NMLS# 66247

Cardinal Financial Company, Limited Partnership

Lender Summary

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 4,000 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.

What they're saying

Ratings & Reviews
2178 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 1 star reviews | Show all reviews

Do not refinance with this company

I refinanced with Cardinal, and when we went through the refinance process last year, I told them that we need to pay special attention to my escrow amount. And that in my previous refinance (with a different mortgage company), I got a letter within a year stating that my escrow had been mis calculated and I owed them around $4,000. I told Cardinal this, and REALLY needed to have my escrow calculated correctly so I wouldnt be stuck with shortage in my escrow account later on. Lisa Cox my loan specialist assured me this wouldnt happen. But I just got a letter that the same thing has happened. The amount of $3,062.40 is being "Spread out" over 12 months increasing my payment by $255.20 per month. This is MORE than the amount I saved when refinancing and an increase of 10% of my mortgage payment each month. <br />In the end I am the one out money because they cannot manage my escrow. Also, they wont let me manage it. Stuck with a bill I tried desperately to avoid.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

I do not recommend this company

I submitted a request through Lending Tree. I had barely had time to click on the "submit" button when my phone started blowing up with calls from Cardinal as well as daily emails. I finally decided to call Cardinal after about a month. Spoke with a friendly female. We discussed what I was looking for. Had several conversations and I gave her access to several documents to discuss my options. Then.....crickets. She would not return a call or respond to a voice mail. Then I get a letter saying my application was denied because it was not complete. I called them asking "how do you complete an application when the lending representative won't respond to you?" I was pretty ticked off and asked for her manager to call me back. Then.....crickets. I do not recommend this company. They will bug you and bug you to get your business and then if you have questions and they say they will get back to you and then they never do. Then have the NERVE to tell me my application wasn't completed when it was THEIR fault.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Terrible Experience!

I was lied to from day one about my home loan. It took me two and half years to get Cardinal to do what they told me they were going to do regarding my loan. I was so discussed with there lack of service and inefficiency, that I just payed the loan off with a cash payment. They cost me a lot of money!

  • Closed with Lender:

    Yes
  • Loan Type:

    Home Purchase
  • Review Type:

    Lender Review

Loan officer directory

×

Thank you for sharing your experience

Here are a few tips for writing a top-notch review for a company in our marketplace:

Do
Don't

Cardinal Financial Company, Limited Partnership

Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Cardinal Financial Company, Limited Partnership

Let's answer a few short questions and see what offers Cardinal Financial Company, Limited Partnership and other lenders may have for you.