Cardinal Financial Company, Limited Partnership in Ohio vs the state
15.5%Denial rate-2.20 pts vs state
16.9%Decision denial rate-5.04 pts vs state
59.9%Origination rate+0.03 pts vs state
6.75%Median rate-0.13 pts vs state
0.86Rate spread (pts)+0.47 pts vs state
$91kMedian applicant income
178Loans originated
46Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 430 | 269 | 10.7% | 6.63% | #127 |
| 2024 | 236 | 143 | 11.0% | 6.75% | #196 |
| 2025 | 297 | 178 | 15.5% | 6.75% | #193 |
What Cardinal Financial Company, Limited Partnership lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 42 | 27 | 7 | 16.7% |
| Cuyahoga County | 25 | 17 | 3 | 12.0% |
| Butler County | 19 | 12 | 3 | 15.8% |
| Lorain County | 14 | 8 | 1 | 7.1% |
| Hamilton County | 11 | 4 | 4 | 36.4% |
| Summit County | 11 | 4 | 4 | 36.4% |
| Franklin County | 9 | 7 | 1 | 11.1% |
| Fairfield County | 9 | 6 | 0 | 0.0% |
| Warren County | 8 | 7 | 1 | 12.5% |
| Stark County | 8 | 6 | 1 | 12.5% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 297 applications in 2025, of which 178 were originated and 46 denied.
15.5% of all applications, or 16.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Cardinal Financial Company, Limited Partnership's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology