Cardinal Financial Company, Limited Partnership in Washington vs the state
8.7%Denial rate-6.93 pts vs state
9.5%Decision denial rate-10.04 pts vs state
70.6%Origination rate+9.58 pts vs state
6.50%Median rate-0.13 pts vs state
0.23Rate spread (pts)+0.05 pts vs state
$117kMedian applicant income
154Loans originated
19Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 987 | 726 | 7.2% | 6.75% | #56 |
| 2024 | 436 | 335 | 6.4% | 6.81% | #103 |
| 2025 | 218 | 154 | 8.7% | 6.50% | #183 |
What Cardinal Financial Company, Limited Partnership lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 71 | 57 | 6 | 8.5% |
| King County | 32 | 23 | 5 | 15.6% |
| Snohomish County | 23 | 18 | 1 | 4.3% |
| Benton County | 10 | 7 | 0 | 0.0% |
| Thurston County | 10 | 3 | 3 | 30.0% |
| Clark County | 9 | 7 | 0 | 0.0% |
| Pierce County | 8 | 5 | 0 | 0.0% |
| Cowlitz County | 7 | 4 | 0 | 0.0% |
| Yakima County | 5 | 4 | 0 | 0.0% |
| Mason County | 4 | 2 | 2 | 50.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 218 applications in 2025, of which 154 were originated and 19 denied.
8.7% of all applications, or 9.5% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Washington in 2025 was 6.50%, 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 Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology