Cardinal Financial Company, Limited Partnership in Iowa vs the state
6.7%Denial rate-6.21 pts vs state
6.9%Decision denial rate-8.42 pts vs state
83.0%Origination rate+14.49 pts vs state
7.25%Median rate+0.75 pts vs state
1.48Rate spread (pts)+1.29 pts vs state
$75kMedian applicant income
287Loans originated
23Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 184 | 8.7% | 6.69% | #71 |
| 2024 | 265 | 205 | 8.3% | 7.25% | #76 |
| 2025 | 346 | 287 | 6.7% | 7.25% | #64 |
What Cardinal Financial Company, Limited Partnership lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 46 | 38 | 2 | 4.3% |
| Cerro Gordo County | 22 | 21 | 0 | 0.0% |
| Pottawattamie County | 15 | 11 | 0 | 0.0% |
| Jasper County | 13 | 9 | 3 | 23.1% |
| Union County | 12 | 10 | 2 | 16.7% |
| Hardin County | 10 | 10 | 0 | 0.0% |
| Scott County | 9 | 8 | 1 | 11.1% |
| Mitchell County | 9 | 8 | 0 | 0.0% |
| Muscatine County | 8 | 6 | 2 | 25.0% |
| Black Hawk County | 8 | 7 | 1 | 12.5% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 346 applications in 2025, of which 287 were originated and 23 denied.
6.7% of all applications, or 6.9% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Iowa in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Cardinal Financial Company, Limited Partnership's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology