Cardinal Financial Company, Limited Partnership in Missouri vs the state
9.5%Denial rate-5.61 pts vs state
10.2%Decision denial rate-8.51 pts vs state
72.2%Origination rate+9.55 pts vs state
6.63%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.14 pts vs state
$79kMedian applicant income
252Loans originated
33Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 611 | 461 | 7.4% | 6.75% | #65 |
| 2024 | 397 | 319 | 6.3% | 6.75% | #98 |
| 2025 | 349 | 252 | 9.5% | 6.63% | #123 |
What Cardinal Financial Company, Limited Partnership lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 61 | 52 | 4 | 6.6% |
| Taney County | 32 | 25 | 2 | 6.3% |
| Jefferson County | 29 | 15 | 7 | 24.1% |
| St. Louis County | 26 | 19 | 1 | 3.8% |
| Greene County | 24 | 21 | 0 | 0.0% |
| Christian County | 13 | 10 | 0 | 0.0% |
| Stone County | 13 | 12 | 0 | 0.0% |
| St. Charles County | 10 | 7 | 0 | 0.0% |
| Lawrence County | 9 | 5 | 0 | 0.0% |
| Franklin County | 8 | 2 | 3 | 37.5% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 349 applications in 2025, of which 252 were originated and 33 denied.
9.5% of all applications, or 10.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Missouri in 2025 was 6.63%, 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology