Cardinal Financial Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Cardinal Financial Company 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Cardinal Financial Company 444 Jacksonville Road Warminster, PA 18974 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,750 |
| Total Mortgage Loan Application Amount | $1,295,418,000 |
| Average Mortgage Loan Application Amount | $223,500 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $2,015,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | $ 107,294,000 | $ 171,000 | $ 66,000 |
| Bucks County Pennsylvania | 376 | $ 86,109,000 | $ 229,000 | $ 103,000 |
| Montgomery County Pennsylvania | 341 | $ 76,619,000 | $ 224,000 | $ 94,000 |
| Ocean County New Jersey | 212 | $ 47,726,000 | $ 225,000 | $ 70,000 |
| Chester County Pennsylvania | 189 | $ 48,979,000 | $ 259,000 | $ 114,000 |
| Monmouth County New Jersey | 182 | $ 52,475,000 | $ 288,000 | $ 93,000 |
| Essex County New Jersey | 173 | $ 44,702,000 | $ 258,000 | $ 95,000 |
| Baltimore County Maryland | 165 | $ 39,362,000 | $ 238,000 | $ 69,000 |
| Prince George's County Maryland | 158 | $ 41,276,000 | $ 261,000 | $ 63,000 |
| Montgomery County Maryland | 156 | $ 48,973,000 | $ 313,000 | $ 88,000 |
| Luzerne County Pennsylvania | 137 | $ 18,950,000 | $ 138,000 | $ 59,000 |
| Union County New Jersey | 136 | $ 36,119,000 | $ 265,000 | $ 67,000 |
| Lehigh County Pennsylvania | 129 | $ 22,946,000 | $ 177,000 | $ 82,000 |
| New Castle County Delaware | 128 | $ 28,181,000 | $ 220,000 | $ 76,000 |
| Burlington County New Jersey | 114 | $ 26,061,000 | $ 228,000 | $ 95,000 |
| Delaware County Pennsylvania | 104 | $ 19,625,000 | $ 188,000 | $ 86,000 |
| Middlesex County New Jersey | 98 | $ 28,950,000 | $ 295,000 | $ 92,000 |
| Camden County New Jersey | 96 | $ 17,482,000 | $ 182,000 | $ 75,000 |
| Baltimore City County Maryland | 81 | $ 11,778,000 | $ 145,000 | $ 45,000 |
| Bergen County New Jersey | 80 | $ 27,988,000 | $ 349,000 | $ 105,000 |
| Anne Arundel County Maryland | 77 | $ 22,958,000 | $ 298,000 | $ 72,000 |
| Fairfax County Virginia | 65 | $ 20,464,000 | $ 314,000 | $ 93,000 |
| Lancaster County Pennsylvania | 63 | $ 10,606,000 | $ 168,000 | $ 77,000 |
| Passaic County New Jersey | 60 | $ 15,100,000 | $ 251,000 | $ 69,000 |
| District of Columbia County District Of Columbia | 58 | $ 17,592,000 | $ 303,000 | $ 75,000 |
| Virginia Beach County Virginia | 57 | $ 12,678,000 | $ 222,000 | $ 65,000 |
| Gloucester County New Jersey | 55 | $ 10,540,000 | $ 191,000 | $ 76,000 |
| Somerset County New Jersey | 47 | $ 14,336,000 | $ 305,000 | $ 98,000 |
| Monroe County Pennsylvania | 47 | $ 7,468,000 | $ 158,000 | $ 70,000 |
| Carroll County Maryland | 46 | $ 11,536,000 | $ 250,000 | $ 56,000 |
| Hudson County New Jersey | 46 | $ 13,444,000 | $ 292,000 | $ 83,000 |
| Berks County Pennsylvania | 43 | $ 6,814,000 | $ 158,000 | $ 70,000 |
| York County Pennsylvania | 38 | $ 7,490,000 | $ 197,000 | $ 68,000 |
| Chesapeake County Virginia | 38 | $ 8,891,000 | $ 233,000 | $ 76,000 |
| Bristol County Massachusetts | 36 | $ 9,362,000 | $ 260,000 | $ 69,000 |
| Morris County New Jersey | 36 | $ 11,808,000 | $ 328,000 | $ 109,000 |
| Northampton County Pennsylvania | 36 | $ 6,499,000 | $ 180,000 | $ 72,000 |
| Howard County Maryland | 35 | $ 11,555,000 | $ 330,000 | $ 110,000 |
| Cumberland County Pennsylvania | 35 | $ 5,482,000 | $ 156,000 | $ 57,000 |
| Lackawanna County Pennsylvania | 33 | $ 4,472,000 | $ 135,000 | $ 54,000 |
| Prince William County Virginia | 33 | $ 7,946,000 | $ 240,000 | $ 72,000 |
| Allegheny County Pennsylvania | 32 | $ 4,192,000 | $ 131,000 | $ 69,000 |
| Harford County Maryland | 31 | $ 8,167,000 | $ 263,000 | $ 77,000 |
| Carbon County Pennsylvania | 31 | $ 4,447,000 | $ 143,000 | $ 72,000 |
| Atlantic County New Jersey | 30 | $ 6,687,000 | $ 222,000 | $ 92,000 |
| Cape May County New Jersey | 30 | $ 7,584,000 | $ 252,000 | $ 157,000 |
| Dougherty County Georgia | 28 | $ 3,122,000 | $ 111,000 | $ 37,000 |
| Charles County Maryland | 25 | $ 6,722,000 | $ 268,000 | $ 58,000 |
| Mercer County New Jersey | 25 | $ 6,377,000 | $ 255,000 | $ 140,000 |
| Norfolk County Virginia | 25 | $ 4,465,000 | $ 178,000 | $ 58,000 |
| Frederick County Maryland | 24 | $ 6,841,000 | $ 285,000 | $ 63,000 |
| Stafford County Virginia | 24 | $ 6,475,000 | $ 269,000 | $ 90,000 |
| Sussex County Delaware | 22 | $ 4,584,000 | $ 208,000 | $ 83,000 |
| Calvert County Maryland | 22 | $ 6,982,000 | $ 317,000 | $ 96,000 |
| Portsmouth County Virginia | 22 | $ 3,660,000 | $ 166,000 | $ 43,000 |
| Broward County Florida | 20 | $ 2,966,000 | $ 148,000 | $ 76,000 |
| Sussex County New Jersey | 20 | $ 4,012,000 | $ 200,000 | $ 90,000 |
| Hampton County Virginia | 19 | $ 2,893,000 | $ 152,000 | $ 47,000 |
| Gwinnett County Georgia | 17 | $ 2,682,000 | $ 157,000 | $ 55,000 |
| Dauphin County Pennsylvania | 17 | $ 2,605,000 | $ 153,000 | $ 45,000 |
| Chesterfield County Virginia | 16 | $ 3,791,000 | $ 236,000 | $ 100,000 |
| Adams County Pennsylvania | 14 | $ 3,234,000 | $ 231,000 | $ 56,000 |
| Lebanon County Pennsylvania | 14 | $ 2,456,000 | $ 175,000 | $ 67,000 |
| Newport News County Virginia | 14 | $ 2,373,000 | $ 169,000 | $ 49,000 |
| Norfolk County Massachusetts | 13 | $ 4,252,000 | $ 327,000 | $ 72,000 |
| Loudoun County Virginia | 13 | $ 4,347,000 | $ 334,000 | $ 73,000 |
| Suffolk County Virginia | 13 | $ 3,215,000 | $ 247,000 | $ 51,000 |
| Miami-Dade County Florida | 12 | $ 1,617,000 | $ 134,000 | $ 47,000 |
| Queen Anne's County Maryland | 12 | $ 3,736,000 | $ 311,000 | $ 109,000 |
| Schuylkill County Pennsylvania | 12 | $ 1,186,000 | $ 98,000 | $ 61,000 |
| Kent County Delaware | 11 | $ 2,233,000 | $ 203,000 | $ 58,000 |
| Cecil County Maryland | 11 | $ 2,204,000 | $ 200,000 | $ 84,000 |
| Dorchester County Maryland | 11 | $ 1,993,000 | $ 181,000 | $ 145,000 |
| Hunterdon County New Jersey | 11 | $ 3,235,000 | $ 294,000 | $ 58,000 |
| Warren County New Jersey | 11 | $ 2,588,000 | $ 235,000 | $ 62,000 |
| Cumberland County New Jersey | 10 | $ 1,601,000 | $ 160,000 | $ 55,000 |
| Arlington County Virginia | 10 | $ 5,138,000 | $ 513,000 | $ 239,000 |
| Fairfield County Connecticut | 9 | $ 3,643,000 | $ 404,000 | $ 101,000 |
| Lee County Florida | 9 | $ 1,481,000 | $ 164,000 | $ 110,000 |
| St. Lucie County Florida | 8 | $ 1,386,000 | $ 173,000 | $ 51,000 |
| Worcester County Maryland | 8 | $ 1,830,000 | $ 228,000 | $ 104,000 |
| Westmoreland County Pennsylvania | 8 | $ 1,069,000 | $ 133,000 | $ 79,000 |
| King George County Virginia | 8 | $ 2,187,000 | $ 273,000 | $ 77,000 |
| Palm Beach County Florida | 7 | $ 2,284,000 | $ 326,000 | $ 149,000 |
| Plymouth County Massachusetts | 7 | $ 1,663,000 | $ 237,000 | $ 45,000 |
| Lycoming County Pennsylvania | 7 | $ 916,000 | $ 130,000 | $ 57,000 |
| Albemarle County Virginia | 7 | $ 1,471,000 | $ 210,000 | $ 42,000 |
| Alexandria County Virginia | 7 | $ 1,828,000 | $ 261,000 | $ 37,000 |
| Henrico County Virginia | 7 | $ 1,558,000 | $ 222,000 | $ 83,000 |
| Manassas County Virginia | 7 | $ 1,196,000 | $ 170,000 | $ 17,000 |
| Lee County Georgia | 6 | $ 960,000 | $ 160,000 | $ 46,000 |
| Salem County New Jersey | 6 | $ 1,810,000 | $ 301,000 | $ 104,000 |
| Franklin County Pennsylvania | 6 | $ 927,000 | $ 154,000 | $ 64,000 |
| Spotsylvania County Virginia | 6 | $ 1,660,000 | $ 276,000 | $ 112,000 |
| Hartford County Connecticut | 5 | $ 889,000 | $ 177,000 | $ 76,000 |
| Hillsborough County Florida | 5 | $ 617,000 | $ 123,000 | $ 62,000 |
| St. Mary's County Maryland | 5 | $ 1,477,000 | $ 295,000 | $ 54,000 |
| Wicomico County Maryland | 5 | $ 881,000 | $ 176,000 | $ 24,000 |
| Middlesex County Massachusetts | 5 | $ 1,774,000 | $ 354,000 | $ 91,000 |
| Beaver County Pennsylvania | 5 | $ 553,000 | $ 110,000 | $ 58,000 |
| Gloucester County Virginia | 5 | $ 905,000 | $ 181,000 | $ 54,000 |
| Pittsylvania County Virginia | 5 | $ 1,076,000 | $ 215,000 | $ 86,000 |
| Richmond City County Virginia | 5 | $ 763,000 | $ 152,000 | $ 41,000 |
| New Haven County Connecticut | 4 | $ 1,136,000 | $ 284,000 | $ 118,000 |
| Charlotte County Florida | 4 | $ 750,000 | $ 187,000 | $ 151,000 |
| Collier County Florida | 4 | $ 1,115,000 | $ 278,000 | $ 157,000 |
| Flagler County Florida | 4 | $ 1,041,000 | $ 260,000 | $ 202,000 |
| Pinellas County Florida | 4 | $ 447,000 | $ 111,000 | $ 31,000 |
| DeKalb County Georgia | 4 | $ 393,000 | $ 98,000 | $ 29,000 |
| Wake County North Carolina | 4 | $ 710,000 | $ 177,000 | $ 89,000 |
| Blair County Pennsylvania | 4 | $ 367,000 | $ 91,000 | $ 33,000 |
| Butler County Pennsylvania | 4 | $ 727,000 | $ 181,000 | $ 71,000 |
| Washington County Pennsylvania | 4 | $ 632,000 | $ 158,000 | $ 52,000 |
| Greenwood County South Carolina | 4 | $ 501,000 | $ 125,000 | $ 56,000 |
| Danville County Virginia | 4 | $ 470,000 | $ 117,000 | $ 45,000 |
| Halifax County Virginia | 4 | $ 854,000 | $ 213,000 | $ 46,000 |
| James City County Virginia | 4 | $ 913,000 | $ 228,000 | $ 83,000 |
| Manassas Park County Virginia | 4 | $ 929,000 | $ 232,000 | $ 64,000 |
| Rockingham County Virginia | 4 | $ 694,000 | $ 173,000 | $ 45,000 |
| Martin County Florida | 3 | $ 497,000 | $ 165,000 | $ 48,000 |
| Caroline County Maryland | 3 | $ 658,000 | $ 219,000 | $ 67,000 |
| Pike County Pennsylvania | 3 | $ 862,000 | $ 287,000 | $ 65,000 |
| Susquehanna County Pennsylvania | 3 | $ 311,000 | $ 103,000 | $ 44,000 |
| Wayne County Pennsylvania | 3 | $ 543,000 | $ 181,000 | $ 136,000 |
| Greenville County South Carolina | 3 | $ 399,000 | $ 133,000 | $ 56,000 |
| Culpeper County Virginia | 3 | $ 750,000 | $ 250,000 | $ 24,000 |
| Isle of Wight County Virginia | 3 | $ 764,000 | $ 254,000 | $ 65,000 |
| Louisa County Virginia | 3 | $ 568,000 | $ 189,000 | $ 30,000 |
| New Kent County Virginia | 3 | $ 910,000 | $ 303,000 | $ 49,000 |
| Kanawha County West Virginia | 3 | $ 436,000 | $ 145,000 | $ 52,000 |
| Pasco County Florida | 2 | $ 264,000 | $ 132,000 | $ 33,000 |
| Polk County Florida | 2 | $ 350,000 | $ 175,000 | $ 84,000 |
| Volusia County Florida | 2 | $ 327,000 | $ 163,000 | $ 28,000 |
| Muscogee County Georgia | 2 | $ 215,000 | $ 107,000 | $ 25,000 |
| Sumter County Georgia | 2 | $ 279,000 | $ 139,000 | $ 87,000 |
| Tift County Georgia | 2 | $ 395,000 | $ 197,000 | $ 51,000 |
| Hendricks County Indiana | 2 | $ 486,000 | $ 243,000 | $ 131,000 |
| Washington County Maryland | 2 | $ 395,000 | $ 197,000 | $ 25,000 |
| Barnstable County Massachusetts | 2 | $ 559,000 | $ 279,000 | $ 148,000 |
| Hampden County Massachusetts | 2 | $ 299,000 | $ 149,000 | $ 38,000 |
| Suffolk County Massachusetts | 2 | $ 450,000 | $ 225,000 | $ 176,000 |
| Worcester County Massachusetts | 2 | $ 580,000 | $ 290,000 | $ 88,000 |
| Olmsted County Minnesota | 2 | $ 312,000 | $ 156,000 | $ 73,000 |
| Chowan County North Carolina | 2 | $ 297,000 | $ 148,000 | $ 46,000 |
| Union County North Carolina | 2 | $ 348,000 | $ 174,000 | $ 0 |
| Bedford County Pennsylvania | 2 | $ 222,000 | $ 111,000 | $ 51,000 |
| Cambria County Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Centre County Pennsylvania | 2 | $ 389,000 | $ 194,000 | $ 498,000 |
| Clarion County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 32,000 |
| Clearfield County Pennsylvania | 2 | $ 111,000 | $ 55,000 | $ 24,000 |
| Columbia County Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 99,000 |
| Lawrence County Pennsylvania | 2 | $ 234,000 | $ 117,000 | $ 76,000 |
| Perry County Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 47,000 |
| Potter County Pennsylvania | 2 | $ 284,000 | $ 142,000 | $ 58,000 |
| Wyoming County Pennsylvania | 2 | $ 305,000 | $ 152,000 | $ 90,000 |
| Abbeville County South Carolina | 2 | $ 220,000 | $ 110,000 | $ 88,000 |
| Charleston County South Carolina | 2 | $ 254,000 | $ 127,000 | $ 36,000 |
| Pickens County South Carolina | 2 | $ 212,000 | $ 106,000 | $ 61,000 |
| Fauquier County Virginia | 2 | $ 518,000 | $ 259,000 | $ 65,000 |
| Frederick County Virginia | 2 | $ 394,000 | $ 197,000 | $ 26,000 |
| Greene County Virginia | 2 | $ 406,000 | $ 203,000 | $ 37,000 |
| Hanover County Virginia | 2 | $ 612,000 | $ 306,000 | $ 104,000 |
| Harrisonburg County Virginia | 2 | $ 340,000 | $ 170,000 | $ 21,000 |
| Powhatan County Virginia | 2 | $ 601,000 | $ 300,000 | $ 41,000 |
| Shenandoah County Virginia | 2 | $ 693,000 | $ 346,000 | $ 66,000 |
| York County Virginia | 2 | $ 614,000 | $ 307,000 | $ 100,000 |
| Putnam County West Virginia | 2 | $ 301,000 | $ 150,000 | $ 74,000 |
| Boulder County Colorado | 1 | $ 122,000 | $ 122,000 | $ 122,000 |
| Windham County Connecticut | 1 | $ 169,000 | $ 169,000 | $ 78,000 |
| Duval County Florida | 1 | $ 133,000 | $ 133,000 | $ 38,000 |
| Highlands County Florida | 1 | $ 94,000 | $ 94,000 | $ 58,000 |
| Levy County Florida | 1 | $ 239,000 | $ 239,000 | $ 40,000 |
| Manatee County Florida | 1 | $ 106,000 | $ 106,000 | $ 43,000 |
| Monroe County Florida | 1 | $ 260,000 | $ 260,000 | $ 126,000 |
| Okeechobee County Florida | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Osceola County Florida | 1 | $ 106,000 | $ 106,000 | $ 27,000 |
| Sarasota County Florida | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| St. Johns County Florida | 1 | $ 417,000 | $ 417,000 | $ 116,000 |
| Baldwin County Georgia | 1 | $ 289,000 | $ 289,000 | $ 78,000 |
| Bibb County Georgia | 1 | $ 168,000 | $ 168,000 | $ 44,000 |
| Cobb County Georgia | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Columbia County Georgia | 1 | $ 159,000 | $ 159,000 | $ 40,000 |
| Crisp County Georgia | 1 | $ 251,000 | $ 251,000 | $ 76,000 |
| Dawson County Georgia | 1 | $ 167,000 | $ 167,000 | $ 69,000 |
| Early County Georgia | 1 | $ 196,000 | $ 196,000 | $ 40,000 |
| Effingham County Georgia | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 239,000 | $ 239,000 | $ 87,000 |
| Jones County Georgia | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Mitchell County Georgia | 1 | $ 97,000 | $ 97,000 | $ 29,000 |
| Newton County Georgia | 1 | $ 116,000 | $ 116,000 | $ 51,000 |
| Paulding County Georgia | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Richmond County Georgia | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Boone County Indiana | 1 | $ 169,000 | $ 169,000 | $ 35,000 |
| Lake County Indiana | 1 | $ 143,000 | $ 143,000 | $ 45,000 |
| Marion County Indiana | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Pulaski County Indiana | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Starke County Indiana | 1 | $ 37,000 | $ 37,000 | $ 28,000 |
| Allegany County Maryland | 1 | $ 208,000 | $ 208,000 | $ 44,000 |
| Talbot County Maryland | 1 | $ 213,000 | $ 213,000 | $ 198,000 |
| Macomb County Michigan | 1 | $ 286,000 | $ 286,000 | $ 0 |
| Kings County New York | 1 | $ 300,000 | $ 300,000 | $ 82,000 |
| Nassau County New York | 1 | $ 380,000 | $ 380,000 | $ 96,000 |
| Queens County New York | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Dare County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 97,000 |
| Forsyth County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 22,000 |
| Lee County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 77,000 |
| Mecklenburg County North Carolina | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Pender County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 31,000 |
| Clermont County Ohio | 1 | $ 159,000 | $ 159,000 | $ 65,000 |
| Lake County Ohio | 1 | $ 131,000 | $ 131,000 | $ 77,000 |
| Stark County Ohio | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| Armstrong County Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 19,000 |
| Clinton County Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 73,000 |
| Erie County Pennsylvania | 1 | $ 380,000 | $ 380,000 | $ 191,000 |
| Fulton County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 188,000 |
| Huntingdon County Pennsylvania | 1 | $ 194,000 | $ 194,000 | $ 60,000 |
| McKean County Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 54,000 |
| Montour County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Union County Pennsylvania | 1 | $ 99,000 | $ 99,000 | $ 29,000 |
| Berkeley County South Carolina | 1 | $ 199,000 | $ 199,000 | $ 52,000 |
| Laurens County South Carolina | 1 | $ 94,000 | $ 94,000 | $ 124,000 |
| Oconee County South Carolina | 1 | $ 102,000 | $ 102,000 | $ 57,000 |
| Rutherford County Tennessee | 1 | $ 196,000 | $ 196,000 | $ 67,000 |
| Bedford County Virginia | 1 | $ 212,000 | $ 212,000 | $ 383,000 |
| Bedford City County Virginia | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Botetourt County Virginia | 1 | $ 233,000 | $ 233,000 | $ 64,000 |
| Clarke County Virginia | 1 | $ 310,000 | $ 310,000 | $ 160,000 |
| Colonial Heights County Virginia | 1 | $ 290,000 | $ 290,000 | $ 169,000 |
| Cumberland County Virginia | 1 | $ 131,000 | $ 131,000 | $ 29,000 |
| Fairfax City County Virginia | 1 | $ 446,000 | $ 446,000 | $ 136,000 |
| Fluvanna County Virginia | 1 | $ 198,000 | $ 198,000 | $ 52,000 |
| King and Queen County Virginia | 1 | $ 157,000 | $ 157,000 | $ 90,000 |
| Lynchburg County Virginia | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Page County Virginia | 1 | $ 159,000 | $ 159,000 | $ 31,000 |
| Roanoke County Virginia | 1 | $ 310,000 | $ 310,000 | $ 82,000 |
| Smyth County Virginia | 1 | $ 121,000 | $ 121,000 | $ 65,000 |
| Sussex County Virginia | 1 | $ 266,000 | $ 266,000 | $ 109,000 |
| Warren County Virginia | 1 | $ 107,000 | $ 107,000 | $ 86,000 |
| Wythe County Virginia | 1 | $ 277,000 | $ 277,000 | $ 97,000 |
| Marion County West Virginia | 1 | $ 264,000 | $ 264,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Cardinal Financial Company in 2010
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 | 3,001 | $744,117,000 | $247,000 | $900,000 | $86,000 | $2,015,000 |
| Home Purchase | 2,749 | $551,301,000 | $200,000 | $1,500,000 | $74,000 | $876,000 |
| 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 | 4,066 | $931,718,000 | $229,000 | $1,500,000 | $86,000 | $2,015,000 |
| Black or African American | 812 | $157,909,000 | $194,000 | $691,000 | $53,000 | $277,000 |
| Hispanic | 419 | $90,281,000 | $215,000 | $605,000 | $57,000 | $222,000 |
| Asian | 225 | $61,041,000 | $271,000 | $710,000 | $118,000 | $695,000 |
| Not Provided | 204 | $48,673,000 | $238,000 | $742,000 | $70,000 | $293,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,777,000 | $269,000 | $479,000 | $76,000 | $171,000 |
| American Indian or Alaskan Native | 10 | $2,019,000 | $201,000 | $384,000 | $65,000 | $111,000 |
| 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) | 3,075 | $694,400,000 | $225,000 | $900,000 | $58,000 | $436,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,395 | $539,685,000 | $225,000 | $1,500,000 | $110,000 | $2,015,000 |
| VA-guaranteed (Veterans Administration) | 255 | $57,775,000 | $226,000 | $426,000 | $64,000 | $224,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $3,558,000 | $142,000 | $245,000 | $48,000 | $79,000 |
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 | 4,102 | $916,055,000 | $223,000 | $1,500,000 | $81,000 | $2,015,000 |
| Application Approved But Not Accepted | 704 | $158,664,000 | $225,000 | $742,000 | $75,000 | $1,120,000 |
| Application Denied By Financial Institution | 682 | $157,537,000 | $230,000 | $725,000 | $78,000 | $1,822,000 |
| Application Withdrawn By Applicant | 260 | $62,640,000 | $240,000 | $647,000 | $73,000 | $413,000 |
| File Closed For Incompleteness | 2 | $522,000 | $261,000 | $377,000 | $56,000 | $64,000 |
| 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 | 369 | $85,561,000 | $231,000 | $709,000 | $87,000 | $1,822,000 |
| Debt-To-Income Ratio | 87 | $20,982,000 | $241,000 | $725,000 | $62,000 | $189,000 |
| Credit Application Incomplete | 63 | $14,603,000 | $231,000 | $464,000 | $68,000 | $293,000 |
| Collateral | 58 | $12,186,000 | $210,000 | $653,000 | $82,000 | $293,000 |
| Credit History | 51 | $11,897,000 | $233,000 | $585,000 | $64,000 | $192,000 |
| Employment History | 16 | $3,091,000 | $193,000 | $560,000 | $52,000 | $117,000 |
| Unverifiable Information | 6 | $713,000 | $118,000 | $147,000 | $37,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,265,000 | $253,000 | $354,000 | $54,000 | $91,000 |
| Mortgage Insurance Denied | 1 | $328,000 | $328,000 | $328,000 | $143,000 | $143,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cardinal Financial Company's 2010 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.
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with aggregated HMDA statistics today.