US Mortgage Intelligence

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Institution profile

CARDINAL FC LP

Mortgage company · ACTIVE

Verification status not yet publishedVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

679

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
20133
201413
201527
201645
201723
201825
201929
202068
2021119
2022105
202391
202470
202544
202617

Leading issues

  1. Trouble during payment process

    None

    187

  2. Applying for a mortgage or refinancing an existing mortgage

    None

    98

  3. Struggling to pay mortgage

    None

    78

  4. Closing on a mortgage

    None

    53

  5. Application, originator, mortgage broker

    None

    47

View all issues (39)

  1. Loan servicing, payments, escrow account

    None

    23

  2. Settlement process and costs

    None

    21

  3. Trouble during payment process

    Escrow, taxes, or insurance

    20

  4. Closing on a mortgage

    Closing disclosure or other related disclosures

    16

  5. Struggling to pay mortgage

    Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

    14

  6. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    13

  7. Closing on a mortgage

    Changes in loan terms during or after closing

    11

  8. Trouble during payment process

    Loan sold or transferred to another company

    8

  9. Applying for a mortgage or refinancing an existing mortgage

    Trying to communicate with the company to fix an issue with the application process

    7

  10. Credit decision / Underwriting

    None

    7

  11. Struggling to pay mortgage

    An existing modification, forbearance plan, short sale, or other loss mitigation relief

    7

  12. Struggling to pay mortgage

    Foreclosure

    6

  13. Applying for a mortgage or refinancing an existing mortgage

    Changes in loan terms during the application process

    5

  14. Applying for a mortgage or refinancing an existing mortgage

    Negative impact of inaccurate appraisal

    5

  15. Closing on a mortgage

    Fees or costs after closing

    5

  16. Trouble during payment process

    Private mortgage insurance (PMI)

    5

  17. Applying for a mortgage or refinancing an existing mortgage

    Delays in the application process

    4

  18. Closing on a mortgage

    Delays with the closing process

    4

  19. Trouble during payment process

    Payment process

    4

  20. Applying for a mortgage or refinancing an existing mortgage

    Application denials

    3

  21. Closing on a mortgage

    Trying to communicate with the company to fix an issue with the loan closing

    3

  22. Incorrect information on your report

    Account information incorrect

    3

  23. Incorrect information on your report

    Account status incorrect

    3

  24. Struggling to pay mortgage

    Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

    3

  25. Trouble during payment process

    Fees charged

    3

  26. Applying for a mortgage or refinancing an existing mortgage

    Confusing or misleading advertising or marketing

    2

  27. Applying for a mortgage or refinancing an existing mortgage

    Fees or costs during the application process

    2

  28. Improper use of your report

    Credit inquiries on your report that you don't recognize

    2

  29. Problem with a credit reporting company's investigation into an existing problem

    Their investigation did not fix an error on your report

    2

  30. Closing on a mortgage

    Setting up an escrow account for taxes and insurance

    1

  31. Loan modification,collection,foreclosure

    None

    1

  32. Problem with a credit reporting company's investigation into an existing problem

    Investigation took more than 30 days

    1

  33. Trouble during payment process

    Lien release

    1

  34. Trouble during payment process

    Paying off the loan

    1

States

  1. Texas

    97

  2. Florida

    92

  3. California

    68

  4. Georgia

    45

  5. North Carolina

    37

View all states (47)

  1. Virginia

    30

  2. New Jersey

    27

  3. Arizona

    26

  4. Maryland

    25

  5. Tennessee

    22

  6. New York

    21

  7. Pennsylvania

    16

  8. Washington

    16

  9. Wisconsin

    14

  10. Colorado

    13

  11. South Carolina

    12

  12. Minnesota

    8

  13. Nevada

    8

  14. Ohio

    8

  15. Louisiana

    7

  16. Illinois

    6

  17. Mississippi

    6

  18. None

    6

  19. Oregon

    6

  20. Hawaii

    5

  21. Iowa

    5

  22. Missouri

    5

  23. Massachusetts

    4

  24. Oklahoma

    4

  25. Utah

    4

  26. Arkansas

    3

  27. Delaware

    3

  28. Idaho

    3

  29. Kentucky

    3

  30. Michigan

    3

  31. Nebraska

    3

  32. South Dakota

    3

  33. Alabama

    2

  34. Alaska

    2

  35. Indiana

    2

  36. Kansas

    2

  37. New Mexico

    2

  38. AE

    1

  39. Maine

    1

  40. New Hampshire

    1

  41. Rhode Island

    1

  42. Wyoming

    1

Company response

  1. Closed with explanation

    613

  2. Closed with non-monetary relief

    27

  3. Closed with monetary relief

    24

  4. Closed

    12

  5. In progress

    3

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    665

  2. No

    14

How to read these figures

CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. US Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology