Cardinal Financial Company, Limited Partnership in Oregon vs the state
14.3%Denial rate-1.02 pts vs state
15.3%Decision denial rate-3.88 pts vs state
68.8%Origination rate+8.21 pts vs state
6.38%Median rate-0.38 pts vs state
0.29Rate spread (pts)+0.01 pts vs state
$96kMedian applicant income
53Loans originated
11Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 163 | 111 | 6.8% | 6.50% | #121 |
| 2024 | 113 | 72 | 16.8% | 6.75% | #151 |
| 2025 | 77 | 53 | 14.3% | 6.38% | #185 |
What Cardinal Financial Company, Limited Partnership lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 17 | 11 | 3 | 17.6% |
| Washington County | 15 | 11 | 3 | 20.0% |
| Marion County | 9 | 7 | 2 | 22.2% |
| Lane County | 4 | 3 | 0 | 0.0% |
| Deschutes County | 4 | 3 | 0 | 0.0% |
| Klamath County | 4 | 3 | 0 | 0.0% |
| Josephine County | 2 | 0 | 1 | 50.0% |
| Clackamas County | 2 | 2 | 0 | 0.0% |
| Baker County | 2 | 2 | 0 | 0.0% |
| Benton County | 2 | 1 | 1 | 50.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 77 applications in 2025, of which 53 were originated and 11 denied.
14.3% of all applications, or 15.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Oregon in 2025 was 6.38%, 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 Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology