Cardinal Financial Company, Limited Partnership in Florida vs the state
11.5%Denial rate-9.53 pts vs state
12.3%Decision denial rate-14.95 pts vs state
66.4%Origination rate+13.69 pts vs state
6.25%Median rate-0.38 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$98kMedian applicant income
1,232Loans originated
214Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,923 | 4,073 | 10.3% | 6.63% | #37 |
| 2024 | 2,546 | 1,700 | 12.1% | 6.50% | #74 |
| 2025 | 1,856 | 1,232 | 11.5% | 6.25% | #97 |
What Cardinal Financial Company, Limited Partnership lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 207 | 146 | 23 | 11.1% |
| Polk County | 201 | 146 | 32 | 15.9% |
| Pasco County | 191 | 130 | 18 | 9.4% |
| Duval County | 136 | 92 | 13 | 9.6% |
| Manatee County | 95 | 72 | 8 | 8.4% |
| Pinellas County | 88 | 55 | 12 | 13.6% |
| Lee County | 58 | 41 | 6 | 10.3% |
| Volusia County | 57 | 39 | 4 | 7.0% |
| Broward County | 53 | 23 | 9 | 17.0% |
| Palm Beach County | 47 | 34 | 3 | 6.4% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,856 applications in 2025, of which 1,232 were originated and 214 denied.
11.5% of all applications, or 12.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology