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CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
Independent Mortgage Company|Sacramento, PA|National
Loans Originated
11,689
Applications
16,061
Volume
$4 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.467%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,469
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.8%
Percentage of applications that result in closed loans
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
Report Card
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$344,991
Average Borrower Income
$129,537
Average Property Value
$414,660
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 5,420 | 46.4% | +0.451% | $3,654 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 4,893 | 41.9% | +0.603% | $3,230 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 1,164 | 10.0% | -0.052% | $3,581 |
Jumbo Loans | Strong | Strong | Sound | Strong | 104 | 0.9% | +0.354% | $2,401 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 108 | 0.9% | +0.651% | $1,916 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 9,856 | 84.3% | +0.525% | $3,552 |
Refinance | Strong | Exceptional | Sound | Strong | 1,833 | 15.7% | +0.187% | $3,069 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Elkhart, INMSA
Volume: 270Mix: 2.31%
Place Specialization
Exceptional
2
Santa Fe, NM, NMMSA
Volume: 60Mix: 0.51%
Place Specialization
Exceptional
3
South Bend, IN-MIMSA
Volume: 209Mix: 1.79%
Place Specialization
Exceptional
4
Fort Worth, TXMSA
Volume: 442Mix: 3.78%
Place Specialization
Exceptional
5
Nassau County, NYMSA
Volume: 495Mix: 4.23%
Place Specialization
Exceptional
6
Tampa, FL, FLMSA
Volume: 338Mix: 2.89%
Place Specialization
Strong
7
Las Vegas, NVMSA
Volume: 236Mix: 2.02%
Place Specialization
Strong
8
Dallas, TXMSA
Volume: 368Mix: 3.15%
Place Specialization
Strong
9
Lubbock, TX, TXMSA
Volume: 154Mix: 1.32%
Place Specialization
Strong
10
New York, NY-NJMSA
Volume: 327Mix: 2.80%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 2,225Mix: 19.03%
Place Specialization
Exceptional
2
NYState
Volume: 870Mix: 7.44%
Place Specialization
Strong
3
FLState
Volume: 1,310Mix: 11.21%
Place Specialization
Strong
4
INState
Volume: 641Mix: 5.48%
Place Specialization
Strong
5
NVState
Volume: 279Mix: 2.39%
Place Specialization
Strong
6
TNState
Volume: 418Mix: 3.58%
Place Specialization
Strong
7
WIState
Volume: 364Mix: 3.11%
Place Specialization
Strong
8
NJState
Volume: 336Mix: 2.87%
Place Specialization
Strong
9
VAState
Volume: 355Mix: 3.04%
Place Specialization
Strong
10
MNState
Volume: 347Mix: 2.97%
Place Specialization
Strong
Showing 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.
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