What loan types does Cardinal Financial Company offer?

Cardinal Financial Company offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Cardinal Financial Company offer mortgages?

Cardinal Financial Company is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Cardinal Financial Company's mortgage rates?

Cardinal Financial Company has an overall pricing score of 25.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Cardinal Financial Company?

Cardinal Financial Company is a Independent Mortgage Company headquartered in Sacramento, PA.

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Cardinal Financial Company

Independent Mortgage Company•Sacramento, PAHQ•Direct & Wholesale•Reviews near you on Google

Cardinal Financial Company's 11.7k closed loans and 16k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+46.7 bps above market avg

2/5

Pull Through

Closing strength

Exceptional

Top 20% of lenders

5/5

By Loan Product· Specialization by type

Conventional

5,420 loans · 0.45% above market

Exceptional

Top 20% of lenders

5/5

FHA

4,893 loans · 0.60% above market

Exceptional

Top 10% of lenders

5/5

1,164 loans · 0.05% below market

Exceptional

Top 20% of lenders

5/5

Jumbo

104 loans · 0.35% above market

Strong

Top 40% of lenders

4/5

USDA

108 loans · 0.65% above market

Exceptional

Top 20% of lenders

5/5

By Loan Purpose· Transaction purpose mix

Purchase

9,856 loans · 0.53% above market

Exceptional

Top 20% of lenders

5/5

Refinance

1,833 loans · 0.19% above market

Exceptional

Top 20% of lenders

5/5

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	5,420	46.4%	+0.451%Above	$3,654Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	4,893	41.9%	+0.603%Above	$3,230Fees
VA Loans	Strong	Exceptional	Acceptable	Strong	1,164	10.0%	-0.052%Below	$3,581Fees
Jumbo Loans	Strong	Strong	Sound	Strong	104	0.9%	+0.354%Above	$2,401Fees
USDA Loans	Strong	Exceptional	Acceptable	Strong	108	0.9%	+0.651%Above	$1,916Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume5,420

Mix46.4%

Spread

+0.451%Above

Fees

$3,654Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,893

Mix41.9%

Spread

+0.603%Above

Fees

$3,230Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,164

Mix10.0%

Spread

-0.052%Below

Fees

$3,581Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume104

Mix0.9%

Spread

+0.354%Above

Fees

$2,401Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume108

Mix0.9%

Spread

+0.651%Above

Fees

$1,916Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	9,856	84.3%	+0.525%Above	$3,552Fees
Refinance	Strong	Exceptional	Sound	Strong	1,833	15.7%	+0.187%Above	$3,069Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume9,856

Mix84.3%

Spread

+0.525%Above

Fees

$3,552Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,833

Mix15.7%

Spread

+0.187%Above

Fees

$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

markets with activity

States Served

Includes Washington, DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

51Full-year 2024 · HMDANationwide · all 50 states and DC

Loans originated

< 2020–100100–200200–500500+None

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© OceanGunfish · CC BY 4.0

Elkhart, INMetro

Volume 270Mix 2.31% of portfolio

97/100

Exceptional

2© Infrogmation of New Orleans · CC BY 2.0

Santa Fe, NMMetro

Volume 60Mix 0.51% of portfolio

86/100

Exceptional

South Bend, IN-MIMetro

Volume 209Mix 1.79% of portfolio

84/100

Exceptional

Fort Worth, TXMetro

Volume 442Mix 3.78% of portfolio

83/100

Exceptional

Nassau County, NYMetro

Volume 495Mix 4.23% of portfolio

83/100

Exceptional

Tampa, FLMetro

Volume 338Mix 2.89% of portfolio

77/100

Strong

Las Vegas, NVMetro

Volume 236Mix 2.02% of portfolio

75/100

Strong

Dallas, TXMetro

Volume 368Mix 3.15% of portfolio

74/100

Strong

Lubbock, TXMetro

Volume 154Mix 1.32% of portfolio

74/100

Strong

New York, NY-NJMetro

Volume 327Mix 2.80% of portfolio

74/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TexasState

Volume 2,225Mix 19.03% of portfolio

84/100

Exceptional

New YorkState

Volume 870Mix 7.44% of portfolio

80/100

Strong

FloridaState

Volume 1,310Mix 11.21% of portfolio

77/100

Strong

IndianaState

Volume 641Mix 5.48% of portfolio

76/100

Strong

NevadaState

Volume 279Mix 2.39% of portfolio

75/100

Strong

TennesseeState

Volume 418Mix 3.58% of portfolio

73/100

Strong

WisconsinState

Volume 364Mix 3.11% of portfolio

73/100

Strong

New JerseyState

Volume 336Mix 2.87% of portfolio

73/100

Strong

VirginiaState

Volume 355Mix 3.04% of portfolio

72/100

Strong

MinnesotaState

Volume 347Mix 2.97% of portfolio

71/100

Strong

Showing 10 of 45 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.