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
2177 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 2 star reviews | Show all reviews

Had to withdraw my application

The individuals I worked with were professional, but there was some miscommunication between team members that ended up delaying closing (albeit providing the requested information in its entirety on day 1). <br />As a result, I was charged up towards $1K in rate lock fees that kept building as they felt it was the borrowers responsibility, which I disagreed with due to delayed & inconsistent messaging on behalf of the lender.<br />I wish it had worked out, but felt I needed to withdraw my application as it was taking too long and I felt I was unfairly being charged for items that should not have been my responsibility which.<br />I would say this lender is fine for a very straightforward refinance, but if there are any variable factors that may complicate your process, I would be wary. At a very minimum I would get everything in writing, ask questions a thousand ways to make sure the different individuals you work with are consistent in their messaging, and closely monitor your disclosures for any fees and changes the longer the process goes on.

  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Good rate, poor experience

Past the loan originator, who was great, it felt like no one else knew what they were doing and we constantly had to call them to get updates. They had to extend our closing date 4 times all because of issues on their end. In the end they did waive all fees and our numbers on the actual loan looked great but it was a hassle

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

It was annoying

I got my numbers on the refinance and they were no were near as good as the competitors I was working with. They agent included maximum cashout numbers when I had asked for less. The closing costs were ridiculous. I told the agent that closing cost would make or break the deal and he told me they were about $4000 but the offer sheet clearly showed closing to be $8000. I got another offer in the mail and it showed lower rates in a lot of areas but still the closing cost were $8500. I'm old but I'm not stupid.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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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

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