CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP

12,657 mortgages originated in 2025 across 32 states, and what they cost borrowers.

Loans originated

12,657

Median rate

6.625%

Median lender fees

$8,555

Median loan amount

$245,000

Median spread over APOR

0.546

Paid discount points

65.2%

Received lender credits

50.2%

Purchases / refinances

78.7% / 16.7%

Conventional / FHA / VA

54.3% / 38.4% / 6.8%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 96.4% of loans here — see methodology.

Where CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP lent

States with at least 50 loans in 2025, ranked by volume.