Cardinal Financial Company, Limited Partnership in Delaware vs the state
6.5%Denial rate-11.64 pts vs state
7.0%Decision denial rate-15.75 pts vs state
65.2%Origination rate+6.03 pts vs state
6.38%Median rate-0.25 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$90kMedian applicant income
30Loans originated
3Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 177 | 11.1% | 6.88% | #44 |
| 2024 | 169 | 119 | 3.6% | 6.75% | #53 |
| 2025 | 46 | 30 | 6.5% | 6.38% | #125 |
What Cardinal Financial Company, Limited Partnership lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 27 | 17 | 2 | 7.4% |
| Sussex County | 10 | 7 | 1 | 10.0% |
| Kent County | 9 | 6 | 0 | 0.0% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| Wilmington Savings Fund Society | B | 1,801 | 16.6% | 7.25% |
| Citizens Bank | C | 1,633 | 29.3% | 7.65% |
| PNC Bank | D | 1,492 | 25.1% | 7.50% |
| NVR Mortgage Finance | B | 1,414 | 18.7% | 6.63% |
| United Shore Financial Services | B | 1,408 | 13.0% | 6.13% |
| Pike Creek Mortgage Services | B | 1,383 | 2.2% | 6.38% |
| Manufacturers and Traders Trust | C | 1,337 | 32.5% | 5.99% |
| Newrez | D | 1,127 | 18.4% | 6.50% |
| Del-One Federal Credit Union | D | 1,070 | 41.3% | 7.00% |
Frequently asked questions
Delaware: 46 applications in 2025, of which 30 were originated and 3 denied.
6.5% of all applications, or 7.0% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Delaware in 2025 was 6.38%, 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 Delaware, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology