U.S. Mortgage Index

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Public institution profile · Mortgage company · Not a recommendation

CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP

Also published as CARDINAL FC LP

Mortgage companyACTIVE

Primary category-specific identifier not published for this profile.

Data observedSection records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

company ID
Not published — no verified match
More identifiers
Federal Reserve
3904891
Not published — no verified match

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

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Mortgage company
Status
ACTIVE
HMDA activity
Published activity year 2025
Complaint records
CFPB search status is not currently available.

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Mortgage company
Status
ACTIVE
activity
Published activity year 2025
Complaint records
CFPB search status is not currently available.

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

Institution identity

Mortgage company identity

Source-backed identity fields for a nondepository mortgage or financial institution. FDIC insurance and NCUA charter identifiers are not applicable to this category.

Legal name
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
Display name
CARDINAL FC LP
Institution status
ACTIVE
Federal Reserve
3904891

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

22,911reported records

12,657reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

22,911

2025

Loan originations

12,657

2025

Denials

1,813

2025

Withdrawals

788

2025

Denial rate among decisioned applications

10.8%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
202522,91112,6572,3011,81378810.8%
202430,21215,3272,7132,02090210.1%
202355,86627,1754,3283,4852,60610.0%
202298,57341,4027,73328,2405,72336.5%
2021231,879105,59614,99197,67112,97544.8%
2020198,13593,37211,22569,16824,04439.8%
201999,47237,9266,6238,66044,98516.3%
201855,42521,8743,2353,09026,96511.0%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional11,808
FHA9,366
VA1,568
RHS / FSA169
Home purchase18,104
Home improvement220
Refinancing1,626
Cash-out refinancing2,077

State reporting

52 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

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

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. 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. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Data not published for this profile. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

No published branch result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryEvent dates come from the source row. The observed date is when USMI reviewed the file.

Ask about this history

No published institution history result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

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Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

No published source link is attached to this profile yet. That does not establish that no official record exists.

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