Martha E.
Outstanding experience!
Outstanding service, excellent communication, amazing professionals - an A+ rating in my book!!

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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Investments & Wealth · Wilmington, North Carolina
Excellent

Investments & Wealth · Madrid, North Carolina
Excellent

Investments & Wealth · Charlotte, North Carolina
Excellent
Investments & Wealth · Raleigh, North Carolina
Excellent
585 approved reviews, newest moderated first
Martha E.
Outstanding service, excellent communication, amazing professionals - an A+ rating in my book!!
Jiliana D.
The entire home buying process with Cardinal was the smoothest and best real estate transaction we’ve ever made. Allison, April, and the entire team got us our documents early, which hasn’t happened once before, and they kept us updated on literally every aspect of this process. I would totally be friends with them outside of working with them because that’s how much we liked them.
John W.
It was great working with Jeffrey at Cardinal and I would highly recommend him/them. He was so much easier to work with than other lenders. We received a great rate and got all of our paperwork in as quickly as possible.
Olga A.
Sebi@ Cardinal Financial made our refinance not only possible but excellent! He was extremely professional and knowledgeable about the whole transaction and also very kind and patient throughout the whole process. I will refer him to everyone I know and trust that he will provide the same excellent care.
WAGNER
Gannon provided all necessary information and support during our refinance. He is accessible, professional and friendly. He made the whole process very easy and smooth.
Joe K. S.
How anyone can rate this company a 5 is way beyond comprehension. 40 days after submission of documents and still no decision. Their underwriting has no clue as they cannot differentiate good credit from bad. If you apply, prepare to wait 6 to 8 weeks for a decision, respond to stupid requests that sit on someone's desk for days before giving you a response. I withdrew my application because of delays, their response to the FTC was that my income to debt was too high. That is a Joke since my credit score is 800.
Response from Cardinal Financial CompanyFeb 15, 2021
Hi Joe - Thank you for your review. We are sorry to hear that you did not have a positive experience with Cardinal Financial and that it was a frustrating encounter for you. We would like the opportunity to speak with you. At your convenience, please contact our Consumer Advocacy department at (704) 970-4124 or via email to consumer.advocacy@cardinalfinancial.com.
Mohan
Great service! Very reliable and awesome rep!
Joseph
My GREAT experience revolves around Cardinal Financial and our Loan officer, Gabby Costanza. When I first contacted her in early 2020, we were unable to proceed with the refi, but due to Gabby's communication, answering my many questions, and overall friendliness and patience, she was the first and only loan officer I reached out to in November when we were finally in a position to get started. She was very responsive and helped us in every way throughout the entire loan process. She worked relentlessly to get the loan closed (not too easy since I'm self-employed) and not only made the stressful process of a refi bearable but also enjoyable. The remainder of Cardinal's team was also very attentive and communication was spot on. I would recommend Cardinal and Gabby to anyone looking for a refi.