Cardinal Financial Company, Limited Partnership in California vs the state
11.7%Denial rate-5.74 pts vs state
12.7%Decision denial rate-9.68 pts vs state
63.0%Origination rate+6.84 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$146kMedian applicant income
232Loans originated
43Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,494 | 963 | 9.7% | 6.38% | #102 |
| 2024 | 509 | 349 | 12.4% | 6.75% | #242 |
| 2025 | 368 | 232 | 11.7% | 6.50% | #295 |
What Cardinal Financial Company, Limited Partnership lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 116 | 95 | 4 | 3.4% |
| Los Angeles County | 55 | 26 | 11 | 20.0% |
| Riverside County | 30 | 21 | 2 | 6.7% |
| San Bernardino County | 23 | 9 | 1 | 4.3% |
| Orange County | 16 | 9 | 3 | 18.8% |
| Sacramento County | 13 | 3 | 4 | 30.8% |
| Fresno County | 12 | 6 | 2 | 16.7% |
| San Joaquin County | 9 | 8 | 0 | 0.0% |
| Placer County | 7 | 4 | 2 | 28.6% |
| Contra Costa County | 7 | 2 | 1 | 14.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 368 applications in 2025, of which 232 were originated and 43 denied.
11.7% of all applications, or 12.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Cardinal Financial Company, Limited Partnership's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology