NMLS# 66247

Sebonic Financial

Lender Summary

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.
Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

What they're saying

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

Review Breakdown

Good Refinance Rate

Tamara was very thorough and prompt in answering my questions/concerns. In March 2021, I refinanced my old 20 years mortgage at 3.625% to a new 20 years at 2.375% saving me $58,044.24 over the life of the loan. Plus, I had no out-of-pocket costs. I will work with Tamara again!

  • Closed with Lender:

  • Loan Type:

  • Review Type:

    Loan Officer Review
  • Loan Officer:

Horrible Horrible Horrible

Horrible Horrible Horrible. Read the bad reviews about Sebonic (aka Cardinal) Financial and BELIEVE IT. The experiences those 1-Star reviewers had are similar to ours... ie. dragging out the process for literally months, no communication- unless we initiated it with the***.Yet our credit and work history are stellar. We finally backed-out of our refinance. How this company remains in business is a mystery. The "5 Star" reviews are HIGHLY suspect.

  • Loan Type:

  • Review Type:

    Lender Review

Great experience and Victoria made it very pleasant

Victoria was very professional in her interactions, promptly answered our queries and guided us through the process seamlessly. The web portal for all document needs and reviews made it easy.

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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.

Sebonic Financial

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