Christopher D.
Cardinal Financial Top Notch!
Cardinal Financial is a very professional and courteous company! My re-finance experiance was top notch! I highly recommend them!!

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
Christopher D.
Cardinal Financial is a very professional and courteous company! My re-finance experiance was top notch! I highly recommend them!!
Jason
By far my most pleasant experience doing a refi. Great company and great service!
Richild S.
Working with Cardinal Financial was a pleasure. Greg and Nick were very responsive and answered all my questions in a timely manner (within 24 hours). They made the process run smoothly. The software dashboard is very user friendly and makes it easy to keep track of outstanding items. Most importantly, my refinance closed on time and ran smoothly.
DANIEL S.
Originally financed my house through Cardinal and had a great experience. After 1 year with mortgage rates so low I called Kendra to explore refinance options. She was able to get me hooked up with a great rate and made the refinance process quick and painless. I would 100% recommend to anyone.
Carmen V.
We locked into A great rate and interest rates began to rise, their focus became confusion and intimidation. The loan officer and document specialist lack training to understand the 1040s or 1099s. Cardinal Financial website speaks of Octane an interface to send documents to them; however, documents disappear from the website and their employees have no knowledge of receiving them. It's like groundhog day over and over and over again for the same document requests of which were previously sent. When you tell them the document was sent 2 weeks ago, they give no explanation. Cardinal financial refuses to accept financial documents prepared by A CPA/ tax attorney or Trust attorney. You ask for A supervisor? they ignore your request. You call their customer service to complain and they transfer you to collections. You ask for the president of the company? your request is ignored. Cardinal financial acts like A company gleaning financial information for what purpose who knows? Obviously, not for providing A loan.
Response from Cardinal Financial CompanyAug 26, 2020
Carmen, Thank you for taking the time to write a review regarding your experience with Cardinal Financial during the loan process. We apologize that you experienced difficulties with the Cardinal Financial loan team and customer service. We will use your valuable feedback as a training opportunity. If you would like to provide any further information regarding your experience, please contact our Consumer Advocacy department at (704) 970-4124 or via email to consumer.advocacy@cardinalfinancial.com. Thank you.
Bob K.
Finally get to closing and the notary comes to the house has no clue how to do then paperwork and tells the office that my wife refused to sign after signing half the paperwork do not ever use this people eight weeks of crap it zero stars
Response from Cardinal Financial CompanyAug 26, 2020
Bob, Thank you for providing feedback and we apologize that you experienced problems with the Loan closing. The Cardinal Loan Team has worked with the Settlement company to resolve any outstanding issues and a new closing time has been scheduled. Thank you for letting us know and we will use your feedback as a training opportunity. If you would like to provide further feedback, please contact our Consumer Advocacy department at (704) 970-4124 or via email to consumer.advocacy@cardinalfinancial.com. Thank you.
Linda S.
Janelle Stanish was absolutely awesome to work with. This was the smoothest process & closing we have ever had. Highly recommend.
Larry L.
Lacey Reade is very knowledgeable in the refinancing process and extremely helpful and patient. She kept the process going smoothly and without any problems. I have refinanced home loans several times in the past but never totally online or via phone calls. The e-signing feature went very well and undoubtedly saved a great amount of time.