Cardinal Financial Company, Limited Partnership in Arizona vs the state
9.0%Denial rate-7.21 pts vs state
9.8%Decision denial rate-10.60 pts vs state
71.4%Origination rate+11.95 pts vs state
6.75%Median rate+0.25 pts vs state
0.49Rate spread (pts)+0.27 pts vs state
$104kMedian applicant income
285Loans originated
36Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 681 | 460 | 10.0% | 6.63% | #82 |
| 2024 | 338 | 250 | 7.7% | 6.75% | #125 |
| 2025 | 399 | 285 | 9.0% | 6.75% | #131 |
What Cardinal Financial Company, Limited Partnership lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 250 | 180 | 24 | 9.6% |
| Pima County | 47 | 35 | 4 | 8.5% |
| Pinal County | 31 | 25 | 3 | 9.7% |
| Yavapai County | 17 | 13 | 1 | 5.9% |
| Mohave County | 16 | 7 | 3 | 18.8% |
| Cochise County | 8 | 6 | 0 | 0.0% |
| Navajo County | 7 | 6 | 0 | 0.0% |
| Coconino County | 4 | 2 | 0 | 0.0% |
| Graham County | 3 | 1 | 0 | 0.0% |
| Gila County | 3 | 2 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 399 applications in 2025, of which 285 were originated and 36 denied.
9.0% of all applications, or 9.8% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Arizona in 2025 was 6.75%, 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 Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology