Cardinal Financial Company, Limited Partnership in Oklahoma vs the state
11.7%Denial rate-6.23 pts vs state
12.8%Decision denial rate-10.10 pts vs state
63.6%Origination rate+7.54 pts vs state
6.38%Median rate-0.25 pts vs state
0.68Rate spread (pts)+0.33 pts vs state
$84kMedian applicant income
98Loans originated
18Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 331 | 207 | 8.5% | 6.63% | #77 |
| 2024 | 206 | 125 | 15.1% | 6.75% | #111 |
| 2025 | 154 | 98 | 11.7% | 6.38% | #147 |
What Cardinal Financial Company, Limited Partnership lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 16 | 12 | 1 | 6.3% |
| Cleveland County | 14 | 10 | 2 | 14.3% |
| Oklahoma County | 12 | 7 | 2 | 16.7% |
| Wagoner County | 7 | 4 | 1 | 14.3% |
| Creek County | 6 | 2 | 0 | 0.0% |
| Logan County | 6 | 4 | 0 | 0.0% |
| Canadian County | 5 | 4 | 1 | 20.0% |
| Osage County | 5 | 2 | 0 | 0.0% |
| Rogers County | 5 | 3 | 1 | 20.0% |
| Comanche County | 4 | 3 | 1 | 25.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 154 applications in 2025, of which 98 were originated and 18 denied.
11.7% of all applications, or 12.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Oklahoma in 2025 was 6.38%, 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 Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology