Jason B.
No Surprises, Easy Closing
Tyler and team were very responsive and ready to go. The communications that were sent to me were clear, concise and really easy to understand. There were no surprises and closing was a breeze!

Cardinal Financial® is ending the mortgage mayhem. Powered by our living loan engine, Octane®, we deliver Speed to Mortgage™ with certainty from application to close—real approvals, real numbers, and real confidence. With operations in all 50 states, we're combining automation with human expertise to turn lending complexity into clarity. Cardinal has earned the coveted status of approved lender for Fannie Mae, Freddie Mac, and Ginnie Mae and is an approved lending institution by the FHA, VA, and USDA. Driven by innovation and a commitment to doing what's right, we're building the future of modern home lending with every clear, confident close.Cardinal Financial is a national mortgage lender offering home purchase and refinance loans through its loan engine, Octane, to borrowers in all 50 states. Founded in 1987, Cardinal Financial has been helping borrowers navigate the home loan process for nearly four decades.Cardinal Financial offers conventional, FHA, VA, USDA, and jumbo loan options for purchase and refinance, helping borrowers across all 50 states and DC find the right home loan for their needs.Whether you're a first-time homebuyer or refinancing your current home, Cardinal Financial's process delivers a fast, transparent path to closing.Cardinal Financial helps homebuyers and homeowners explore mortgage options and close with confidence from day one.Learn More: www.cardinalfinancial.com or follow us on Facebook (@cardinalfinancial), Instagram (@cardinalfinancial), and LinkedIn (@cardinalfinancial). Cardinal Financial Company, Limited Partnership NMLS #66247. Equal Housing Opportunity.
Cardinal Financial Company (cardinalfinancial.com) has 585 customer reviews on Five Star Index, with an average rating of 4.2 out of 5.
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Excellent

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585 approved reviews, newest moderated first
Jason B.
Tyler and team were very responsive and ready to go. The communications that were sent to me were clear, concise and really easy to understand. There were no surprises and closing was a breeze!
Jacob
Worked with Jack and had an unbelievable experience. He mad it super easy and I hope to work with Jack and Cardinal again in the future!
pam S.
Picked this company because of reviews I read. Was nervous that I was unfamiliar with this company and mostly everything was online. I had multiple offers from other companies and one of them told me that the rate Cardinal was giving me could not be right. But the rate and monthly payment quote turned out to be even less!
Anthony B.
Excellent Communication Fast Response Time Great Attitude Welcomed all Questions and Concerns
CESAR
Mr. Paz and his team were diligent and professional. We had a tight schedule to meet a closing date target. He and his team far exceeded our expectations and gave us wonderful customer service. I would recommend this company to anyone looking for a home loan.
J P.
Refinancing was quick and easy, the dashboard was easy to follow and streamlined.
Patrick G.
I rarely leave a bad review. The lender I worked with was extremely difficult to get a hold of. Which is weird because when I first spoke with him he was super nice and helpful. The most frustrating part of the process are the documents the underwriters request, and I understand Cardinal Financial has 0 control on this, but some guidance on what specifically would work for the underwriter would be great. Just an extremely frustrating process and a complete waste of time. The amount of documentation I already provided is insane and it's a huge let down I can't get any guidance to finish the process. Speaking to their customer service team is no help at all. They just read the instructions that you can read in the portal.
Response from Cardinal Financial CompanySep 2, 2021
Hi Patrick, Thank you for your review. We are sorry to hear that you did not have a positive experience with Cardinal Financial and experienced frustrations. We want the opportunity to speak with you regarding your experience. At your convenience, please get in touch with our Customer Care department at (855) 561-4944 or via email to customercare@cardinalfinancial.com.
Kim T.
Jim Tolbert is a wonderful person to work with. We recently refinanced our home mortgage and Jim and his team kept us informed every step of the way. Their on-line tools were easy to use and streamlined what historically has been a difficult process. Jim took time to explain every recommendation and any element of the process that we didn't understand, I would use him again and would highly recommend him to anyone I know.