C
Cardinal Financial Company, Limited Partnership
Independent Mortgage Company•Sacramento, PA•Direct to Consumer
Cardinal Financial Company Limited Partnership's 11.7k closed loans and 16k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 49 mkts
Safe Rate Awards⭐Jumbo Superstar⭐Refinance Superstar
Shopping for a Mortgage?
Save Cardinal Financial Company Limited Partnership or ask our AI assistant to explore your options.
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Cardinal Financial Company, Limited Partnership performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +46.7 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 10% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 5,420 | 46.4% | +0.451%Above | $3,654Fees | ||||
FHA Loans | 4,893 | 41.9% | +0.603%Above | $3,230Fees | ||||
VA Loans | 1,164 | 10.0% | -0.052%Below | $3,581Fees | ||||
Jumbo Loans | 104 | 0.9% | +0.354%Above | $2,401Fees | ||||
USDA Loans | 108 | 0.9% | +0.651%Above | $1,916Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 9,856 | 84.3% | +0.525%Above | $3,552Fees | ||||
Refinance | 1,833 | 15.7% | +0.187%Above | $3,069Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
11,689
Applications
16,061
Volume
$4 billion
Pricing & Closing
Avg Rate Spread
+0.467%
vs. market APOR
Avg Net Fees
$3,469
Origination − Credits
Pullthrough Rate
72.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$344,991
Avg Borrower Income
$129,537
Avg Property Value
$414,660
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Elkhart, INMSA
Volume: 270Mix: 2.31%of portfolio
Place
Exceptional2
Santa Fe, NM, NMMSA
Volume: 60Mix: 0.51%of portfolio
Place
Exceptional3
South Bend, IN-MIMSA
Volume: 209Mix: 1.79%of portfolio
Place
Exceptional4
Fort Worth, TXMSA
Volume: 442Mix: 3.78%of portfolio
Place
Exceptional5
Nassau County, NYMSA
Volume: 495Mix: 4.23%of portfolio
Place
Exceptional6
Tampa, FL, FLMSA
Volume: 338Mix: 2.89%of portfolio
Place
Strong7
Las Vegas, NVMSA
Volume: 236Mix: 2.02%of portfolio
Place
Strong8
Dallas, TXMSA
Volume: 368Mix: 3.15%of portfolio
Place
Strong9
Lubbock, TX, TXMSA
Volume: 154Mix: 1.32%of portfolio
Place
Strong10
New York, NY-NJMSA
Volume: 327Mix: 2.80%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 2,225Mix: 19.03%of portfolio
Place
Exceptional2
NYState
Volume: 870Mix: 7.44%of portfolio
Place
Strong3
FLState
Volume: 1,310Mix: 11.21%of portfolio
Place
Strong4
INState
Volume: 641Mix: 5.48%of portfolio
Place
Strong5
NVState
Volume: 279Mix: 2.39%of portfolio
Place
Strong6
TNState
Volume: 418Mix: 3.58%of portfolio
Place
Strong7
WIState
Volume: 364Mix: 3.11%of portfolio
Place
Strong8
NJState
Volume: 336Mix: 2.87%of portfolio
Place
Strong9
VAState
Volume: 355Mix: 3.04%of portfolio
Place
Strong10
MNState
Volume: 347Mix: 2.97%of portfolio
Place
StrongShowing 10 of 45 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Cardinal Financial Company, Limited Partnership?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.