Cardinal Financial Company, Limited Partnership in Maryland vs the state
13.6%Denial rate-5.18 pts vs state
14.8%Decision denial rate-9.29 pts vs state
59.9%Origination rate+4.15 pts vs state
6.50%Median rate-0.13 pts vs state
0.39Rate spread (pts)+0.14 pts vs state
$111kMedian applicant income
167Loans originated
38Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 568 | 313 | 15.9% | 6.63% | #70 |
| 2024 | 292 | 165 | 14.0% | 6.63% | #115 |
| 2025 | 279 | 167 | 13.6% | 6.50% | #131 |
What Cardinal Financial Company, Limited Partnership lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 46 | 24 | 10 | 21.7% |
| Baltimore city | 36 | 23 | 4 | 11.1% |
| Baltimore County | 34 | 19 | 4 | 11.8% |
| Montgomery County | 27 | 11 | 5 | 18.5% |
| Anne Arundel County | 23 | 18 | 2 | 8.7% |
| Frederick County | 18 | 12 | 2 | 11.1% |
| Harford County | 16 | 9 | 2 | 12.5% |
| Charles County | 11 | 4 | 5 | 45.5% |
| Carroll County | 11 | 7 | 1 | 9.1% |
| Washington County | 11 | 7 | 1 | 9.1% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 279 applications in 2025, of which 167 were originated and 38 denied.
13.6% of all applications, or 14.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Maryland in 2025 was 6.50%, 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology