Cardinal Financial Company, Limited Partnership in Colorado vs the state
14.9%Denial rate-0.77 pts vs state
15.5%Decision denial rate-4.17 pts vs state
67.6%Origination rate+7.55 pts vs state
6.25%Median rate-0.38 pts vs state
0.04Rate spread (pts)-0.11 pts vs state
$133kMedian applicant income
100Loans originated
22Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 457 | 318 | 11.4% | 6.63% | #103 |
| 2024 | 146 | 101 | 13.0% | 6.56% | #188 |
| 2025 | 148 | 100 | 14.9% | 6.25% | #202 |
What Cardinal Financial Company, Limited Partnership lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 27 | 21 | 1 | 3.7% |
| Jefferson County | 16 | 13 | 2 | 12.5% |
| Arapahoe County | 13 | 9 | 1 | 7.7% |
| Weld County | 13 | 7 | 3 | 23.1% |
| Denver County | 12 | 7 | 2 | 16.7% |
| Pueblo County | 9 | 8 | 1 | 11.1% |
| Larimer County | 7 | 4 | 0 | 0.0% |
| Delta County | 7 | 6 | 1 | 14.3% |
| Mesa County | 5 | 4 | 1 | 20.0% |
| Adams County | 5 | 3 | 1 | 20.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 148 applications in 2025, of which 100 were originated and 22 denied.
14.9% of all applications, or 15.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Colorado in 2025 was 6.25%, 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 Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology