Lenders › Cardinal Financial Company, Li › Georgia
Cardinal Financial Company, Li in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Cardinal Financial Company, Li's 2024 HMDA record for Georgia covers 801 applications, 510 of them originated, worth $134m.
Its denial rate in the state was 15.0%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 10.1%.
The median rate spread on its Georgia originations was 0.6 percentage points (state median 0.4).
Applications in the state were down 51% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Cardinal Financial Company, Li, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.0% | 26.9% | 10.1% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.3% | 17.5% | 13.5% | 15.6% |
| Average originated loan | $263k | $313k | $299k | $329k |
| Home purchase share | 76.3% | 57.0% | 82.0% | 57.0% |
| FHA-insured share | 48.2% | 18.3% | 39.3% | 13.4% |
| VA-guaranteed share | 17.1% | 11.6% | 9.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 76% (389)Refinancing 5% (28)Cash-out refinancing 14% (73)Other purpose 4% (20)
By type
Conventional 33% (170)FHA 48% (246)VA 17% (87)USDA 1% (7)
Denial reasons as coded
Share of 110 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Columbia County | 49 | 37 | $12m | 4.3% |
| Fulton County | 52 | 30 | $8.8m | 14.3% |
| Gwinnett County | 45 | 30 | $9.9m | 19.5% |
| Richmond County | 37 | 29 | $5.4m | 0.0% |
| Clayton County | 38 | 24 | $5.1m | 11.8% |
| Henry County | 43 | 23 | $5.0m | 21.6% |
| Cobb County | 44 | 21 | $6.4m | 19.5% |
| DeKalb County | 39 | 20 | $5.6m | 28.6% |
| Paulding County | 25 | 20 | $5.4m | 8.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Cardinal Financial Company, Li originate in Georgia in 2024?
510 loans totalling $134m, from 801 applications reported for properties in Georgia.
What is Cardinal Financial Company, Li's denial rate in Georgia?
15.0% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 10.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Georgia counties does Cardinal Financial Company, Li lend in most?
By originations: Columbia County (37), Fulton County (30), Gwinnett County (30), Richmond County (29), Clayton County (24).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.