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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
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
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
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
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
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.
3530 Toringdon Way, Suite 200, 28277, Charlotte, United States
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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
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.
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.
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!!!

Reply from Cardinal Financial Company
Our loan officer Justin did an awesome Job.
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.

Reply from Cardinal Financial Company
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!
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!
Great rate and kept me updated. Probably the busiest time off the year for home loans but my refinance closed within reason and I’ve got no regrets. Thank you Cardinal!
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….

Reply from Cardinal Financial Company
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.
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!
Tim Moore is the absolute best loan originator we have ever worked with! Exceptional service!
Zach and his team were excellent! They went above and beyond to assist us in purchasing a home! They were responsive, competent competitive.
Michele Cohen did a bang up job of finding the best possible rate and terms for my Refi.
Highly recommend!
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 .
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.
Great staff and very consistent. Dawn was my loan officer and she was great with follow up and very organized. Highly recommend!
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!!
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!
Worked with Jack and had an unbelievable experience. He mad it super easy and I hope to work with Jack and Cardinal again in the future!
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.