Cardinal Financial Company, Limited Partnership in Kentucky vs the state
12.5%Denial rate-6.31 pts vs state
13.5%Decision denial rate-9.98 pts vs state
64.2%Origination rate+6.13 pts vs state
6.50%Median rate-0.25 pts vs state
0.94Rate spread (pts)+0.63 pts vs state
$78kMedian applicant income
77Loans originated
15Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 282 | 169 | 12.4% | 6.25% | #98 |
| 2024 | 111 | 77 | 6.3% | 6.75% | #179 |
| 2025 | 120 | 77 | 12.5% | 6.50% | #190 |
What Cardinal Financial Company, Limited Partnership lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 13 | 10 | 1 | 7.7% |
| Shelby County | 7 | 2 | 2 | 28.6% |
| Greenup County | 5 | 2 | 0 | 0.0% |
| Laurel County | 5 | 4 | 0 | 0.0% |
| Campbell County | 5 | 4 | 0 | 0.0% |
| Scott County | 4 | 3 | 0 | 0.0% |
| Boone County | 4 | 3 | 1 | 25.0% |
| Fayette County | 4 | 3 | 0 | 0.0% |
| Daviess County | 4 | 3 | 1 | 25.0% |
| Bullitt County | 3 | 1 | 1 | 33.3% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 120 applications in 2025, of which 77 were originated and 15 denied.
12.5% of all applications, or 13.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Kentucky in 2025 was 6.50%, 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 Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology