Cardinal Financial Company Reviews 593

TrustScore 2.5 out of 5

2.5

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Rated 1 out of 5 stars

They sell your information regardless even afterwards when my loan was sold to other company. I did use the company 10 years ago now I get junk mail that sponsor by cardinal mortgage

Company replied

Rated 5 out of 5 stars

Brian followed up with us to the detail the whole way through our new build timeline (9months!), proactively gave us heads up info, answered all of our questions and concerns, and worked with us throu... See more

Company replied

Rated 5 out of 5 stars

Cardinal Financial and specifically Charlie and Matt went above and beyond to make themselves available for any questions we had, day or night. They did an amazing job competitively and got us a great... See more

Company replied

Rated 1 out of 5 stars

DO NOT WASTE YOUR TIME HERE, as we have learned the hard way… closing date after closing date after closing date…. As lock rate fees climb climb climb. Poor communication…. At its worse. We were tol... See more

Company replied

Company details

  1. Non-Bank Financial Service
  2. Financial Consultant

Written by the company

Cardinal Financial® is ending the mortgage mayhem. Powered by our living loan engine, Octane®, we deliver Speed to Mortgage™ with certainty from application to close—real approvals, real numbers, and real confidence. With operations in all 50 states, we're combining automation with human expertise to turn lending complexity into clarity. Cardinal has earned the coveted status of approved lender for Fannie Mae, Freddie Mac, and Ginnie Mae and is an approved lending institution by the FHA, VA, and USDA. Driven by innovation and a commitment to doing what's right, we're building the future of modern home lending with every clear, confident close. Cardinal Financial is a national mortgage lender offering home purchase and refinance loans through its loan engine, Octane, to borrowers in all 50 states. Founded in 1987, Cardinal Financial has been helping borrowers navigate the home loan process for nearly four decades. Cardinal Financial offers conventional, FHA, VA, USDA, and jumbo loan options for purchase and refinance, helping borrowers across all 50 states and DC find the right home loan for their needs. Whether you're a first-time homebuyer or refinancing your current home, Cardinal Financial's process delivers a fast, transparent path to closing. Cardinal Financial helps homebuyers and homeowners explore mortgage options and close with confidence from day one. Learn More: www.cardinalfinancial.com or follow us on Facebook (@cardinalfinancial), Instagram (@cardinalfinancial), and LinkedIn (@cardinalfinancial). Cardinal Financial Company, Limited Partnership NMLS #66247. Equal Housing Opportunity.


Contact info

2.5

Poor

TrustScore 2.5 out of 5

593 reviews

5-star
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1-star

No history of asking for reviews

This company hasn't invited their customers, so reviews may not be representative

Replied to 33% of negative reviews

Typically replies within 1 month

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Rated 5 out of 5 stars

Everything was like they told me since…

Everything was like they told me since the beginning, my representative Jake made everything clear and easy for me to understand, the whole process was very transparent. I am very pleased with the results.

2 November 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Thanks for your review, Ursula! We're glad to hear you were pleased with the tranparency and all the help the Cardinal Financial team was able to help you with your home loan needs!

Rated 5 out of 5 stars

We had a great home buying experience…

We had a great home buying experience since I decided to work with Ryan on my loan after I've got expected rate. Very quick and clear communication. I had a mortgage already in another country and I would say that system works here better, thanks to professionals such as Ryan.

2 November 2021
Unprompted review
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Reply from Cardinal Financial Company

We love to see this, Maksim! Thanks for your review, and please keep us in mind for future home financing. We're always here to help!

Rated 5 out of 5 stars

As a fairly new home owner.........

As a fairly new home owner I am very cautious. I had the pleasure to do my refinance with Cardinal Financial this year and I am pleased to write that the service I received was PERFECT.... My experience with Glenda was beyond the word excellence. Glenda made sure that I was comfortable in every step of the way, or should I say every process of the way :) I felt very confident in her abilities and confident in her name. Glenda made me feel like I was one of the real estate family and a million dollar client, even though I am not quite a millionaire yet. It was refreshing to see that Glenda's company had my best interest at heart the entire process. This is a very rare quality that is not easy to find within companies nowadays. :)

2 November 2021
Unprompted review
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Reply from Cardinal Financial Company

Thank you for letting us know about your positive refinance experience with Glenda and the Cardinal Loan team. It is always our goal to provide a positive experience and we are so glad to hear that we met your expectations. We look forward to working with you again!

Rated 5 out of 5 stars

I did a Refi with this company and it…

I did a Refi with this company and it went so smoothly. They had the best rate available. Loan officer Jimmy Marcellii was in contact with thru the whole process. I would do business with them again. Thanks Jimmy

2 November 2021
Unprompted review
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Reply from Cardinal Financial Company

Thank you for choosing Cardinal to help you refinance your home. We're glad to hear Jimmy and the loan team could help get you the best rate. We look forward to serving you again in the future!

Rated 5 out of 5 stars

I did a refinance with Cardinal Finance and it was so easy!

I did a refinance with Cardinal Finance. The whole experience from start to finish was very easy. This company and their employees worked hard to get me the best refinance possible.

1 November 2021
Unprompted review
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Reply from Cardinal Financial Company

Hey Kimber, thanks for your feedback! We take pride in providing excellent service, and we're thrilled you were happy with your experience. It's great that the Cardinal loan team was able to help you refinance your home.

Rated 5 out of 5 stars

Highly Recommended

Our Cardinal originator, Alex Boone, is by far the most helpful agent in any industry that we have had the great fortune to do business with. He combines a high level of knowledge and experience, a great feel for the market, and second-to-none client service to create an easy, pleasant experience in an otherwise stressful and chaotic industry. The best thing about working with Alex is that he is up front with the numbers and has proven himself unquestionably trustworthy. I recommend Alex to everyone I know!

1 November 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Thanks for your review, Dave! We're happy to see that Alex and the Cardinal loan team were able to help you with your home loan needs!

Rated 5 out of 5 stars

The VA refinance loan was excellent and…

The VA refinance loan was excellent and it helped our family.

29 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

We're glad we could help your family, Carl! Thank you for your review. We’re so grateful for your business and if we can ever serve you again in the future, we're happy to do so.

Rated 1 out of 5 stars

Peter Munguia my refi manager hung up…

Peter Munguia my refi manager hung up on me when I told him paying over 10k in closing cost did not make sense to me. I would recommend you to look somewhere else for refi or any loan from them. Very rude very unprofessional and very wrong! Good luck to others with this company you will need it

28 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Hey Jason,

We apologize and are disappointed to hear that you experienced difficulties with the Cardinal Financial loan team during the loan process. We assure you we would like to make things right. We would appreciate the opportunity to gather some additional information from you regarding your experience. At your convenience, please contact our Customer Care department at (855) 561-4944 or via email to customercare@cardinalfina­ncial.com.

Rated 5 out of 5 stars

Mortgage Process was so smooth

Mortgage Process was so smooth.

The mortgage process was so smooth and with no surprises. What I loved most was that they kept us in the loop. The constant communication with us gave us a relief that we were heading the right direction.

27 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

This is great to hear! The Cardinal loan team works hard to help customers like you all day, every day, so we’re glad to see you had such a great experience with us. We’ll make sure your review is shared with the team.

Rated 5 out of 5 stars

Excellent Loan officer - Jimmy Marcelli.

Jimmy Marcelli, our loan officer was excellent to work with throughout the process of closing the refinance. I would greatly recommend asking for him as he is very easy to talk with and always been responsive to any questions we may have about the loan procedure.

27 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Thanks for sharing your experience with Jimmy and the Cardinal Financial team, Glynson! We’re so glad we were able to assist in your journey as a homeowner.

Rated 5 out of 5 stars

Sean was a pleasure to work with

Sean was a pleasure to work with. He did a great job explaining our options, the process and was in constant communication throughout each step. Would recommend him and work with him again.

27 October 2021
Unprompted review
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Reply from Cardinal Financial Company

Wow, that means a lot to us, Sarita! We’re so grateful for your business and appreciate any recommendation. Be sure to give Cardinal a call for any of your future home loan needs!

Rated 5 out of 5 stars

Joe Arnone at Cardinal Financial was…

Joe Arnone at Cardinal Financial was amazing and efficient. I’ll be recommending him to everyone I know!

26 October 2021
Unprompted review
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Reply from Cardinal Financial Company

Thanks, Jennifer! We can't thank you enough for your business and for having the confidence in us to refer our services. There is truly no greater compliment. We look forward to working with you again in the future!

Rated 5 out of 5 stars

Very easy and efficient

Very easy and efficient. Kind assistance.

26 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Thanks for your review, Malisa! We're happy to see that the Cardinal loan team was able to help make your loan process easy. If you need anything in the future, be sure to give us a call!

Rated 5 out of 5 stars

Steve makes every step of the process…

Steve makes every step of the process manageable. He communicates with his clients through each step and he is quickly available to answer any questions you might have. He values his clients like family and works hard to make home loans/refinancing possible. I would recommend him to help anyone who is looking to purchase a home or to refinance their existing home.

22 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

We can't thank you enough for your business and for having the confidence in us to recommend our services. There is truly no greater compliment. The Cardinal team looks forward to working with you again in the future!

Rated 5 out of 5 stars

simply amazing and awesome experience

simply amazing and awesome experience. Cynthia Zulick is an amazing person and so kind!

22 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Thanks for your review, Jahan! We're happy to see that the Cardinal loan team was able to help you. If you need anything in the future, be sure to give us a call!

Rated 5 out of 5 stars

Fast and easy

Fast and easy. Communication was great and every step was clear. Would use Cardinal again if needed.

21 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Thank you for taking the time to leave a review, Paul! We take pride in providing excellent service, and we're thrilled you were happy with your experience. The Cardinal team looks forward to working with you again in the future!

Rated 5 out of 5 stars

The support was great

The support was great, the way of operation made everything easy and flexible.

19 October 2021
Unprompted review
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Reply from Cardinal Financial Company

Thanks for your review, Kira! Be sure to keep Cardinal in mind for future home financing. We're always here to help!

Rated 5 out of 5 stars

Mortgages with Alec Butler / Cardinal Financial

Alec Butler and his team at Cardinal were fantastic every step of the way. They kept the process moving smoothly, informed me at every step of the way about what to expect next, and got the deal done on-time and on-budget. A painless experience.

19 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Thank you for taking the time to leave a review and share your experience with the Cardinal Loan Team, Timothy! We look forward to serving you again in the future.

Rated 5 out of 5 stars

Seamless, Efficient and Quick

From re-qualification to funding at the closing table a great experience and rate!

19 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Hey Robert, thanks for your feedback! We take pride in providing excellent service, and we're thrilled you were happy with your experience. Please let us know if we can do anything else to help in the future!

Rated 5 out of 5 stars

Good loan options

He gave us different options and good suggestions for our loan options

19 October 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Thanks for your review, Michael! We're happy to see that the Cardinal loan team was able to help you purchase your home.

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