Lender in Texas · HMDA 2025
Cardinal Financial Company, Limited Partnership mortgages in Texas
Cardinal Financial Company, Limited Partnership's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Cardinal Financial Company, Limited Partnership originated 1,496 owner-occupied single-family loans in Texas from 1,885 completed applications.
Its median conventional purchase loan costs were $8,000 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.75% (Texas: 6.50%).
Loans in TX
1,496
of 1,885 applications
Denial rate
8.1%
Purchase · TX 10.2%
Rate spread
+0.33 pts
Conv. · TX +0.09 pts
Loan amount
$285,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,555 | 1,287 | 8.1% | 6.750% | +0.33 pts | $8,000 | $285,000 |
| Refinance | 188 | 114 | 16.0% | 6.500% | +0.01 pts | $7,270 | $315,000 |
| Cash-out refinance | 142 | 95 | 13.4% | 6.990% | +0.60 pts | $8,520 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Cardinal Financial Company, Limited Partnership ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Crosby County | 2 | 3 | 9.7% |
| Lynn County | 4 | 5 | 7.5% |
| Ector County | 5 | 114 | 5.3% |
| Terry County | 5 | 5 | 7.3% |
| Reeves County | 5 | 4 | 5.3% |
| Somervell County | 6 | 5 | 4.0% |
| Bailey County | 6 | 2 | 6.9% |
| Ward County | 8 | 4 | 4.2% |
| Lubbock County | 9 | 114 | 2.6% |
| Hood County | 9 | 38 | 2.9% |
| Young County | 9 | 4 | 2.6% |
| Gaines County | 11 | 5 | 1.9% |
| Dawson County | 11 | 2 | 3.0% |
| Jack County | 11 | 2 | 2.1% |
| Midland County | 12 | 60 | 1.8% |
| Garza County | 12 | 1 | 6.3% |
| Chambers County | 13 | 18 | 1.5% |
| Scurry County | 14 | 3 | 2.5% |
| Henderson County | 15 | 11 | 1.2% |
| Jackson County | 15 | 2 | 2.0% |
| Knox County | 15 | 1 | 4.8% |
| Cherokee County | 16 | 5 | 1.2% |
| Comanche County | 16 | 2 | 1.4% |
| Hockley County | 19 | 3 | 1.5% |
| Parker County | 20 | 41 | 1.1% |
| Hale County | 20 | 3 | 1.5% |
| Hansford County | 22 | 1 | 2.7% |
| Howard County | 23 | 3 | 1.1% |
| Palo Pinto County | 23 | 3 | 1.1% |
| Yoakum County | 24 | 1 | 2.0% |
- Cardinal Financial Company, Limited Partnership nationwide
- Texas mortgage market
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- Cardinal Financial Company, Limited Partnership in Tennessee
- Cardinal Financial Company, Limited Partnership in Pennsylvania
- Cardinal Financial Company, Limited Partnership in Wisconsin
- Cardinal Financial Company, Limited Partnership in Minnesota
- Cardinal Financial Company, Limited Partnership in New York
- Cardinal Financial Company, Limited Partnership in North Carolina
- Cardinal Financial Company, Limited Partnership in Georgia
- Cardinal Financial Company, Limited Partnership in Nevada
- Cardinal Financial Company, Limited Partnership in Virginia
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology