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

Great experience

Wade was very knowledgeable and honest about the whole process and why each step was being taken. Was always available when we had questions about certain things. Was easy to talk to and genuinely seemed to look out for our interest.

September 21, 2021
Unprompted review
Rated 5 out of 5 stars

Moving from Texas to Georgia

We were fortunate to have had Kyle Stevens, our realtor recommend Mary O'Brien with Cardinal Financial for our lending needs. Mary is outstanding in every way. Our loan was handled professionally with a personal touch! She's the best and we have dealt with several.

September 21, 2021
Unprompted review
Rated 1 out of 5 stars

This was the worst experience of my…

This was the worst experience of my life! These people can't seem to get it together. I have been going in circles with e-signing over and over and over again. Closing date changes weekly and they say it is because we requested it! NOT TRUE!! I have been asked for the same documentation for 3 months. STAY AWAY FROM THEM!!!

September 21, 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Hello Tracey, Thank you for your recent feedback regarding your experience with Cardinal Financial during the loan process. We are disappointed to hear that we did not meet your expectations regarding communication and that you experienced delays. 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

Honest Company, worth checking out.

I had some issues and didn't end up refinancing with them, but will give them lots of credit for refunding me the $750 that I spent during the process.

Would give them another shot in the future.

They make good on their word, which is a rare thing from a company nowadays.

September 19, 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Hello Id, Thank you for taking the time to provide feedback regarding your experience with Cardinal Financial. At Cardinal Financial, our goal is to provide a positive experience for our consumers in every aspect of the process. We apologize that we were unable to meet your expectations. We would like the opportunity to speak with you regarding your experience with Cardinal Financial. 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

Easy, quick, professional

My home loan was easy and quick with Cardinal. Everyone I dealt with (Carson, Meranda) really went the extra mile to keep me in the loop and moving forward with my loan!

September 16, 2021
Unprompted review
Rated 5 out of 5 stars

The best experience you could ask for!

The responsiveness and personal touch of the experience was incredible! Chuck and his team were always available (day, night, vacation, etc.) to answer questions, get my documents and information together, and get me pre-qualified, pre-approved, and approved for my home mortgage! Not a single moment felt stressful, if it did, Chuck was quick to make things feel comfortable and easy. He walked me through options for down payments and effects on rates, I could not imagine a better mortgage experience - I never even thought getting a mortgage could be so pleasant!

September 16, 2021
Unprompted review
Rated 1 out of 5 stars

WORSE CUSTOMER SERVICE

WORSE CUSTOMER SERVICE, WORSE COMMUNICATION, AND DISHONEST!

Even if you have no timeline with plenty of patience don’t bother wasting your time with this group of incompetent fools. I have been trying to get a partial release of our property so my mother can build a house on our land. We started this process in May, now it’s September and the process is still not completed! No one returns your phone calls nor do they respond to any emails! In June we sent our Mylar map for an approval signature. The map got “misplaced “. From June 14th till September 10th they sat on SOMEONE’S desk! Could not get an honest answer from anyone. Supposedly nowwwww they have been overnighted to corporate for a signature and then requested to overnight back to my surveyor ASAP…. Let’s see….

September 12, 2021
Unprompted review
Cardinal Financial Company logo

Reply from Cardinal Financial Company

Hi Sherry, Thank you for your recent feedback regarding your experience with Cardinal Financial during the loan process. We are disappointed to hear that we did not meet your expectations regarding communication and that you experienced delays. We would appreciate the opportunity to gather some additional information from you regarding your experience. At your convenience, please get in touch with our Customer Care department at (855) 561-4944 or via email to customercare@cardinalfinancial.com.

Rated 5 out of 5 stars

This our 2nd experience with cardinal

This our 2nd experience with cardinal. Matt and his team are absolutely amazing. Quick responses, great communication and they make what can be a stressful and overwhelming process pain free and seamless. Highest recommendation.

September 12, 2021
Unprompted review
Rated 5 out of 5 stars

Extremely pleased!

It was a pleasure working with Jack Laudani for our mortgage! From the first phone call to Jack, he put me at ease and made me feel that he would take care of everything. He communicated often, and was never anything other than positive, helpful and encouraging! I would recommend him in a heartbeat! He made the entire mortgage process a pleasant experience because I always knew Jack sincerely cared about helping us buy a home!

September 9, 2021
Unprompted review
Rated 5 out of 5 stars

Highly Recommended

In finding a home loan you can trust Nandy Trevino with Cardinal Financial he made the process super easy an painless he also explained everything in extreme detail so that I knew what was going on it was a real pleasure working with him and I highly recommend him .

September 7, 2021
Unprompted review
Rated 5 out of 5 stars

Renee Douglas is A+

I switched from another company to Cardinal Financial mid new home purchase. The previous company didn't communicate with me at all, didn't seem to care for my business and was delaying my home purchase. I switched to Renee Douglas with Cardinal Financial and she worked hard to get my mortgage closed on time even though she came into it late and the busy market put road blocks in her way. She powered through it all and I closed on time with the terms I wanted at a great rate! Her communication was polite, professional and timely. I cannot recommend her highly enough! I'm so glad I fired my previous financial company and made the switch.

September 7, 2021
Unprompted review
Rated 5 out of 5 stars

Amazing Experience!!

I am so happy I went with Jesse Enriquez at Cardinal Financial to refinance my home. Jesse was extremely helpful and knowledgeable throughout the whole experience. He always answered all my calls, emails, and questions quickly and I understood everything that was going on because of his communication throughout it all. Jesse also has an amazing team at Cardinal, they were all very helpful and always quick to respond with anything I needed. I am so happy I went with Jesse and his team to refinance my home, and I will use Jesse for all my future transactions. Thank you for being amazing at what you do!!

September 7, 2021
Unprompted review
Rated 5 out of 5 stars

No Surprises, Easy Closing

Tyler and team were very responsive and ready to go. The communications that were sent to me were clear, concise and really easy to understand. There were no surprises and closing was a breeze!

September 7, 2021
Unprompted review

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