Cardinal Financial Company, Limited Partnership in Pennsylvania vs the state
9.2%Denial rate-9.05 pts vs state
9.9%Decision denial rate-12.36 pts vs state
71.7%Origination rate+10.70 pts vs state
6.63%Median rate0.00 pts vs state
0.53Rate spread (pts)+0.29 pts vs state
$90kMedian applicant income
450Loans originated
58Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 888 | 629 | 9.8% | 6.63% | #88 |
| 2024 | 550 | 381 | 9.1% | 6.63% | #134 |
| 2025 | 628 | 450 | 9.2% | 6.63% | #134 |
What Cardinal Financial Company, Limited Partnership lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 124 | 75 | 13 | 10.5% |
| Lehigh County | 76 | 65 | 6 | 7.9% |
| Northampton County | 47 | 40 | 1 | 2.1% |
| Delaware County | 33 | 24 | 3 | 9.1% |
| Allegheny County | 32 | 17 | 8 | 25.0% |
| Montgomery County | 24 | 14 | 2 | 8.3% |
| Chester County | 23 | 15 | 4 | 17.4% |
| Luzerne County | 23 | 19 | 1 | 4.3% |
| Bucks County | 22 | 18 | 2 | 9.1% |
| York County | 20 | 15 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 628 applications in 2025, of which 450 were originated and 58 denied.
9.2% of all applications, or 9.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Pennsylvania in 2025 was 6.63%, 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology