Cardinal Financial phone numbers
Ranked #70 of 75 by complaint volume · 684 complaints · 98% timely response
Check your statement for the address for a mortgage-assistance application.
Every number above is copied from Cardinal Financial's own site on the date shown. If one has changed, the number on your mortgage statement wins.
How Cardinal Financial Compares
For Cardinal Financial, "Trouble during payment process" accounts for 35.7% of CFPB mortgage complaints in this profile; volume fell 37% from 2024 to 2025, ranking it #70 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's lower third; this profile has no linked CFPB enforcement action. Company context: Subsidiary of United Wholesale Mortgage. This profile retains the historical CFPB mortgage complaint record tracked for this servicer.
Compare the nearest profiles by complaint volume: Statebridge Company and Reverse Mortgage Solutions.
What Borrowers Complain About
Cardinal Financial borrowers' most common complaint category is "Trouble during payment process" at 35.7% of all complaints, followed by "Applying for a mortgage or refinancing an existing mortgage" at 18.6%. The three most cited specific problems are: "escrow, taxes, or insurance" (3.1%), "closing disclosure or other related disclosures" (2.3%), "trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure" (2%).
The third most common category is "Struggling to pay mortgage" at 15.8%, representing 108 complaints.
Other frequently cited problems include "trying to communicate with the company to fix an issue while managing or servicing your loan" (2%) and "changes in loan terms during or after closing" (1.6%).
Complaint volume fell for 3 consecutive years (2022: 105, 2023: 91, 2024: 70, 2025: 44).
Most complaints involve conventional mortgages (41.4%), followed by FHA mortgages (28.1%).
Cardinal Financial's consumer dispute rate of 3.2% is below the 8.3% industry average.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for Cardinal Financial from 2012 to present.
Annual Complaints — Cardinal Financial
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — Cardinal Financial
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Trouble during payment process | 244 | 35.7% |
| Applying for a mortgage or refinancing an existing mortgage | 127 | 18.6% |
| Struggling to pay mortgage | 108 | 15.8% |
| Closing on a mortgage | 95 | 13.9% |
| Application, originator, mortgage broker | 47 | 6.9% |
| Loan servicing, payments, escrow account | 23 | 3.4% |
| Settlement process and costs | 21 | 3.1% |
| Credit decision / Underwriting | 7 | 1% |
| Incorrect information on your report | 6 | 0.9% |
| Problem with a credit reporting company's investigation into an existing problem | 3 | 0.4% |
How Cardinal Financial Responds
Cardinal Financial closes 90.2% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. The share of complaints closed with monetary relief was 3.5% to the borrower, which is notably above average. Borrowers disputed 3.2% of responses, below the 8.3% industry average.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 617 | 90.2% |
| Closed with non-monetary relief Non-monetary relief | 27 | 3.9% |
| Closed with monetary relief Monetary relief | 24 | 3.5% |
| Closed | 12 | 1.8% |
| In progress | 4 | 0.6% |
Top States by Complaint Volume
View all 45 locations
| State | Complaints |
|---|---|
| TX | 99 |
| FL | 92 |
| CA | 68 |
| GA | 45 |
| NC | 38 |
| VA | 30 |
| NJ | 27 |
| AZ | 27 |
| MD | 25 |
| TN | 22 |
| NY | 22 |
| WA | 16 |
| PA | 16 |
| WI | 14 |
| CO | 13 |
| SC | 12 |
| NV | 8 |
| OH | 8 |
| MN | 8 |
| LA | 7 |
| MS | 6 |
| IL | 6 |
| OR | 6 |
| MO | 5 |
| HI | 5 |
| IA | 5 |
| UT | 4 |
| MA | 4 |
| OK | 4 |
| AR | 3 |
| MI | 3 |
| NE | 3 |
| ID | 3 |
| DE | 3 |
| KY | 3 |
| SD | 3 |
| NM | 2 |
| AL | 2 |
| AK | 2 |
| KS | 2 |
| IN | 2 |
| RI | 1 |
| ME | 1 |
| NH | 1 |
| WY | 1 |
Cardinal Financial's complaints concentrate in Texas (99), Florida (92), and California (68). These three states account for 38% of all complaints. If you're dealing with Cardinal Financial, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: Texas, Florida and California.
Enforcement Record
We don't list a CFPB enforcement action against Cardinal Financial. Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. The database includes 684 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about Cardinal Financial, which responded to 98% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for Cardinal Financial. That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search Cardinal Financial Complaints
Browse the 500 most recent complaints filed against Cardinal Financial. Filter by issue type, state, date range, or keyword. Try filtering by "Trouble during payment process" — it represents 35.7% of all complaints. Most complaints originate from Texas.
Know Your Rights with Cardinal Financial
File a CFPB Complaint
If Cardinal Financial is mishandling your mortgage, file a complaint with the CFPB. Cardinal Financial currently responds to 98% of complaints on time, ranking #54 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review Cardinal Financial's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in Texas (their highest complaint state), find local help.
Find Legal Aid
If Cardinal Financial is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about Cardinal Financial
How many complaints does Cardinal Financial have?
Cardinal Financial has 684 mortgage-related complaints in the CFPB database since 2012, ranking #70 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 98%, which is below the 98.8% average across the 75 largest servicers. Complaint volume fell 37% between 2024 and 2025.
What is the most common complaint about Cardinal Financial?
The most common complaint category is "Trouble during payment process" at 35.7% of all complaints — payment processing problems — misapplied payments, escrow calculation errors, and billing disputes. Borrowers report payments credited late or to the wrong account, escrow shortages they weren't notified about, and unexplained fee charges. The most frequently cited specific problem is "escrow, taxes, or insurance" (3.1% of complaints). The second most common category is "Applying for a mortgage or refinancing an existing mortgage" at 18.6%.
Has Cardinal Financial faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against Cardinal Financial. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 684 complaints, ranking #70 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against Cardinal Financial?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name Cardinal Financial as the company. Select "Conventional home mortgage" as the sub-product — 41.4% of complaints against Cardinal Financial fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to Cardinal Financial, where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for Cardinal Financial?
The 98% timely response rate means Cardinal Financial responded to that share of complaints within the CFPB's applicable response window, ranking #54 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 3.5% and 3.9% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 90.2% — means the servicer responded but did not necessarily resolve the borrower's issue.