Cardinal Financial Company, Limited Partnership in Wisconsin vs the state
10.3%Denial rate-3.67 pts vs state
10.7%Decision denial rate-5.68 pts vs state
80.5%Origination rate+12.30 pts vs state
6.75%Median rate+0.13 pts vs state
0.59Rate spread (pts)+0.47 pts vs state
$83kMedian applicant income
498Loans originated
64Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 658 | 520 | 8.1% | 6.75% | #57 |
| 2024 | 608 | 507 | 6.3% | 6.88% | #70 |
| 2025 | 619 | 498 | 10.3% | 6.75% | #76 |
What Cardinal Financial Company, Limited Partnership lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 95 | 74 | 10 | 10.5% |
| Jefferson County | 45 | 40 | 3 | 6.7% |
| Rock County | 42 | 32 | 6 | 14.3% |
| Waukesha County | 31 | 26 | 4 | 12.9% |
| Brown County | 28 | 23 | 3 | 10.7% |
| Racine County | 27 | 20 | 0 | 0.0% |
| Outagamie County | 26 | 25 | 1 | 3.8% |
| Washington County | 21 | 19 | 1 | 4.8% |
| Winnebago County | 20 | 19 | 1 | 5.0% |
| Waupaca County | 15 | 13 | 2 | 13.3% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 619 applications in 2025, of which 498 were originated and 64 denied.
10.3% of all applications, or 10.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Wisconsin in 2025 was 6.75%, 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 Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology