# CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP

> **Canonical URL:** https://saferate.com/lenders/cardinal-financial-company-limited-partnership


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP is a independent mortgage company, headquartered in Sacramento, PA, serving borrowers nationwide, with 11,689 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 13% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300VORTI31GZTJL53
- **Headquarters:** Sacramento, PA
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 76.8%
- **Brokered/Wholesale:** 23.2%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.467%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,469
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 11,689
- **Dollar Volume:** $4.0 billion
- **Applications Received:** 16,061
- **Market Share:** 33.00%

## Typical Borrower Profile

- **Average Loan Amount:** $344,991
- **Average Borrower Income:** $129,537
- **Average Property Value:** $414,660

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 87/100 | 5,420 | +0.451% | $3,654 | Exceptional 🤩 |
| FHA | 92/100 | 4,893 | +0.603% | $3,230 | Exceptional 🤩 |
| VA | 87/100 | 1,164 | -0.052% | $3,581 | Exceptional 🤩 |
| Jumbo | 78/100 | 104 | +0.354% | $2,401 | Strong 😀 |
| USDA | 85/100 | 108 | +0.651% | $1,916 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 4,517 loans, Score: 88/100 (Exceptional)
- Refinance: 903 loans, Score: 80/100 (Exceptional)

**FHA:**
- Purchase: 4,148 loans, Score: 92/100 (Exceptional)
- Refinance: 745 loans, Score: 86/100 (Exceptional)

**VA:**
- Purchase: 998 loans, Score: 84/100 (Exceptional)
- Refinance: 166 loans, Score: 83/100 (Exceptional)

**Jumbo:**
- Purchase: 86 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 107 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 90/100 | 9,856 | $3.4B | +0.525% | Exceptional 🤩 |
| Refinance | 84/100 | 1,833 | $623M | +0.187% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,225 | 0.64% | 84/100 |
| FL | 1,310 | 0.45% | 77/100 |
| NY | 870 | 0.77% | 80/100 |
| IN | 641 | 0.70% | 76/100 |
| NC | 476 | 0.32% | 70/100 |
| TN | 418 | 0.46% | 73/100 |
| GA | 383 | 0.28% | 70/100 |
| WI | 364 | 0.55% | 73/100 |
| VA | 355 | 0.33% | 72/100 |
| MN | 347 | 0.54% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,525 | 79/100 |
| Nassau County | NY | 495 | 83/100 |
| Fort Worth | TX | 442 | 83/100 |
| Houston | TX | 382 | 73/100 |
| Dallas | TX | 368 | 74/100 |
| Tampa, FL | FL | 338 | 77/100 |
| New York | NY-NJ | 327 | 74/100 |
| Minneapolis | MN-WI | 278 | 70/100 |
| Elkhart | IN | 270 | 97/100 |
| Las Vegas | NV | 236 | 75/100 |
| Jacksonville, FL | FL | 209 | 73/100 |
| South Bend | IN-MI | 209 | 84/100 |
| Atlanta | GA | 167 | 65/100 |
| Charlotte | NC-SC | 158 | 68/100 |
| Lubbock, TX | TX | 154 | 74/100 |

## Where This Lender Ranks

CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Elkhart Mortgage Companies
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Elkhart for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Elkhart for VA Loans
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Elkhart for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in South Bend for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Santa Fe, NM for FHA Loans
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Santa Fe, NM for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Nassau County for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#4** in South Bend Mortgage Companies
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Santa Fe, NM Mortgage Companies
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Santa Fe, NM for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Vineland, NJ Mortgage Companies
  - [View Full Rankings](https://saferate.com/vineland-nj/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Nassau County Mortgage Companies
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Elkhart for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in South Bend for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Santa Fe, NM
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders)
- 🏆 **#5** in Vineland, NJ
  - [View Full Rankings](https://saferate.com/vineland-nj/best-mortgage-lenders)
- 🏆 **#5** in Vineland, NJ for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/vineland-nj/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Nassau County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Elkhart
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP offer?

CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP offer mortgages?

CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP's mortgage rates?

CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.467% above market average.

### What type of lender is CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP?

CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, PA.

### What is CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP's loan approval success rate?

CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP has a pull-through score of 87/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cardinal-financial-company-limited-partnership

### How to Cite

> "CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cardinal-financial-company-limited-partnership

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