Cardinal Financial Company, Limited Partnership in Alabama vs the state
12.0%Denial rate-7.84 pts vs state
12.7%Decision denial rate-12.26 pts vs state
64.0%Origination rate+8.57 pts vs state
6.25%Median rate-0.25 pts vs state
0.52Rate spread (pts)+0.23 pts vs state
$73kMedian applicant income
213Loans originated
40Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 524 | 369 | 9.5% | 6.75% | #68 |
| 2024 | 317 | 199 | 12.3% | 6.63% | #104 |
| 2025 | 333 | 213 | 12.0% | 6.25% | #109 |
What Cardinal Financial Company, Limited Partnership lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 38 | 27 | 2 | 5.3% |
| Baldwin County | 33 | 24 | 6 | 18.2% |
| Jefferson County | 28 | 14 | 7 | 25.0% |
| Madison County | 17 | 11 | 2 | 11.8% |
| Marshall County | 13 | 6 | 3 | 23.1% |
| Cherokee County | 12 | 8 | 1 | 8.3% |
| Tuscaloosa County | 11 | 8 | 0 | 0.0% |
| Etowah County | 10 | 8 | 2 | 20.0% |
| Cullman County | 9 | 6 | 0 | 0.0% |
| Calhoun County | 9 | 5 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 333 applications in 2025, of which 213 were originated and 40 denied.
12.0% of all applications, or 12.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Alabama in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Cardinal Financial Company, Limited Partnership's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology