CARDINAL CREDIT UNION, INC.
CARDINAL CREDIT UNION, INC. received 374 applications in 2025 and made 127 mortgages, in 16 counties across 5 states. The median rate its borrowers got was 7.425% on a median loan of $105,000. Of 182 decisions, 53 were denials — 29.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BY8DZPEK4ZR022 |
|---|---|
| Applications received | 374 |
| Mortgages made | 127 |
| Denied | 53 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 192 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.026 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 32 | 6.750% | $205,000 | 32.7% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 27 | 7.025% | $135,000 | 17.7% |
| Other purposes | 62 | 9.740% | $45,000 | 31.1% |
Where CARDINAL CREDIT UNION, INC. lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lake County, OH | 79 | 7.400% | 29.0% |
| Cuyahoga County, OH | 18 | 7.400% | 35.7% |
| Ashtabula County, OH | 15 | 7.850% | 16.7% |
| Mahoning County, OH | 7 | Under 10 loans | 22.2% |
| Geauga County, OH | 5 | Under 10 loans | 37.5% |
| Columbiana County, OH | 1 | Under 10 loans | 0.0% |
| Lorain County, OH | 1 | Under 10 loans | 0.0% |
| Summit County, OH | 1 | Under 10 loans | 50.0% |
| Charlotte County, FL | 0 | Under 10 loans | Not published |
| Duval County, FL | 0 | Under 10 loans | Not published |
| Palm Beach County, FL | 0 | Under 10 loans | Not published |
| Brunswick County, NC | 0 | Under 10 loans | Not published |
| Portage County, OH | 0 | Under 10 loans | Not published |
| Trumbull County, OH | 0 | Under 10 loans | 100.0% |
| Spartanburg County, SC | 0 | Under 10 loans | Not published |
| Harris County, TX | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.