Cardinal Financial Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Cardinal Financial Company 2009 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 | 7,729 |
| Total Mortgage Loan Application Amount | $1,719,752,000 |
| Average Mortgage Loan Application Amount | $217,000 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $1,252,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 705 | $ 109,634,000 | $ 155,000 | $ 58,000 |
| Prince George's County Maryland | 429 | $ 119,636,000 | $ 278,000 | $ 42,000 |
| Montgomery County Pennsylvania | 412 | $ 89,543,000 | $ 217,000 | $ 86,000 |
| Bucks County Pennsylvania | 404 | $ 92,820,000 | $ 229,000 | $ 83,000 |
| Baltimore County Maryland | 277 | $ 67,579,000 | $ 243,000 | $ 48,000 |
| Lancaster County Pennsylvania | 232 | $ 38,534,000 | $ 166,000 | $ 64,000 |
| Chester County Pennsylvania | 219 | $ 53,781,000 | $ 245,000 | $ 91,000 |
| Anne Arundel County Maryland | 216 | $ 64,745,000 | $ 299,000 | $ 57,000 |
| Lehigh County Pennsylvania | 194 | $ 34,891,000 | $ 179,000 | $ 68,000 |
| Baltimore City County Maryland | 188 | $ 31,411,000 | $ 167,000 | $ 35,000 |
| Montgomery County Maryland | 183 | $ 63,223,000 | $ 345,000 | $ 66,000 |
| New Castle County Delaware | 170 | $ 38,007,000 | $ 223,000 | $ 52,000 |
| York County Pennsylvania | 146 | $ 25,877,000 | $ 177,000 | $ 52,000 |
| Burlington County New Jersey | 135 | $ 28,030,000 | $ 207,000 | $ 79,000 |
| Delaware County Pennsylvania | 133 | $ 24,345,000 | $ 183,000 | $ 75,000 |
| Luzerne County Pennsylvania | 131 | $ 17,396,000 | $ 132,000 | $ 45,000 |
| Camden County New Jersey | 119 | $ 23,302,000 | $ 195,000 | $ 72,000 |
| Ocean County New Jersey | 110 | $ 27,307,000 | $ 248,000 | $ 68,000 |
| Harford County Maryland | 104 | $ 25,864,000 | $ 248,000 | $ 51,000 |
| District of Columbia County District Of Columbia | 101 | $ 33,151,000 | $ 328,000 | $ 67,000 |
| Charles County Maryland | 91 | $ 27,076,000 | $ 297,000 | $ 40,000 |
| Virginia Beach County Virginia | 91 | $ 21,203,000 | $ 233,000 | $ 44,000 |
| Northampton County Pennsylvania | 88 | $ 16,355,000 | $ 185,000 | $ 57,000 |
| Berks County Pennsylvania | 81 | $ 12,655,000 | $ 156,000 | $ 58,000 |
| Cumberland County Pennsylvania | 80 | $ 14,725,000 | $ 184,000 | $ 61,000 |
| Dauphin County Pennsylvania | 79 | $ 12,385,000 | $ 156,000 | $ 58,000 |
| Howard County Maryland | 76 | $ 25,382,000 | $ 333,000 | $ 66,000 |
| Monmouth County New Jersey | 67 | $ 18,790,000 | $ 280,000 | $ 64,000 |
| Fairfax County Virginia | 66 | $ 24,696,000 | $ 374,000 | $ 61,000 |
| Prince William County Virginia | 62 | $ 18,901,000 | $ 304,000 | $ 37,000 |
| Middlesex County New Jersey | 55 | $ 15,960,000 | $ 290,000 | $ 62,000 |
| Chesapeake County Virginia | 53 | $ 12,624,000 | $ 238,000 | $ 48,000 |
| Carroll County Maryland | 51 | $ 14,188,000 | $ 278,000 | $ 55,000 |
| Atlantic County New Jersey | 51 | $ 12,490,000 | $ 244,000 | $ 84,000 |
| Essex County New Jersey | 51 | $ 16,885,000 | $ 331,000 | $ 57,000 |
| Gloucester County New Jersey | 50 | $ 9,932,000 | $ 198,000 | $ 90,000 |
| Union County New Jersey | 47 | $ 14,379,000 | $ 305,000 | $ 61,000 |
| Frederick County Maryland | 44 | $ 13,920,000 | $ 316,000 | $ 53,000 |
| Calvert County Maryland | 43 | $ 13,866,000 | $ 322,000 | $ 58,000 |
| Sussex County Delaware | 40 | $ 8,599,000 | $ 214,000 | $ 52,000 |
| Monroe County Pennsylvania | 40 | $ 7,541,000 | $ 188,000 | $ 61,000 |
| Cape May County New Jersey | 37 | $ 10,105,000 | $ 273,000 | $ 139,000 |
| Mecklenburg County North Carolina | 37 | $ 6,710,000 | $ 181,000 | $ 5,000 |
| Norfolk County Virginia | 37 | $ 6,731,000 | $ 181,000 | $ 38,000 |
| Broward County Florida | 32 | $ 6,235,000 | $ 194,000 | $ 36,000 |
| Wicomico County Maryland | 29 | $ 5,226,000 | $ 180,000 | $ 36,000 |
| Newport News County Virginia | 29 | $ 5,484,000 | $ 189,000 | $ 28,000 |
| Kent County Delaware | 28 | $ 6,406,000 | $ 228,000 | $ 43,000 |
| Washington County Maryland | 28 | $ 5,778,000 | $ 206,000 | $ 38,000 |
| Allegheny County Pennsylvania | 28 | $ 3,989,000 | $ 142,000 | $ 67,000 |
| Lackawanna County Pennsylvania | 28 | $ 4,016,000 | $ 143,000 | $ 43,000 |
| Adams County Pennsylvania | 27 | $ 4,953,000 | $ 183,000 | $ 41,000 |
| Loudoun County Virginia | 26 | $ 9,264,000 | $ 356,000 | $ 65,000 |
| Portsmouth County Virginia | 26 | $ 4,506,000 | $ 173,000 | $ 43,000 |
| St. Mary's County Maryland | 25 | $ 6,173,000 | $ 246,000 | $ 38,000 |
| Mercer County New Jersey | 23 | $ 5,218,000 | $ 226,000 | $ 90,000 |
| Wake County North Carolina | 22 | $ 4,201,000 | $ 190,000 | $ 8,000 |
| Queen Anne's County Maryland | 21 | $ 6,906,000 | $ 328,000 | $ 39,000 |
| Chesterfield County Virginia | 21 | $ 5,397,000 | $ 257,000 | $ 20,000 |
| Duval County Florida | 20 | $ 4,302,000 | $ 215,000 | $ 0 |
| Palm Beach County Florida | 19 | $ 4,463,000 | $ 234,000 | $ 58,000 |
| Carbon County Pennsylvania | 19 | $ 3,417,000 | $ 179,000 | $ 132,000 |
| Schuylkill County Pennsylvania | 19 | $ 2,514,000 | $ 132,000 | $ 58,000 |
| Cecil County Maryland | 18 | $ 4,321,000 | $ 240,000 | $ 57,000 |
| Worcester County Maryland | 18 | $ 4,155,000 | $ 230,000 | $ 76,000 |
| Hartford County Connecticut | 17 | $ 3,529,000 | $ 207,000 | $ 60,000 |
| St. Lucie County Florida | 17 | $ 2,389,000 | $ 140,000 | $ 31,000 |
| Hampton County Virginia | 17 | $ 3,083,000 | $ 181,000 | $ 39,000 |
| Gwinnett County Georgia | 16 | $ 2,808,000 | $ 175,000 | $ 31,000 |
| Hudson County New Jersey | 16 | $ 5,340,000 | $ 333,000 | $ 55,000 |
| Suffolk County Virginia | 16 | $ 3,323,000 | $ 207,000 | $ 42,000 |
| El Paso County Colorado | 15 | $ 3,226,000 | $ 215,000 | $ 6,000 |
| Bergen County New Jersey | 15 | $ 4,864,000 | $ 324,000 | $ 104,000 |
| Bristol County Massachusetts | 14 | $ 3,977,000 | $ 284,000 | $ 100,000 |
| Somerset County New Jersey | 14 | $ 4,370,000 | $ 312,000 | $ 73,000 |
| Lebanon County Pennsylvania | 14 | $ 2,285,000 | $ 163,000 | $ 66,000 |
| Henrico County Virginia | 14 | $ 3,080,000 | $ 220,000 | $ 37,000 |
| Hillsborough County Florida | 13 | $ 2,705,000 | $ 208,000 | $ 0 |
| Dougherty County Georgia | 13 | $ 1,314,000 | $ 101,000 | $ 36,000 |
| Dorchester County Maryland | 13 | $ 2,365,000 | $ 181,000 | $ 35,000 |
| Morris County New Jersey | 13 | $ 3,768,000 | $ 289,000 | $ 63,000 |
| Passaic County New Jersey | 13 | $ 3,712,000 | $ 285,000 | $ 46,000 |
| Franklin County Pennsylvania | 13 | $ 2,340,000 | $ 180,000 | $ 68,000 |
| Stafford County Virginia | 13 | $ 3,908,000 | $ 300,000 | $ 65,000 |
| Flagler County Florida | 12 | $ 1,880,000 | $ 156,000 | $ 77,000 |
| Norfolk County Massachusetts | 12 | $ 3,111,000 | $ 259,000 | $ 40,000 |
| Sussex County New Jersey | 12 | $ 3,583,000 | $ 298,000 | $ 46,000 |
| Martin County Florida | 11 | $ 1,339,000 | $ 121,000 | $ 24,000 |
| Plymouth County Massachusetts | 11 | $ 2,863,000 | $ 260,000 | $ 52,000 |
| Cumberland County New Jersey | 11 | $ 2,244,000 | $ 204,000 | $ 51,000 |
| Westmoreland County Pennsylvania | 11 | $ 1,473,000 | $ 133,000 | $ 36,000 |
| Perry County Pennsylvania | 10 | $ 1,633,000 | $ 163,000 | $ 33,000 |
| Fairfield County Connecticut | 9 | $ 2,396,000 | $ 266,000 | $ 55,000 |
| New Haven County Connecticut | 9 | $ 1,914,000 | $ 212,000 | $ 30,000 |
| Miami-Dade County Florida | 9 | $ 1,570,000 | $ 174,000 | $ 29,000 |
| Orange County Florida | 9 | $ 1,941,000 | $ 215,000 | $ 6,000 |
| Santa Rosa County Florida | 9 | $ 2,031,000 | $ 225,000 | $ 0 |
| Lee County Georgia | 9 | $ 1,511,000 | $ 167,000 | $ 47,000 |
| Davidson County Tennessee | 9 | $ 1,346,000 | $ 149,000 | $ 85,000 |
| Arapahoe County Colorado | 8 | $ 1,859,000 | $ 232,000 | $ 4,000 |
| Lee County Florida | 8 | $ 1,487,000 | $ 185,000 | $ 40,000 |
| Fulton County Georgia | 8 | $ 1,638,000 | $ 204,000 | $ 22,000 |
| Caroline County Maryland | 8 | $ 1,638,000 | $ 204,000 | $ 56,000 |
| Middlesex County Massachusetts | 8 | $ 2,556,000 | $ 319,000 | $ 82,000 |
| Shelby County Tennessee | 8 | $ 1,149,000 | $ 143,000 | $ 13,000 |
| Alexandria County Virginia | 8 | $ 2,833,000 | $ 354,000 | $ 96,000 |
| Spotsylvania County Virginia | 8 | $ 1,964,000 | $ 245,000 | $ 27,000 |
| DeKalb County Georgia | 7 | $ 747,000 | $ 106,000 | $ 36,000 |
| Henry County Georgia | 7 | $ 1,236,000 | $ 176,000 | $ 7,000 |
| Marion County Indiana | 7 | $ 989,000 | $ 141,000 | $ 77,000 |
| James City County Virginia | 7 | $ 1,333,000 | $ 190,000 | $ 34,000 |
| Sarasota County Florida | 6 | $ 1,279,000 | $ 213,000 | $ 17,000 |
| Seminole County Florida | 6 | $ 1,578,000 | $ 263,000 | $ 0 |
| Paulding County Georgia | 6 | $ 1,222,000 | $ 203,000 | $ 4,000 |
| Tippecanoe County Indiana | 6 | $ 613,000 | $ 102,000 | $ 22,000 |
| Worcester County Massachusetts | 6 | $ 1,636,000 | $ 272,000 | $ 41,000 |
| Hunterdon County New Jersey | 6 | $ 1,770,000 | $ 295,000 | $ 105,000 |
| Salem County New Jersey | 6 | $ 949,000 | $ 158,000 | $ 31,000 |
| Cuyahoga County Ohio | 6 | $ 714,000 | $ 119,000 | $ 25,000 |
| Dorchester County South Carolina | 6 | $ 1,170,000 | $ 195,000 | $ 6,000 |
| Arlington County Virginia | 6 | $ 2,988,000 | $ 498,000 | $ 103,000 |
| Isle of Wight County Virginia | 6 | $ 1,909,000 | $ 318,000 | $ 43,000 |
| Putnam County West Virginia | 6 | $ 1,197,000 | $ 199,000 | $ 45,000 |
| Brevard County Florida | 5 | $ 959,000 | $ 191,000 | $ 0 |
| Clay County Florida | 5 | $ 885,000 | $ 177,000 | $ 17,000 |
| Okaloosa County Florida | 5 | $ 1,127,000 | $ 225,000 | $ 0 |
| Allegany County Maryland | 5 | $ 794,000 | $ 158,000 | $ 23,000 |
| Hampden County Massachusetts | 5 | $ 963,000 | $ 192,000 | $ 52,000 |
| Macomb County Michigan | 5 | $ 644,000 | $ 128,000 | $ 0 |
| Warren County New Jersey | 5 | $ 1,184,000 | $ 236,000 | $ 37,000 |
| Beaver County Pennsylvania | 5 | $ 663,000 | $ 132,000 | $ 27,000 |
| Pike County Pennsylvania | 5 | $ 974,000 | $ 194,000 | $ 88,000 |
| Wayne County Pennsylvania | 5 | $ 838,000 | $ 167,000 | $ 139,000 |
| Charleston County South Carolina | 5 | $ 909,000 | $ 181,000 | $ 31,000 |
| Fauquier County Virginia | 5 | $ 1,640,000 | $ 328,000 | $ 82,000 |
| Powhatan County Virginia | 5 | $ 2,028,000 | $ 405,000 | $ 60,000 |
| Richmond City County Virginia | 5 | $ 933,000 | $ 186,000 | $ 39,000 |
| York County Virginia | 5 | $ 810,000 | $ 162,000 | $ 68,000 |
| Kanawha County West Virginia | 5 | $ 459,000 | $ 91,000 | $ 49,000 |
| Collier County Florida | 4 | $ 1,049,000 | $ 262,000 | $ 77,000 |
| Lake County Florida | 4 | $ 928,000 | $ 232,000 | $ 0 |
| Marion County Florida | 4 | $ 698,000 | $ 174,000 | $ 0 |
| Polk County Florida | 4 | $ 824,000 | $ 206,000 | $ 29,000 |
| Volusia County Florida | 4 | $ 1,056,000 | $ 264,000 | $ 0 |
| Cherokee County Georgia | 4 | $ 774,000 | $ 193,000 | $ 17,000 |
| Clayton County Georgia | 4 | $ 691,000 | $ 172,000 | $ 0 |
| Cobb County Georgia | 4 | $ 871,000 | $ 217,000 | $ 23,000 |
| Colquitt County Georgia | 4 | $ 489,000 | $ 122,000 | $ 15,000 |
| Richmond County Georgia | 4 | $ 684,000 | $ 171,000 | $ 35,000 |
| Oakland County Michigan | 4 | $ 999,000 | $ 249,000 | $ 56,000 |
| Clark County Nevada | 4 | $ 832,000 | $ 208,000 | $ 32,000 |
| Guilford County North Carolina | 4 | $ 528,000 | $ 132,000 | $ 55,000 |
| Butler County Pennsylvania | 4 | $ 619,000 | $ 154,000 | $ 50,000 |
| Washington County Pennsylvania | 4 | $ 675,000 | $ 168,000 | $ 64,000 |
| Rutherford County Tennessee | 4 | $ 669,000 | $ 167,000 | $ 13,000 |
| Albemarle County Virginia | 4 | $ 777,000 | $ 194,000 | $ 10,000 |
| Frederick County Virginia | 4 | $ 897,000 | $ 224,000 | $ 37,000 |
| Manassas County Virginia | 4 | $ 833,000 | $ 208,000 | $ 79,000 |
| Cabell County West Virginia | 4 | $ 545,000 | $ 136,000 | $ 45,000 |
| Wood County West Virginia | 4 | $ 374,000 | $ 93,000 | $ 18,000 |
| Jefferson County Colorado | 3 | $ 747,000 | $ 249,000 | $ 0 |
| Tolland County Connecticut | 3 | $ 717,000 | $ 239,000 | $ 105,000 |
| Bay County Florida | 3 | $ 603,000 | $ 201,000 | $ 16,000 |
| Pinellas County Florida | 3 | $ 605,000 | $ 201,000 | $ 16,000 |
| Muscogee County Georgia | 3 | $ 504,000 | $ 168,000 | $ 13,000 |
| Whitfield County Georgia | 3 | $ 297,000 | $ 99,000 | $ 31,000 |
| Kent County Maryland | 3 | $ 847,000 | $ 282,000 | $ 51,000 |
| Cabarrus County North Carolina | 3 | $ 633,000 | $ 211,000 | $ 0 |
| Cumberland County North Carolina | 3 | $ 498,000 | $ 166,000 | $ 0 |
| Lawrence County Ohio | 3 | $ 610,000 | $ 203,000 | $ 70,000 |
| Summit County Ohio | 3 | $ 342,000 | $ 114,000 | $ 9,000 |
| Washington County Ohio | 3 | $ 475,000 | $ 158,000 | $ 73,000 |
| Erie County Pennsylvania | 3 | $ 365,000 | $ 121,000 | $ 53,000 |
| Lycoming County Pennsylvania | 3 | $ 476,000 | $ 158,000 | $ 83,000 |
| Mercer County Pennsylvania | 3 | $ 438,000 | $ 146,000 | $ 43,000 |
| Northumberland County Pennsylvania | 3 | $ 443,000 | $ 147,000 | $ 59,000 |
| Venango County Pennsylvania | 3 | $ 287,000 | $ 95,000 | $ 56,000 |
| Abbeville County South Carolina | 3 | $ 333,000 | $ 111,000 | $ 44,000 |
| Berkeley County South Carolina | 3 | $ 630,000 | $ 210,000 | $ 0 |
| Greenwood County South Carolina | 3 | $ 276,000 | $ 92,000 | $ 45,000 |
| Knox County Tennessee | 3 | $ 363,000 | $ 121,000 | $ 29,000 |
| Roane County Tennessee | 3 | $ 379,000 | $ 126,000 | $ 6,000 |
| Williamson County Tennessee | 3 | $ 445,000 | $ 148,000 | $ 48,000 |
| Appomattox County Virginia | 3 | $ 723,000 | $ 241,000 | $ 51,000 |
| Campbell County Virginia | 3 | $ 575,000 | $ 191,000 | $ 0 |
| Caroline County Virginia | 3 | $ 823,000 | $ 274,000 | $ 0 |
| Colonial Heights County Virginia | 3 | $ 788,000 | $ 262,000 | $ 0 |
| King George County Virginia | 3 | $ 841,000 | $ 280,000 | $ 48,000 |
| Roanoke City County Virginia | 3 | $ 562,000 | $ 187,000 | $ 70,000 |
| Berkeley County West Virginia | 3 | $ 753,000 | $ 251,000 | $ 20,000 |
| Denver County Colorado | 2 | $ 1,222,000 | $ 611,000 | $ 191,000 |
| Douglas County Colorado | 2 | $ 492,000 | $ 246,000 | $ 108,000 |
| Middlesex County Connecticut | 2 | $ 770,000 | $ 385,000 | $ 108,000 |
| New London County Connecticut | 2 | $ 384,000 | $ 192,000 | $ 74,000 |
| Manatee County Florida | 2 | $ 447,000 | $ 223,000 | $ 0 |
| Putnam County Florida | 2 | $ 442,000 | $ 221,000 | $ 0 |
| St. Johns County Florida | 2 | $ 525,000 | $ 262,000 | $ 0 |
| Barrow County Georgia | 2 | $ 394,000 | $ 197,000 | $ 31,000 |
| Chatham County Georgia | 2 | $ 337,000 | $ 168,000 | $ 0 |
| Columbia County Georgia | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Douglas County Georgia | 2 | $ 140,000 | $ 70,000 | $ 29,000 |
| Fayette County Georgia | 2 | $ 725,000 | $ 362,000 | $ 0 |
| Forsyth County Georgia | 2 | $ 293,000 | $ 146,000 | $ 42,000 |
| Towns County Georgia | 2 | $ 393,000 | $ 196,000 | $ 69,000 |
| Union County Georgia | 2 | $ 361,000 | $ 180,000 | $ 39,000 |
| Hendricks County Indiana | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Johnson County Indiana | 2 | $ 236,000 | $ 118,000 | $ 16,000 |
| Shelby County Indiana | 2 | $ 131,000 | $ 65,000 | $ 18,000 |
| Somerset County Maryland | 2 | $ 255,000 | $ 127,000 | $ 28,000 |
| Talbot County Maryland | 2 | $ 336,000 | $ 168,000 | $ 20,000 |
| Wayne County Michigan | 2 | $ 317,000 | $ 158,000 | $ 28,000 |
| Brunswick County North Carolina | 2 | $ 531,000 | $ 265,000 | $ 26,000 |
| Forsyth County North Carolina | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Union County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Erie County Ohio | 2 | $ 343,000 | $ 171,000 | $ 70,000 |
| Franklin County Ohio | 2 | $ 261,000 | $ 130,000 | $ 71,000 |
| Huron County Ohio | 2 | $ 250,000 | $ 125,000 | $ 45,000 |
| Stark County Ohio | 2 | $ 236,000 | $ 118,000 | $ 0 |
| Blair County Pennsylvania | 2 | $ 267,000 | $ 133,000 | $ 17,000 |
| Bradford County Pennsylvania | 2 | $ 273,000 | $ 136,000 | $ 42,000 |
| Potter County Pennsylvania | 2 | $ 447,000 | $ 223,000 | $ 43,000 |
| Susquehanna County Pennsylvania | 2 | $ 256,000 | $ 128,000 | $ 44,000 |
| Wyoming County Pennsylvania | 2 | $ 385,000 | $ 192,000 | $ 25,000 |
| York County South Carolina | 2 | $ 488,000 | $ 244,000 | $ 0 |
| Bradley County Tennessee | 2 | $ 364,000 | $ 182,000 | $ 0 |
| Cheatham County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 30,000 |
| Hamilton County Tennessee | 2 | $ 211,000 | $ 105,000 | $ 36,000 |
| Robertson County Tennessee | 2 | $ 315,000 | $ 157,000 | $ 0 |
| Sumner County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Bedford County Virginia | 2 | $ 340,000 | $ 170,000 | $ 16,000 |
| Gloucester County Virginia | 2 | $ 534,000 | $ 267,000 | $ 0 |
| Halifax County Virginia | 2 | $ 130,000 | $ 65,000 | $ 13,000 |
| Hanover County Virginia | 2 | $ 356,000 | $ 178,000 | $ 51,000 |
| Northampton County Virginia | 2 | $ 355,000 | $ 177,000 | $ 69,000 |
| Orange County Virginia | 2 | $ 340,000 | $ 170,000 | $ 51,000 |
| Petersburg County Virginia | 2 | $ 254,000 | $ 127,000 | $ 13,000 |
| Roanoke County Virginia | 2 | $ 332,000 | $ 166,000 | $ 56,000 |
| Warren County Virginia | 2 | $ 328,000 | $ 164,000 | $ 15,000 |
| Jefferson County West Virginia | 2 | $ 472,000 | $ 236,000 | $ 0 |
| Adams County Colorado | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Delta County Colorado | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Las Animas County Colorado | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Logan County Colorado | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Mesa County Colorado | 1 | $ 369,000 | $ 369,000 | $ 0 |
| Montezuma County Colorado | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Weld County Colorado | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Litchfield County Connecticut | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Windham County Connecticut | 1 | $ 282,000 | $ 282,000 | $ 75,000 |
| Alachua County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Citrus County Florida | 1 | $ 90,000 | $ 90,000 | $ 148,000 |
| DeSoto County Florida | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Leon County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Monroe County Florida | 1 | $ 364,000 | $ 364,000 | $ 65,000 |
| Nassau County Florida | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Pasco County Florida | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Bryan County Georgia | 1 | $ 346,000 | $ 346,000 | $ 0 |
| Camden County Georgia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Carroll County Georgia | 1 | $ 182,000 | $ 182,000 | $ 52,000 |
| Effingham County Georgia | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Fannin County Georgia | 1 | $ 185,000 | $ 185,000 | $ 31,000 |
| Haralson County Georgia | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Houston County Georgia | 1 | $ 194,000 | $ 194,000 | $ 77,000 |
| Jasper County Georgia | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Liberty County Georgia | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Long County Georgia | 1 | $ 270,000 | $ 270,000 | $ 110,000 |
| Lowndes County Georgia | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Madison County Georgia | 1 | $ 293,000 | $ 293,000 | $ 0 |
| McDuffie County Georgia | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Newton County Georgia | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Polk County Georgia | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Thomas County Georgia | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Turner County Georgia | 1 | $ 74,000 | $ 74,000 | $ 17,000 |
| Walton County Georgia | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Carroll County Indiana | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Clay County Indiana | 1 | $ 60,000 | $ 60,000 | $ 26,000 |
| Clinton County Indiana | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Hancock County Indiana | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Morgan County Indiana | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Owen County Indiana | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Vigo County Indiana | 1 | $ 52,000 | $ 52,000 | $ 14,000 |
| White County Indiana | 1 | $ 128,000 | $ 128,000 | $ 33,000 |
| Garrett County Maryland | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Hampshire County Massachusetts | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Bay County Michigan | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Berrien County Michigan | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Jackson County Michigan | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Monroe County Michigan | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Saginaw County Michigan | 1 | $ 93,000 | $ 93,000 | $ 0 |
| St. Clair County Michigan | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Tuscola County Michigan | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Van Buren County Michigan | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 417,000 | $ 417,000 | $ 97,000 |
| Anoka County Minnesota | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Benton County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Mille Lacs County Minnesota | 1 | $ 254,000 | $ 254,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Renville County Minnesota | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Swift County Minnesota | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Merrimack County New Hampshire | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Orange County New York | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 227,000 | $ 227,000 | $ 70,000 |
| Catawba County North Carolina | 1 | $ 238,000 | $ 238,000 | $ 75,000 |
| Craven County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Duplin County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Lee County North Carolina | 1 | $ 178,000 | $ 178,000 | $ 37,000 |
| Moore County North Carolina | 1 | $ 204,000 | $ 204,000 | $ 57,000 |
| Onslow County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Randolph County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Stokes County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Surry County North Carolina | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Ashtabula County Ohio | 1 | $ 219,000 | $ 219,000 | $ 85,000 |
| Clermont County Ohio | 1 | $ 152,000 | $ 152,000 | $ 104,000 |
| Hamilton County Ohio | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Lucas County Ohio | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Miami County Ohio | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Pickaway County Ohio | 1 | $ 403,000 | $ 403,000 | $ 109,000 |
| Clinton County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Columbia County Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 38,000 |
| Fayette County Pennsylvania | 1 | $ 241,000 | $ 241,000 | $ 138,000 |
| Fulton County Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 75,000 |
| Juniata County Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 57,000 |
| McKean County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 59,000 |
| Mifflin County Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 51,000 |
| Montour County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 9,000 |
| Somerset County Pennsylvania | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Sullivan County Pennsylvania | 1 | $ 141,000 | $ 141,000 | $ 109,000 |
| Union County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 44,000 |
| Anderson County South Carolina | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Florence County South Carolina | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Laurens County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 137,000 |
| Oconee County South Carolina | 1 | $ 102,000 | $ 102,000 | $ 56,000 |
| Anderson County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 130,000 |
| Carroll County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Carter County Tennessee | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Coffee County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Crockett County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Haywood County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 26,000 |
| Henderson County Tennessee | 1 | $ 121,000 | $ 121,000 | $ 37,000 |
| Jefferson County Tennessee | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Lawrence County Tennessee | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Maury County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Monroe County Tennessee | 1 | $ 142,000 | $ 142,000 | $ 37,000 |
| Montgomery County Tennessee | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Smith County Tennessee | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Washington County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 36,000 |
| Wayne County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Alleghany County Virginia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Amelia County Virginia | 1 | $ 260,000 | $ 260,000 | $ 52,000 |
| Amherst County Virginia | 1 | $ 104,000 | $ 104,000 | $ 55,000 |
| Culpeper County Virginia | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Danville County Virginia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Floyd County Virginia | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Fluvanna County Virginia | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Franklin County Virginia | 1 | $ 417,000 | $ 417,000 | $ 64,000 |
| Fredericksburg County Virginia | 1 | $ 307,000 | $ 307,000 | $ 70,000 |
| Greene County Virginia | 1 | $ 188,000 | $ 188,000 | $ 61,000 |
| Henry County Virginia | 1 | $ 91,000 | $ 91,000 | $ 16,000 |
| Hopewell County Virginia | 1 | $ 66,000 | $ 66,000 | $ 36,000 |
| Louisa County Virginia | 1 | $ 252,000 | $ 252,000 | $ 91,000 |
| Lynchburg County Virginia | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Manassas Park County Virginia | 1 | $ 144,000 | $ 144,000 | $ 32,000 |
| Mathews County Virginia | 1 | $ 231,000 | $ 231,000 | $ 0 |
| New Kent County Virginia | 1 | $ 202,000 | $ 202,000 | $ 101,000 |
| Page County Virginia | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Pittsylvania County Virginia | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Prince George County Virginia | 1 | $ 168,000 | $ 168,000 | $ 37,000 |
| Richmond County Virginia | 1 | $ 190,000 | $ 190,000 | $ 51,000 |
| Salem County Virginia | 1 | $ 187,000 | $ 187,000 | $ 49,000 |
| Shenandoah County Virginia | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Smyth County Virginia | 1 | $ 162,000 | $ 162,000 | $ 54,000 |
| Southampton County Virginia | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Staunton County Virginia | 1 | $ 180,000 | $ 180,000 | $ 43,000 |
| Washington County Virginia | 1 | $ 138,000 | $ 138,000 | $ 43,000 |
| Westmoreland County Virginia | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Williamsburg County Virginia | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Winchester County Virginia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Wise County Virginia | 1 | $ 82,000 | $ 82,000 | $ 24,000 |
| Lincoln County West Virginia | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company in 2009
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 | 4,807 | $1,145,388,000 | $238,000 | $1,000,000 | $51,000 | $1,252,000 |
| Home Purchase | 2,922 | $574,364,000 | $196,000 | $910,000 | $69,000 | $615,000 |
| 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 | 5,200 | $1,145,535,000 | $220,000 | $1,000,000 | $65,000 | $976,000 |
| Black or African American | 1,565 | $351,245,000 | $224,000 | $743,000 | $41,000 | $1,252,000 |
| Hispanic | 393 | $83,185,000 | $211,000 | $686,000 | $41,000 | $388,000 |
| Not Provided | 355 | $84,558,000 | $238,000 | $703,000 | $42,000 | $252,000 |
| Asian | 186 | $47,219,000 | $253,000 | $613,000 | $70,000 | $504,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $5,984,000 | $284,000 | $417,000 | $59,000 | $120,000 |
| American Indian or Alaskan Native | 9 | $2,026,000 | $225,000 | $410,000 | $48,000 | $99,000 |
| 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) | 4,838 | $1,100,462,000 | $227,000 | $743,000 | $48,000 | $688,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,078 | $424,264,000 | $204,000 | $1,000,000 | $92,000 | $1,252,000 |
| VA-guaranteed (Veterans Administration) | 812 | $194,826,000 | $239,000 | $557,000 | $32,000 | $259,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $200,000 | $200,000 | $200,000 | $52,000 | $52,000 |
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 | 5,106 | $1,136,006,000 | $222,000 | $1,000,000 | $59,000 | $688,000 |
| Application Denied By Financial Institution | 1,022 | $224,187,000 | $219,000 | $743,000 | $57,000 | $1,252,000 |
| Application Withdrawn By Applicant | 887 | $198,224,000 | $223,000 | $910,000 | $61,000 | $614,000 |
| Application Approved But Not Accepted | 714 | $161,335,000 | $225,000 | $649,000 | $44,000 | $976,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 435 | $93,613,000 | $215,000 | $743,000 | $52,000 | $452,000 |
| Debt-To-Income Ratio | 82 | $20,888,000 | $254,000 | $585,000 | $61,000 | $208,000 |
| Credit History | 60 | $12,293,000 | $204,000 | $429,000 | $51,000 | $191,000 |
| Collateral | 58 | $12,173,000 | $209,000 | $488,000 | $83,000 | $1,252,000 |
| Unverifiable Information | 27 | $5,893,000 | $218,000 | $420,000 | $57,000 | $138,000 |
| Employment History | 8 | $1,520,000 | $190,000 | $299,000 | $67,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $112,000 | $112,000 | $112,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 1 | $106,000 | $106,000 | $106,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 1 | $186,000 | $186,000 | $186,000 | $68,000 | $68,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company's 2009 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.