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

Review Breakdown

Very slow, inefficient, unprofessional process

Shadi Babich himself provided okay service, and tried do what he can to help close the refi loan. I am extremely unhappy with Sebonic/Cardinal as a company. It is unprofessional and extremely inefficient. They wasted my time asking for the same documents over and over again and repeated same verifications multiple times - the entire process is broken. It took 7 months to close my refi and I was promised closing in 30 days. Totally unacceptable.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Tamara did an awesome job in processing our refinance application

We have gone through purchasing and refinancing several times over the past few years and Tamara was by far the best. She was always quick to respond and on top of things throughout the process. She made the process efficient and hassle free, correcting issues whenever needed. With many applications being processed, she pushed ours through without the usual long waiting. It was a pleasure and we wish we had her for all of our loan processings.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Loan Officer Review
  • Loan Officer:

Quick and efficient!

Victoria was great at every step of the way! She helped me answer all my queries and got me a good rate. The underwriting team was fast in execution as well, and they had multiple personnel working on my file so, all documentation was completed before the closing date. I was impressed with the way the team coordinated to get my loan close so quickly.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Loan Officer Review
  • Loan Officer:

Loan officer directory

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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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