Cardinal Financial Company, Limited Partnership in Georgia vs the state
15.9%Denial rate-3.36 pts vs state
17.1%Decision denial rate-7.98 pts vs state
63.6%Origination rate+9.50 pts vs state
6.63%Median rate0.00 pts vs state
0.56Rate spread (pts)+0.29 pts vs state
$85kMedian applicant income
461Loans originated
115Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,624 | 1,042 | 12.6% | 6.63% | #54 |
| 2024 | 801 | 510 | 13.7% | 6.75% | #100 |
| 2025 | 725 | 461 | 15.9% | 6.63% | #116 |
What Cardinal Financial Company, Limited Partnership lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 49 | 31 | 6 | 12.2% |
| DeKalb County | 48 | 34 | 6 | 12.5% |
| Gwinnett County | 45 | 30 | 7 | 15.6% |
| Cobb County | 44 | 27 | 5 | 11.4% |
| Richmond County | 31 | 16 | 7 | 22.6% |
| Columbia County | 28 | 22 | 2 | 7.1% |
| Paulding County | 25 | 20 | 4 | 16.0% |
| Clayton County | 21 | 13 | 6 | 28.6% |
| Henry County | 17 | 10 | 3 | 17.6% |
| Douglas County | 17 | 12 | 4 | 23.5% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 725 applications in 2025, of which 461 were originated and 115 denied.
15.9% of all applications, or 17.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Georgia in 2025 was 6.63%, 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology