Cardinal Financial Company, Limited Partnership in Utah vs the state
14.0%Denial rate-1.96 pts vs state
14.6%Decision denial rate-4.60 pts vs state
68.0%Origination rate+4.76 pts vs state
6.44%Median rate-0.19 pts vs state
0.17Rate spread (pts)-0.07 pts vs state
$116kMedian applicant income
34Loans originated
7Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 663 | 516 | 5.7% | 6.63% | #40 |
| 2024 | 105 | 77 | 6.7% | 6.50% | #126 |
| 2025 | 50 | 34 | 14.0% | 6.44% | #171 |
What Cardinal Financial Company, Limited Partnership lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 16 | 11 | 3 | 18.8% |
| Utah County | 13 | 9 | 2 | 15.4% |
| Davis County | 6 | 4 | 1 | 16.7% |
| Washington County | 3 | 1 | 1 | 33.3% |
| Cache County | 2 | 2 | 0 | 0.0% |
| Tooele County | 2 | 2 | 0 | 0.0% |
| Iron County | 2 | 2 | 0 | 0.0% |
| Weber County | 2 | 1 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| Wasatch County | 1 | 0 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 50 applications in 2025, of which 34 were originated and 7 denied.
14.0% of all applications, or 14.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Utah in 2025 was 6.44%, 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology