,000 |
| Chesterfield County Virginia | 20 | $ 4,098,000 | $ 204,000 | $ 62,000 |
| Newport News County Virginia | 20 | $ 3,877,000 | $ 193,000 | $ 59,000 |
| Cecil County Maryland | 19 | $ 4,957,000 | $ 260,000 | $ 61,000 |
| Middlesex County New Jersey | 19 | $ 4,985,000 | $ 262,000 | $ 107,000 |
| Norfolk County Virginia | 19 | $ 3,263,000 | $ 171,000 | $ 59,000 |
| Allegheny County Pennsylvania | 17 | $ 2,039,000 | $ 119,000 | $ 61,000 |
| Schuylkill County Pennsylvania | 17 | $ 2,061,000 | $ 121,000 | $ 56,000 |
| Suffolk County Virginia | 17 | $ 4,223,000 | $ 248,000 | $ 68,000 |
| Cuyahoga County Ohio | 16 | $ 1,874,000 | $ 117,000 | $ 43,000 |
| St. Mary's County Maryland | 15 | $ 3,759,000 | $ 250,000 | $ 76,000 |
| Monroe County Pennsylvania | 15 | $ 2,761,000 | $ 184,000 | $ 77,000 |
| Portsmouth County Virginia | 15 | $ 2,313,000 | $ 154,000 | $ 47,000 |
| Tippecanoe County Indiana | 14 | $ 1,521,000 | $ 108,000 | $ 49,000 |
| Hampton County Virginia | 14 | $ 2,639,000 | $ 188,000 | $ 53,000 |
| Monmouth County New Jersey | 13 | $ 3,599,000 | $ 276,000 | $ 99,000 |
| Lebanon County Pennsylvania | 13 | $ 2,156,000 | $ 165,000 | $ 74,000 |
| Loudoun County Virginia | 13 | $ 4,207,000 | $ 323,000 | $ 105,000 |
| Broward County Florida | 12 | $ 2,411,000 | $ 200,000 | $ 69,000 |
| Wicomico County Maryland | 12 | $ 2,413,000 | $ 201,000 | $ 43,000 |
| Franklin County Pennsylvania | 12 | $ 1,962,000 | $ 163,000 | $ 49,000 |
| Perry County Pennsylvania | 12 | $ 1,852,000 | $ 154,000 | $ 48,000 |
| Henrico County Virginia | 11 | $ 2,169,000 | $ 197,000 | $ 54,000 |
| Berkeley County West Virginia | 11 | $ 2,262,000 | $ 205,000 | $ 83,000 |
| El Paso County Colorado | 10 | $ 2,458,000 | $ 245,000 | $ 70,000 |
| Wayne County Michigan | 10 | $ 1,583,000 | $ 158,000 | $ 55,000 |
| Bergen County New Jersey | 10 | $ 3,224,000 | $ 322,000 | $ 99,000 |
| Salem County New Jersey | 10 | $ 1,920,000 | $ 192,000 | $ 83,000 |
| Fairfield County Connecticut | 9 | $ 2,445,000 | $ 271,000 | $ 81,000 |
| Essex County New Jersey | 9 | $ 2,160,000 | $ 240,000 | $ 78,000 |
| Hudson County New Jersey | 9 | $ 2,409,000 | $ 267,000 | $ 71,000 |
| Carbon County Pennsylvania | 9 | $ 1,407,000 | $ 156,000 | $ 142,000 |
| Cabell County West Virginia | 9 | $ 860,000 | $ 95,000 | $ 45,000 |
| Palm Beach County Florida | 8 | $ 1,504,000 | $ 188,000 | $ 58,000 |
| Caroline County Maryland | 8 | $ 2,074,000 | $ 259,000 | $ 60,000 |
| Worcester County Maryland | 8 | $ 1,599,000 | $ 199,000 | $ 78,000 |
| Wake County North Carolina | 8 | $ 1,495,000 | $ 186,000 | $ 95,000 |
| Stafford County Virginia | 8 | $ 2,114,000 | $ 264,000 | $ 82,000 |
| Martin County Florida | 7 | $ 1,358,000 | $ 194,000 | $ 76,000 |
| Macomb County Michigan | 7 | $ 1,154,000 | $ 164,000 | $ 47,000 |
| Mercer County New Jersey | 7 | $ 1,817,000 | $ 259,000 | $ 116,000 |
| Somerset County New Jersey | 7 | $ 1,963,000 | $ 280,000 | $ 124,000 |
| Union County New Jersey | 7 | $ 2,077,000 | $ 296,000 | $ 87,000 |
| Franklin County Ohio | 7 | $ 873,000 | $ 124,000 | $ 62,000 |
| Spotsylvania County Virginia | 7 | $ 1,696,000 | $ 242,000 | $ 89,000 |
| New Haven County Connecticut | 6 | $ 1,111,000 | $ 185,000 | $ 67,000 |
| Duval County Florida | 6 | $ 942,000 | $ 157,000 | $ 48,000 |
| Miami-Dade County Florida | 6 | $ 1,521,000 | $ 253,000 | $ 66,000 |
| St. Lucie County Florida | 6 | $ 967,000 | $ 161,000 | $ 52,000 |
| Marion County Indiana | 6 | $ 793,000 | $ 132,000 | $ 60,000 |
| Rush County Indiana | 6 | $ 565,000 | $ 94,000 | $ 43,000 |
| Arlington County Virginia | 6 | $ 2,449,000 | $ 408,000 | $ 167,000 |
| Tolland County Connecticut | 5 | $ 1,054,000 | $ 210,000 | $ 79,000 |
| Orange County Florida | 5 | $ 1,035,000 | $ 207,000 | $ 90,000 |
| Lowndes County Georgia | 5 | $ 705,000 | $ 141,000 | $ 53,000 |
| Passaic County New Jersey | 5 | $ 1,490,000 | $ 298,000 | $ 84,000 |
| Somerset County Pennsylvania | 5 | $ 568,000 | $ 113,000 | $ 57,000 |
| Davidson County Tennessee | 5 | $ 955,000 | $ 191,000 | $ 65,000 |
| Wise County Virginia | 5 | $ 453,000 | $ 90,000 | $ 41,000 |
| Jefferson County West Virginia | 5 | $ 1,670,000 | $ 334,000 | $ 80,000 |
| Denver County Colorado | 4 | $ 585,000 | $ 146,000 | $ 98,000 |
| Cobb County Georgia | 4 | $ 722,000 | $ 180,000 | $ 56,000 |
| Bartholomew County Indiana | 4 | $ 464,000 | $ 116,000 | $ 50,000 |
| Hancock County Indiana | 4 | $ 644,000 | $ 161,000 | $ 60,000 |
| Johnson County Indiana | 4 | $ 637,000 | $ 159,000 | $ 67,000 |
| Morgan County Indiana | 4 | $ 607,000 | $ 151,000 | $ 57,000 |
| Garrett County Maryland | 4 | $ 734,000 | $ 183,000 | $ 58,000 |
| Oakland County Michigan | 4 | $ 519,000 | $ 129,000 | $ 64,000 |
| Sherburne County Minnesota | 4 | $ 667,000 | $ 166,000 | $ 99,000 |
| Morris County New Jersey | 4 | $ 1,170,000 | $ 292,000 | $ 122,000 |
| Lawrence County Ohio | 4 | $ 498,000 | $ 124,000 | $ 37,000 |
| Lorain County Ohio | 4 | $ 964,000 | $ 241,000 | $ 75,000 |
| Portage County Ohio | 4 | $ 612,000 | $ 153,000 | $ 64,000 |
| Mercer County Pennsylvania | 4 | $ 348,000 | $ 87,000 | $ 46,000 |
| Wayne County Pennsylvania | 4 | $ 556,000 | $ 139,000 | $ 101,000 |
| Westmoreland County Pennsylvania | 4 | $ 561,000 | $ 140,000 | $ 34,000 |
| Hamilton County Tennessee | 4 | $ 657,000 | $ 164,000 | $ 68,000 |
| Culpeper County Virginia | 4 | $ 1,300,000 | $ 325,000 | $ 101,000 |
| Richmond City County Virginia | 4 | $ 552,000 | $ 138,000 | $ 48,000 |
| Shenandoah County Virginia | 4 | $ 678,000 | $ 169,000 | $ 51,000 |
| York County Virginia | 4 | $ 906,000 | $ 226,000 | $ 46,000 |
| Raleigh County West Virginia | 4 | $ 414,000 | $ 103,000 | $ 49,000 |
| Brevard County Florida | 3 | $ 541,000 | $ 180,000 | $ 111,000 |
| Flagler County Florida | 3 | $ 629,000 | $ 209,000 | $ 64,000 |
| Hillsborough County Florida | 3 | $ 495,000 | $ 165,000 | $ 24,000 |
| Pasco County Florida | 3 | $ 433,000 | $ 144,000 | $ 66,000 |
| Hendricks County Indiana | 3 | $ 454,000 | $ 151,000 | $ 72,000 |
| Shelby County Indiana | 3 | $ 552,000 | $ 184,000 | $ 103,000 |
| Dorchester County Maryland | 3 | $ 784,000 | $ 261,000 | $ 29,000 |
| Washtenaw County Michigan | 3 | $ 501,000 | $ 167,000 | $ 63,000 |
| Mille Lacs County Minnesota | 3 | $ 685,000 | $ 228,000 | $ 26,000 |
| Sussex County New Jersey | 3 | $ 971,000 | $ 323,000 | $ 109,000 |
| Forsyth County North Carolina | 3 | $ 288,000 | $ 96,000 | $ 42,000 |
| Mecklenburg County North Carolina | 3 | $ 311,000 | $ 103,000 | $ 39,000 |
| Summit County Ohio | 3 | $ 439,000 | $ 146,000 | $ 45,000 |
| Bedford County Pennsylvania | 3 | $ 563,000 | $ 187,000 | $ 65,000 |
| Fulton County Pennsylvania | 3 | $ 467,000 | $ 155,000 | $ 56,000 |
| Pike County Pennsylvania | 3 | $ 706,000 | $ 235,000 | $ 145,000 |
| Richland County South Carolina | 3 | $ 369,000 | $ 123,000 | $ 46,000 |
| Knox County Tennessee | 3 | $ 496,000 | $ 165,000 | $ 60,000 |
| Rutherford County Tennessee | 3 | $ 586,000 | $ 195,000 | $ 65,000 |
| Alexandria County Virginia | 3 | $ 1,100,000 | $ 366,000 | $ 137,000 |
| Caroline County Virginia | 3 | $ 709,000 | $ 236,000 | $ 114,000 |
| Frederick County Virginia | 3 | $ 669,000 | $ 223,000 | $ 66,000 |
| Isle of Wight County Virginia | 3 | $ 753,000 | $ 251,000 | $ 60,000 |
| King George County Virginia | 3 | $ 848,000 | $ 282,000 | $ 91,000 |
| Madison County Virginia | 3 | $ 499,000 | $ 166,000 | $ 56,000 |
| Roanoke City County Virginia | 3 | $ 393,000 | $ 131,000 | $ 47,000 |
| Middlesex County Connecticut | 2 | $ 555,000 | $ 277,000 | $ 69,000 |
| New London County Connecticut | 2 | $ 451,000 | $ 225,000 | $ 69,000 |
| Lee County Florida | 2 | $ 522,000 | $ 261,000 | $ 229,000 |
| Leon County Florida | 2 | $ 236,000 | $ 118,000 | $ 53,000 |
| Manatee County Florida | 2 | $ 616,000 | $ 308,000 | $ 53,000 |
| Pinellas County Florida | 2 | $ 336,000 | $ 168,000 | $ 29,000 |
| Fulton County Georgia | 2 | $ 248,000 | $ 124,000 | $ 43,000 |
| Gwinnett County Georgia | 2 | $ 322,000 | $ 161,000 | $ 66,000 |
| Allegany County Maryland | 2 | $ 226,000 | $ 113,000 | $ 46,000 |
| Kent County Maryland | 2 | $ 373,000 | $ 186,000 | $ 62,000 |
| Queen Anne's County Maryland | 2 | $ 648,000 | $ 324,000 | $ 87,000 |
| Somerset County Maryland | 2 | $ 298,000 | $ 149,000 | $ 54,000 |
| Talbot County Maryland | 2 | $ 1,654,000 | $ 827,000 | $ 289,000 |
| Genesee County Michigan | 2 | $ 305,000 | $ 152,000 | $ 0 |
| St. Clair County Michigan | 2 | $ 246,000 | $ 123,000 | $ 17,000 |
| Anoka County Minnesota | 2 | $ 246,000 | $ 123,000 | $ 84,000 |
| Gaston County North Carolina | 2 | $ 283,000 | $ 141,000 | $ 44,000 |
| Hoke County North Carolina | 2 | $ 275,000 | $ 137,000 | $ 46,000 |
| Johnston County North Carolina | 2 | $ 242,000 | $ 121,000 | $ 32,000 |
| Randolph County North Carolina | 2 | $ 175,000 | $ 87,000 | $ 38,000 |
| Richmond County North Carolina | 2 | $ 137,000 | $ 68,000 | $ 36,000 |
| Clermont County Ohio | 2 | $ 240,000 | $ 120,000 | $ 48,000 |
| Hamilton County Ohio | 2 | $ 284,000 | $ 142,000 | $ 70,000 |
| Medina County Ohio | 2 | $ 412,000 | $ 206,000 | $ 114,000 |
| Bradford County Pennsylvania | 2 | $ 417,000 | $ 208,000 | $ 93,000 |
| Butler County Pennsylvania | 2 | $ 412,000 | $ 206,000 | $ 48,000 |
| Cambria County Pennsylvania | 2 | $ 261,000 | $ 130,000 | $ 60,000 |
| Centre County Pennsylvania | 2 | $ 268,000 | $ 134,000 | $ 103,000 |
| Northumberland County Pennsylvania | 2 | $ 230,000 | $ 115,000 | $ 65,000 |
| Berkeley County South Carolina | 2 | $ 306,000 | $ 153,000 | $ 24,000 |
| Lexington County South Carolina | 2 | $ 364,000 | $ 182,000 | $ 25,000 |
| Carter County Tennessee | 2 | $ 273,000 | $ 136,000 | $ 33,000 |
| Putnam County Tennessee | 2 | $ 341,000 | $ 170,000 | $ 61,000 |
| Williamson County Tennessee | 2 | $ 354,000 | $ 177,000 | $ 84,000 |
| Franklin County Virginia | 2 | $ 412,000 | $ 206,000 | $ 37,000 |
| Hanover County Virginia | 2 | $ 478,000 | $ 239,000 | $ 78,000 |
| Harrisonburg County Virginia | 2 | $ 393,000 | $ 196,000 | $ 41,000 |
| King William County Virginia | 2 | $ 369,000 | $ 184,000 | $ 69,000 |
| Manassas County Virginia | 2 | $ 466,000 | $ 233,000 | $ 64,000 |
| Fayette County West Virginia | 2 | $ 176,000 | $ 88,000 | $ 46,000 |
| Arapahoe County Colorado | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Clear Creek County Colorado | 1 | $ 385,000 | $ 385,000 | $ 196,000 |
| Delta County Colorado | 1 | $ 219,000 | $ 219,000 | $ 38,000 |
| Douglas County Colorado | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Fremont County Colorado | 1 | $ 121,000 | $ 121,000 | $ 51,000 |
| Montrose County Colorado | 1 | $ 111,000 | $ 111,000 | $ 73,000 |
| Morgan County Colorado | 1 | $ 257,000 | $ 257,000 | $ 124,000 |
| Litchfield County Connecticut | 1 | $ 154,000 | $ 154,000 | $ 58,000 |
| Windham County Connecticut | 1 | $ 400,000 | $ 400,000 | $ 114,000 |
| Baker County Florida | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Bay County Florida | 1 | $ 171,000 | $ 171,000 | $ 61,000 |
| Clay County Florida | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| DeSoto County Florida | 1 | $ 114,000 | $ 114,000 | $ 38,000 |
| Hernando County Florida | 1 | $ 350,000 | $ 350,000 | $ 75,000 |
| Indian River County Florida | 1 | $ 126,000 | $ 126,000 | $ 36,000 |
| Madison County Florida | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Osceola County Florida | 1 | $ 273,000 | $ 273,000 | $ 89,000 |
| St. Johns County Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Wakulla County Florida | 1 | $ 193,000 | $ 193,000 | $ 93,000 |
| Baldwin County Georgia | 1 | $ 154,000 | $ 154,000 | $ 31,000 |
| Bartow County Georgia | 1 | $ 121,000 | $ 121,000 | $ 41,000 |
| Brooks County Georgia | 1 | $ 65,000 | $ 65,000 | $ 17,000 |
| Butts County Georgia | 1 | $ 81,000 | $ 81,000 | $ 50,000 |
| Clayton County Georgia | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Columbia County Georgia | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Cook County Georgia | 1 | $ 149,000 | $ 149,000 | $ 66,000 |
| Dougherty County Georgia | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Douglas County Georgia | 1 | $ 162,000 | $ 162,000 | $ 57,000 |
| Haralson County Georgia | 1 | $ 107,000 | $ 107,000 | $ 42,000 |
| Henry County Georgia | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Newton County Georgia | 1 | $ 136,000 | $ 136,000 | $ 30,000 |
| Paulding County Georgia | 1 | $ 157,000 | $ 157,000 | $ 41,000 |
| Troup County Georgia | 1 | $ 137,000 | $ 137,000 | $ 39,000 |
| Worth County Georgia | 1 | $ 138,000 | $ 138,000 | $ 71,000 |
| Benton County Indiana | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Boone County Indiana | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Brown County Indiana | 1 | $ 214,000 | $ 214,000 | $ 69,000 |
| Clay County Indiana | 1 | $ 39,000 | $ 39,000 | $ 38,000 |
| Clinton County Indiana | 1 | $ 159,000 | $ 159,000 | $ 74,000 |
| Decatur County Indiana | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Elkhart County Indiana | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
| Franklin County Indiana | 1 | $ 156,000 | $ 156,000 | $ 52,000 |
| Hamilton County Indiana | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Henry County Indiana | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Madison County Indiana | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Miami County Indiana | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Putnam County Indiana | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| St. Joseph County Indiana | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Starke County Indiana | 1 | $ 69,000 | $ 69,000 | $ 26,000 |
| Tipton County Indiana | 1 | $ 193,000 | $ 193,000 | $ 112,000 |
| White County Indiana | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Garrard County Kentucky | 1 | $ 201,000 | $ 201,000 | $ 78,000 |
| Middlesex County Massachusetts | 1 | $ 330,000 | $ 330,000 | $ 52,000 |
| Jackson County Michigan | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Kalamazoo County Michigan | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Lapeer County Michigan | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Roscommon County Michigan | 1 | $ 178,000 | $ 178,000 | $ 60,000 |
| Benton County Minnesota | 1 | $ 123,000 | $ 123,000 | $ 74,000 |
| Carver County Minnesota | 1 | $ 223,000 | $ 223,000 | $ 60,000 |
| Dakota County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 107,000 |
| Douglas County Minnesota | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 189,000 | $ 189,000 | $ 101,000 |
| Lac qui Parle County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 22,000 |
| Pine County Minnesota | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Swift County Minnesota | 1 | $ 147,000 | $ 147,000 | $ 47,000 |
| Hunterdon County New Jersey | 1 | $ 129,000 | $ 129,000 | $ 68,000 |
| Warren County New Jersey | 1 | $ 410,000 | $ 410,000 | $ 369,000 |
| Brunswick County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Buncombe County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Davidson County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Durham County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| Franklin County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Greene County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 24,000 |
| Guilford County North Carolina | 1 | $ 164,000 | $ 164,000 | $ 172,000 |
| Jackson County North Carolina | 1 | $ 249,000 | $ 249,000 | $ 57,000 |
| Lincoln County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 0 |
| McDowell County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 72,000 |
| Pasquotank County North Carolina | 1 | $ 227,000 | $ 227,000 | $ 106,000 |
| Pitt County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Stanly County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 28,000 |
| Union County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 79,000 |
| Wayne County North Carolina | 1 | $ 151,000 | $ 151,000 | $ 85,000 |
| Allen County Ohio | 1 | $ 174,000 | $ 174,000 | $ 60,000 |
| Butler County Ohio | 1 | $ 50,000 | $ 50,000 | $ 45,000 |
| Clinton County Ohio | 1 | $ 144,000 | $ 144,000 | $ 60,000 |
| Delaware County Ohio | 1 | $ 237,000 | $ 237,000 | $ 73,000 |
| Erie County Ohio | 1 | $ 253,000 | $ 253,000 | $ 78,000 |
| Fairfield County Ohio | 1 | $ 204,000 | $ 204,000 | $ 64,000 |
| Gallia County Ohio | 1 | $ 96,000 | $ 96,000 | $ 30,000 |
| Geauga County Ohio | 1 | $ 180,000 | $ 180,000 | $ 66,000 |
| Hardin County Ohio | 1 | $ 74,000 | $ 74,000 | $ 82,000 |
| Hocking County Ohio | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lake County Ohio | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Miami County Ohio | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| Pickaway County Ohio | 1 | $ 171,000 | $ 171,000 | $ 70,000 |
| Shelby County Ohio | 1 | $ 200,000 | $ 200,000 | $ 49,000 |
| Williams County Ohio | 1 | $ 121,000 | $ 121,000 | $ 35,000 |
| Armstrong County Pennsylvania | 1 | $ 222,000 | $ 222,000 | $ 71,000 |
| Blair County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Columbia County Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 39,000 |
| Erie County Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 36,000 |
| Lawrence County Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 39,000 |
| Lycoming County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
| McKean County Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 27,000 |
| Snyder County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 61,000 |
| Charleston County South Carolina | 1 | $ 127,000 | $ 127,000 | $ 39,000 |
| Dorchester County South Carolina | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Horry County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 234,000 |
| Lancaster County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Oconee County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Bedford County Tennessee | 1 | $ 127,000 | $ 127,000 | $ 52,000 |
| Bradley County Tennessee | 1 | $ 188,000 | $ 188,000 | $ 51,000 |
| Dyer County Tennessee | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Fayette County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 56,000 |
| Hamblen County Tennessee | 1 | $ 152,000 | $ 152,000 | $ 26,000 |
| Lawrence County Tennessee | 1 | $ 223,000 | $ 223,000 | $ 67,000 |
| Madison County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 26,000 |
| Maury County Tennessee | 1 | $ 127,000 | $ 127,000 | $ 95,000 |
| Montgomery County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 33,000 |
| Robertson County Tennessee | 1 | $ 149,000 | $ 149,000 | $ 69,000 |
| Sevier County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 29,000 |
| Sumner County Tennessee | 1 | $ 202,000 | $ 202,000 | $ 45,000 |
| Tipton County Tennessee | 1 | $ 119,000 | $ 119,000 | $ 60,000 |
| Wilson County Tennessee | 1 | $ 169,000 | $ 169,000 | $ 53,000 |
| Amelia County Virginia | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Augusta County Virginia | 1 | $ 170,000 | $ 170,000 | $ 52,000 |
| Bedford County Virginia | 1 | $ 156,000 | $ 156,000 | $ 35,000 |
| Campbell County Virginia | 1 | $ 194,000 | $ 194,000 | $ 69,000 |
| Dickenson County Virginia | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Dinwiddie County Virginia | 1 | $ 186,000 | $ 186,000 | $ 98,000 |
| Fairfax City County Virginia | 1 | $ 456,000 | $ 456,000 | $ 126,000 |
| Gloucester County Virginia | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Greene County Virginia | 1 | $ 384,000 | $ 384,000 | $ 107,000 |
| Halifax County Virginia | 1 | $ 96,000 | $ 96,000 | $ 58,000 |
| Hopewell County Virginia | 1 | $ 89,000 | $ 89,000 | $ 27,000 |
| James City County Virginia | 1 | $ 315,000 | $ 315,000 | $ 101,000 |
| Louisa County Virginia | 1 | $ 195,000 | $ 195,000 | $ 35,000 |
| Manassas Park County Virginia | 1 | $ 182,000 | $ 182,000 | $ 53,000 |
| Middlesex County Virginia | 1 | $ 253,000 | $ 253,000 | $ 94,000 |
| Nottoway County Virginia | 1 | $ 128,000 | $ 128,000 | $ 34,000 |
| Orange County Virginia | 1 | $ 191,000 | $ 191,000 | $ 39,000 |
| Rappahannock County Virginia | 1 | $ 288,000 | $ 288,000 | $ 49,000 |
| Rockingham County Virginia | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Salem County Virginia | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Warren County Virginia | 1 | $ 247,000 | $ 247,000 | $ 71,000 |
| Hampshire County West Virginia | 1 | $ 153,000 | $ 153,000 | $ 79,000 |
| Hardy County West Virginia | 1 | $ 173,000 | $ 173,000 | $ 95,000 |
| Harrison County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Lincoln County West Virginia | 1 | $ 89,000 | $ 89,000 | $ 102,000 |
| Morgan County West Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Preston County West Virginia | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company in 2008
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 | 2,486 | $514,671,000 | $207,000 | $920,000 | $72,000 | $976,000 |
| Home Purchase | 2,276 | $436,708,000 | $191,000 | $1,536,000 | $73,000 | $704,000 |
| 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 | 2,987 | $576,354,000 | $192,000 | $1,536,000 | $76,000 | $976,000 |
| Black or African American | 1,154 | $248,378,000 | $215,000 | $750,000 | $65,000 | $335,000 |
| Not Provided | 314 | $65,368,000 | $208,000 | $741,000 | $78,000 | $641,000 |
| Hispanic | 219 | $41,046,000 | $187,000 | $475,000 | $58,000 | $300,000 |
| Asian | 71 | $17,002,000 | $239,000 | $729,000 | $94,000 | $704,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,288,000 | $190,000 | $301,000 | $98,000 | $384,000 |
| American Indian or Alaskan Native | 5 | $943,000 | $188,000 | $249,000 | $49,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,537 | $521,853,000 | $205,000 | $741,000 | $61,000 | $584,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,004 | $378,298,000 | $188,000 | $1,536,000 | $88,000 | $976,000 |
| VA-guaranteed (Veterans Administration) | 221 | $51,228,000 | $231,000 | $453,000 | $60,000 | $203,000 |
| 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 | 2,873 | $551,225,000 | $191,000 | $1,536,000 | $72,000 | $976,000 |
| Application Denied By Financial Institution | 1,019 | $224,949,000 | $220,000 | $920,000 | $71,000 | $641,000 |
| Application Withdrawn By Applicant | 562 | $112,653,000 | $200,000 | $740,000 | $75,000 | $480,000 |
| Application Approved But Not Accepted | 308 | $62,552,000 | $203,000 | $741,000 | $78,000 | $581,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 140 | $34,280,000 | $244,000 | $840,000 | $69,000 | $584,000 |
| Other | 132 | $25,931,000 | $196,000 | $544,000 | $65,000 | $641,000 |
| Collateral | 100 | $22,841,000 | $228,000 | $850,000 | $79,000 | $303,000 |
| Credit History | 99 | $20,511,000 | $207,000 | $451,000 | $65,000 | $195,000 |
| Unverifiable Information | 19 | $5,513,000 | $290,000 | $694,000 | $93,000 | $253,000 |
| Employment History | 11 | $1,874,000 | $170,000 | $337,000 | $60,000 | $111,000 |
| Mortgage Insurance Denied | 4 | $1,248,000 | $312,000 | $475,000 | $30,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $349,000 | $116,000 | $194,000 | $53,000 | $82,000 |
| Credit Application Incomplete | 1 | $166,000 | $166,000 | $166,000 | $78,000 | $78,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company's 2008 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.