Cardinal Financial Company, Limited Partnership in Kansas vs the state
10.5%Denial rate-4.50 pts vs state
10.7%Decision denial rate-7.57 pts vs state
64.9%Origination rate+1.09 pts vs state
6.75%Median rate+0.13 pts vs state
1.05Rate spread (pts)+0.75 pts vs state
$65kMedian applicant income
37Loans originated
6Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 45 | 14.5% | 6.25% | #178 |
| 2024 | 34 | 26 | 2.9% | 6.75% | #239 |
| 2025 | 57 | 37 | 10.5% | 6.75% | #215 |
What Cardinal Financial Company, Limited Partnership lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 9 | 5 | 3 | 33.3% |
| Wyandotte County | 9 | 6 | 0 | 0.0% |
| Johnson County | 8 | 4 | 2 | 25.0% |
| Linn County | 3 | 3 | 0 | 0.0% |
| Butler County | 3 | 2 | 0 | 0.0% |
| Harvey County | 2 | 0 | 0 | 0.0% |
| Crawford County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Cowley County | 2 | 2 | 0 | 0.0% |
| Riley County | 2 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 57 applications in 2025, of which 37 were originated and 6 denied.
10.5% of all applications, or 10.7% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Kansas in 2025 was 6.75%, 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 Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology