Cardinal Financial Company, Limited Partnership in Vermont vs the state
22.2%Denial rate+7.40 pts vs state
22.2%Decision denial rate+4.15 pts vs state
66.7%Origination rate+1.80 pts vs state
8.19%Median rate+1.48 pts vs state
2.53Rate spread (pts)+2.40 pts vs state
$78kMedian applicant income
6Loans originated
2Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 8 | 15.4% | 6.81% | #93 |
| 2024 | 9 | 5 | 22.2% | 7.25% | #111 |
| 2025 | 9 | 6 | 22.2% | 8.19% | #111 |
What Cardinal Financial Company, Limited Partnership lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 2 | 2 | 0 | 0.0% |
| Bennington County | 2 | 1 | 1 | 50.0% |
| Chittenden County | 2 | 2 | 0 | 0.0% |
| Addison County | 1 | 0 | 1 | 100.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Mascoma Bank | B | 717 | 16.5% | 6.75% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
Frequently asked questions
Vermont: 9 applications in 2025, of which 6 were originated and 2 denied.
22.2% of all applications, or 22.2% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Vermont in 2025 was 8.19%, against a statewide median of 6.71%.
About this data. Figures are Cardinal Financial Company, Limited Partnership's own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology