Cardinal Financial Company, Limited Partnership in New York vs the state
11.6%Denial rate-8.15 pts vs state
12.1%Decision denial rate-11.95 pts vs state
69.6%Origination rate+10.02 pts vs state
6.75%Median rate+0.13 pts vs state
0.25Rate spread (pts)+0.04 pts vs state
$158kMedian applicant income
378Loans originated
63Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,745 | 1,222 | 10.6% | 6.75% | #47 |
| 2024 | 1,347 | 969 | 9.2% | 6.88% | #52 |
| 2025 | 543 | 378 | 11.6% | 6.75% | #127 |
What Cardinal Financial Company, Limited Partnership lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 212 | 174 | 14 | 6.6% |
| Nassau County | 74 | 59 | 5 | 6.8% |
| Queens County | 42 | 22 | 6 | 14.3% |
| Kings County | 36 | 14 | 16 | 44.4% |
| Rockland County | 30 | 15 | 5 | 16.7% |
| Richmond County | 23 | 17 | 2 | 8.7% |
| Orange County | 23 | 11 | 4 | 17.4% |
| Westchester County | 17 | 9 | 3 | 17.6% |
| Bronx County | 14 | 10 | 2 | 14.3% |
| Onondaga County | 9 | 7 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 543 applications in 2025, of which 378 were originated and 63 denied.
11.6% of all applications, or 12.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology