Cardinal Financial Company, Limited Partnership in Texas vs the state
9.2%Denial rate-10.27 pts vs state
9.8%Decision denial rate-15.09 pts vs state
72.5%Origination rate+17.61 pts vs state
6.63%Median rate+0.13 pts vs state
0.52Rate spread (pts)+0.33 pts vs state
$104kMedian applicant income
2,216Loans originated
280Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,563 | 5,762 | 6.1% | 6.63% | #27 |
| 2024 | 4,051 | 3,028 | 8.0% | 6.75% | #46 |
| 2025 | 3,057 | 2,216 | 9.2% | 6.63% | #60 |
What Cardinal Financial Company, Limited Partnership lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 270 | 208 | 24 | 8.9% |
| Harris County | 270 | 186 | 33 | 12.2% |
| Lubbock County | 254 | 188 | 16 | 6.3% |
| Ector County | 210 | 174 | 5 | 2.4% |
| Dallas County | 197 | 141 | 25 | 12.7% |
| Bexar County | 124 | 93 | 10 | 8.1% |
| Midland County | 109 | 95 | 3 | 2.8% |
| Denton County | 72 | 51 | 5 | 6.9% |
| Hood County | 72 | 59 | 1 | 1.4% |
| Parker County | 68 | 56 | 3 | 4.4% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 3,057 applications in 2025, of which 2,216 were originated and 280 denied.
9.2% of all applications, or 9.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Cardinal Financial Company, Limited Partnership's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology