Cardinal Financial Company, Limited Partnership Ratings & Reviews

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NMLS ID: 66247

Cardinal Financial Company, Limited Partnership

(4.6 of 5) 780 Reviews

96% of our customers would recommend this lender.

About Cardinal Financial Company, Limited Partnership

Headquartered in Charlotte, NC, Cardinal Financial is a nationwide direct mortgage lender that provides modernized home financing solutions. Since 1987, we’ve been committed to facilitating a lending experience of unrivaled transparency, simplicity, and...

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Loan Officers

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Guy Jackson Scottsdale, AZ
Irene Martinez Chandler, AZ
quo -viet tran Chandler, AZ
Colt Coberly Charlotte, NC
Joshua Heinz Irving, TX
Michael Gruber Charlotte, NC
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Customer Reviews

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780 Reviews

(4.6 of 5)
  • Lender Review
    from Hudson, NY
    (5 of 5)
    Recommended!
    Reviewed:

    Bumpy Road but Great Ending! Satisfied!

    (0) (0)
    David Karol handled my transaction and did an excellent job managing the eccentricities throughout the process. The two negatives I have regarding Cardinal is the coordination of the transaction. On occasion, it seems different groups within the company did not communicate. David was able to answer my questions and provide the necessary information to each group. The other negative I have is the underwriting portion which used unreasonable income numbers for my loan, which caused delay. Things could be sped up and managed somewhat better. However, with that said, David Karol helped mitigate the crisis. Even when I was assigned another transaction coordinator to manage my paperwork, I would go directly to David if I had questions. David made my transaction succeed! I couldn't be happier with his efforts and work to bring my transaction together... Read More

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  • Loan Officer Review
    from Tujunga, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Brian - Satisfied Client

    (0) (0)
    Did a refinance with Jason, he was very straightforward and was willing to go over options for me instead of asking for a package just to get an application in. Many people in this industry just try to get you to ok them to run your credit, compile docs, etc., before they know they can do the deal. Jason did a great job and was always there to help when I called. Aside from some interesting underwriting changes at the last minute, my overall experience with Cardinal was great. In the event that some things didn't make sense and they were not being completely transparent about the underwriting guidelines, cash to close, etc., Jason was able to get me in touch with his manager, Marcus, who was also easy to speak to and helped with the file. Overall a great experience, thank you Jason for all of your help... Read More

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  • Lender Review
    from Mission Viejo, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Amazing experience

    (0) (0)
    Our fe-fi was a flawless exeprience thanks to Melanie Montalvo, Karen Gaylor, Noelle McDavid and Laurie Vivican. I would not hesitate to use Cardinal for any future needs and highly recommend them to anyone. Thank you team Cardinal!

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  • Loan Officer Review
    from Mission Viejo, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Thank you Melanie!

    (0) (0)
    I would like to take this opportunity to thank Melanie and the entire team we worked with at Cardinal for the flawless customer service we received. Melanie is not just an expert professional in her field, she is also so positive, helpful and customer focused which is a rare combination you just don’t find in business these days. I am hardly an expert when it comes to mortgage finance and she was available to listen to my concerns and answer every question I had….even the ridiculous ones I probably should have Googled first! Our situation was beyond unique as we were relocating from Germany, there was a 9 hour time difference and some of our documents were not even in English. She explained the whole process and was there for us step by step. Melanie’s poise, professionalism and equally fantastic sense of humor during the whole process was incredible and so appreciated. In today’s competitive marketplace for mortgage banking services, I cannot imagine choosing anyone but Melanie and the team at Cardinal! ... Read More

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  • Loan Officer Review
    from Irmo, SC
    (5 of 5)
    Recommended!
    Reviewed:

    Best customer service!

    (0) (0)
    Rachael was incredible to work with. The best customer service i have experienced. She was readily available at any time to answer questions. She worked quickly to meet our deadlines. She was vey knowledgeable and i would highly recommend her to anyone. Thank you again Rachael!

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  • Loan Officer Review
    from Las Vegas, NV
    (5 of 5)
    Recommended!
    Reviewed:

    review of Tedd Carbone

    (0) (0)
    I had tried to get this process done last year with a former employee at Cardinal and met with rejection. Tedd was there at every phone call to see this process through for me this time. I would highly recommend ted to anyone who is trying to get through this process. He is very professional and courteous and made this time very easy. I am so glad he answered the phone when I called back to try again... Read More

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  • Lender Review
    from Montgomery Village, MD
    (5 of 5)
    Recommended!
    Reviewed:

    Awesome experience

    (0) (0)
    Kevin O'Leary and the entire team were fantastic!!! Great communication and follow up!! They go above and beyond to get the job done!!

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  • Lender Review
    from Oceanside, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Cardinal Financial Company

    (1) (0)
    Cardinal Financial Company provided very competitive rates and has been a pleasure to work with. I would not hesitate to use them again!

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  • Loan Officer Review
    from Oceanside, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Josh Murphy

    (1) (0)
    Josh is very professional and a pleasure to work with. He is also very responsive and will make sure that everything goes as smoothly as possible and that you are kept informed during the entire process. I would definitely use him again!

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  • Loan Officer Review
    from Phoenix, AZ
    (5 of 5)
    Recommended!
    Reviewed:

    Knowledgeable & professional

    (1) (0)
    John is just fantastic! I truly respect his work ethic. He was always available to answer questions and was transparent through out the entire process. Very thankful for his help as our sittuation was a bit more complicated and still made it work for us.

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Headquartered in Charlotte, NC, Cardinal Financial is a nationwide direct mortgage lender that provides modernized home financing solutions. Since 1987, we’ve been committed to facilitating a lending experience of unrivaled transparency, simplicity, and value. We have nearly 1,000 employees across the country who are routinely generating billions of dollars in loans and connecting borrowers to their homes every day.
Only mature lenders with a proven record of success achieve the status of “approved lender” for Fannie Mae, Freddie Mac, and Ginnie Mae as well as “approved lending institution” for the FHA, VA, and USDA. Not only has Cardinal Financial earned all of these approvals, but we have consistently maintained the high standards required by them.