Cardinal Financial Company, Limited Partnership in New Jersey vs the state
12.0%Denial rate-5.67 pts vs state
12.6%Decision denial rate-10.48 pts vs state
70.5%Origination rate+14.81 pts vs state
6.75%Median rate0.00 pts vs state
0.74Rate spread (pts)+0.46 pts vs state
$115kMedian applicant income
258Loans originated
44Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 866 | 556 | 13.6% | 6.75% | #62 |
| 2024 | 608 | 394 | 10.4% | 6.75% | #94 |
| 2025 | 366 | 258 | 12.0% | 6.75% | #142 |
What Cardinal Financial Company, Limited Partnership lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 90 | 82 | 3 | 3.3% |
| Camden County | 35 | 24 | 3 | 8.6% |
| Essex County | 32 | 16 | 6 | 18.8% |
| Gloucester County | 21 | 16 | 1 | 4.8% |
| Bergen County | 20 | 11 | 3 | 15.0% |
| Middlesex County | 19 | 11 | 4 | 21.1% |
| Ocean County | 19 | 14 | 1 | 5.3% |
| Monmouth County | 17 | 12 | 2 | 11.8% |
| Mercer County | 13 | 9 | 2 | 15.4% |
| Burlington County | 13 | 8 | 2 | 15.4% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 366 applications in 2025, of which 258 were originated and 44 denied.
12.0% of all applications, or 12.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in New Jersey in 2025 was 6.75%, 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 New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology