Cardinal Financial Company, Limited Partnership in Illinois vs the state
10.6%Denial rate-6.57 pts vs state
11.4%Decision denial rate-10.31 pts vs state
69.1%Origination rate+10.35 pts vs state
6.63%Median rate-0.13 pts vs state
0.53Rate spread (pts)+0.15 pts vs state
$118kMedian applicant income
190Loans originated
29Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 514 | 348 | 11.1% | 6.75% | #109 |
| 2024 | 420 | 266 | 15.5% | 6.88% | #135 |
| 2025 | 275 | 190 | 10.6% | 6.63% | #206 |
What Cardinal Financial Company, Limited Partnership lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 93 | 59 | 18 | 19.4% |
| Will County | 36 | 23 | 5 | 13.9% |
| Lake County | 27 | 18 | 1 | 3.7% |
| DuPage County | 24 | 19 | 0 | 0.0% |
| McHenry County | 17 | 15 | 0 | 0.0% |
| Kane County | 14 | 13 | 0 | 0.0% |
| Rock Island County | 10 | 8 | 2 | 20.0% |
| Winnebago County | 10 | 6 | 0 | 0.0% |
| St. Clair County | 5 | 2 | 0 | 0.0% |
| Kendall County | 5 | 4 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 275 applications in 2025, of which 190 were originated and 29 denied.
10.6% of all applications, or 11.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Cardinal Financial Company, Limited Partnership's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology