Cardinal Financial
Charlotte, North Carolina · HQ in Mecklenburg County · NMLS #66247
Cardinal Financial Company, Limited Partnership (NMLS #66247) is a national retail mortgage lender. Public HMDA data includes multi-thousand Florida originations in 2025.
Research Score
50 / 100
Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.
Data Confidence
87 / 100
High data confidence
NMLS / License Status
NMLS ID verified
NMLS #66247 — re-confirm on NMLS Consumer Access before applying.
Local Market Evidence
Local market evidence · Mecklenburg County
HQ locality derived from listed_county (Charlotte)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology
Score factors
- NMLS identity evidence: 28/28 — NMLS #66247 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: Mecklenburg County (listed_county)
- Loan type disclosure: 6/6 — 4 loan type(s) listed
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #66247 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data
What the federal data shows
Source: 2025 HMDA · Florida activity only · Not a score or ranking
Among tracked high-volume counties
Originated + denied + approved not accepted
Top counties by originations
- Duval County497
- Leon County324
- Lee County255
- Okaloosa County252
- Pinellas County211
Loan-type mix (Florida originations)
Market share in key counties
Share of county originations among all HMDA filers in that county (shown when ≥ 1%).
- Duval County497 originations · 2.3% share
- Leon County324 originations · 6.9% share
- Lee County255 originations · 1.1% share
- Okaloosa County252 originations · 4.5% share
- Pinellas County211 originations · 1.1% share
- Escambia County179 originations · 2.5% share
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
Consumer complaint context
What the CFPB complaint database shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
~24-month window from snapshot date
664 yes · 14 no
Top complaint issues
- Trouble during payment process242(35.7%)
- Applying for a mortgage or refinancing an existing mortgage126(18.6%)
- Struggling to pay mortgage107(15.8%)
- Closing on a mortgage93(13.7%)
- Application, originator, mortgage broker47(6.9%)
Company response (as published)
- Closed with explanation613(90.4%)
- Closed with non-monetary relief27(4%)
- Closed with monetary relief24(3.5%)
- Closed12(1.8%)
- In progress2(0.3%)
22.1complaints / 1,000 FL originations
Uses recent (~24 month) national mortgage complaints (91) and Florida HMDA originations (4,122, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.
Matching & scope
Matched to CFPB company name “CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP”.
CFPB company name(s): CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 4,122.
Data as of 2026-08-09. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database. We show the public record. You decide.
Data aggregated from NMLS, CFPB, BBB, Google, and Trustpilot for informational purposes. Lender Trust Hub is not a lender or broker and does not provide financial advice.