When Cardinal Financial started, it set out with the intention of creating a better mortgage experience. It wanted to reimagine and modernize the way home loans are obtained by bringing increased transparency, simplicity, and speed into an industry that has oftentimes lacked all three. Fast-forward to present day and Cardinal Financial is still the same group of innovative thinkers who want to turn the mortgage industry on its head.
Backed by its proprietary loan processing technology, Octane, Cardinal Financial consistently offers some of the lowest rates and fastest closings in the industry while providing great service and striving to deliver a personal experience to all who choose to do business with it. Cardinal Financial is committed to transforming the trying process of buying a home into a simple procedure that doesn’t drain the joy of accomplishing a lifelong goal.
Cardinal Financial Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 01/15/2021.
4.6
3,594 reviews
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Cardinal Financial
daniellefugatebf @daniellefugatebf
Working with Cardinal Financial has been an absolute nightmare. Zero communication skills whatsoever. Nobody does their job. I can never get ahold of anybody I need to speak to. Was supposed to close on my home today, so we showed up to the title company only to find out they canceled our closing. They didn’t feel like letting us know I guess. Closing has been pushed back 3 times because of lack of communication and unprofessionalism. Hopefully, we can close next week? I 100% regret getting a loan through cardinal.
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Product: Cardinal Financial Conventional
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Cardinal Financial
Barrie Kay @abbarrie200792
Carol Wilkes, we want to thank you for the wonderful work that you did for us during the home buying process. We really appreciate your excellent service and truthfulness. You are best sales person that I have ever deal with in the United States. You are so special to our family. May God bless you and continue to keep you strong and healthy. If we have to do business with you again, we will do it million times without any hesitation. You really care and personate about your customers. We have moved in to the new house and we really love it. You make it possible for us to get this beautiful house. Thank you billion times. Also extend our thanks and appreciation to your team as well. We will keep in touch. Have a great day.
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Product: Cardinal Financial Conventional
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Cardinal Financial
Hubert Stafford @cowboizfan21
Started out ok but very poor customer service was very difficult to work with through hard times messed up our credit report because we asked for an extension we never got that's right they sent negative info to the credit bureau and we hadn't even finalized anything and ended up not needing the break !!!
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Product: Cardinal Financial VA
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Cardinal Financial
dzifaaggrey @dzifaaggrey
This doesn't make sense at all. I have wasted all this time and resources just to realize you guys didn't approve of the loan. This doesn't make sense at all. I have wasted all this time and resources just to realize you guys didn't approve of the loan I had my credit score up u asked me to take the disputes and then my credit dropped. I thought the interest rate was locked so why will they recheck. Like I said I don't trust these a lot of these mortgage companies. They discriminate and very dishonest more than half of the time. I have to request and rash payoff statements to you twice. This is so bad. Ridiculous Phan!!!. Very inhumane of you guys. May God bless your company.
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Product: Cardinal Financial Conventional
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Cardinal Financial @CardFinancial
Thank you for taking the time to provide feedback and for bringing this to our attention. We would like the opportunity to speak with you to see if we can assist. At your convenience, please contact the Cardinal Financial Consumer Advocacy department at (704) 970-4124 or via email to [email protected]ncial.com.
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Cardinal Financial @CardFinancial
Thank you for taking the time to provide feedback and for bringing this to our attention. We would like the opportunity to speak with you to see if we can assist. At your convenience, please contact the Cardinal Financial Consumer Advocacy department at (704) 970-4124 or via email to [email protected]ncial.com.
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Cardinal Financial
cornrox @cornrox
Liars and time wasters. They won't close your loan, ever. They asked for dozens of documents that I gave almost immediately, and never gave final approval. After weeks of no updates on approval, I finally told them I need an answer because my purchase agreement was expiring.. they denied my loan and then lied about why I was denied out of spite to void my deposit. Predatory lending at the core. Stay away.
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Product: Cardinal Financial FHA
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Cardinal Financial @CardFinancial
cornox - 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 Consumer Advocacy department at (704) 970-4124 or via email to [email protected]ncial.com.
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Cardinal Financial
herabeth @herabeth
We had a great team at Cardinal - we extended our offer on 11/27/20 ... it was accepted on 11/29/20 and we closed on 1/5/2020...40 days. When the underwriter would ask for something we did our part and turned it around most times the same day. Updates were a little slow during the holidays but that’s to be expected. We couldn’t have asked for a better team Brad Hamblen is a fantastic loan officer to work with.
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Product: Cardinal Financial VA
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Cardinal Financial
Kathryne Blair @kathryneblair86
This bank has the absolute worst mortgage and customer service team in the history of banking. Moved our closing date three times, after asking for a never ending slew of paperwork. Never followed through on a single timeline or promise. Paid for appraisal. Denied right before closing.
I am now trying to get my denial letter so I can get my earnest deposit back and hitting more brick walls. No timeline. More excuses.
Update: got my denial letter and they purposely LIED on it to try and prevent us from getting our escrow back. I will be filing a federal complaint. Good luck proving what you said on the denial letter, and enjoy your fine.
Run away from this company so they won't waste your time or money.
Cardinal- don't give me the reply that you want me to contact you to make things right. We have called every customer service number we can find, and you dont care.
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Cardinal Financial @CardFinancial
Hi Kathryne - we are sorry to hear of your frustrations with Cardinal Financial. We would like to get in touch with you. If you could provide us your contact information, we would be happy to reach out. Otherwise, please email [email protected] and we will get back to you right away.
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Cardinal Financial
Ken Mason @kmason108
They may have competitive rates BUT their customer service (non-service) is abysmal. Useless, unhelpful email or "online request" replies - mostly asking you to call. And the Wait times are horrendous. Even after 1 hour (60 minutes of my life) no one picked up during working hours. Find someone else - for both your blood pressure AND avoid wasting the remaining hours of your life.
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Product: Cardinal Financial Conventional
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Cardinal Financial @CardFinancial
Ken - Thank you for your feedback. We apologize that you did not have a positive experience during the loan process with Sebonic Financial and that you experienced issues with unresponsiveness to your outreaches from the Sebonic loan team. We would appreciate the opportunity to gather some additional information from you regarding your experience. At your convenience, please contact our Consumer Advocacy department at (704) 970-4124 or via email to [email protected]ncial.com.
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Cardinal Financial
Madhu L @madhulm
Erik Levy from Cardinal financial made whole loan process easy and explained us every step and make us comfortable. This is second time with Erik and I will recommend Erik for my friends. Simply put - Erik is an awesome resource when it comes to mortgage and process it involves.
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Cardinal Financial
noneill22 @noneill22
I did a refinance in May of 2020, We asked that an escrow be setup. I have emailed called and Facebook messaged without a response. I sent all my tax forms as I should have, and you failed to complete this or even get back to me. Now our taxes are going to Lien because you couldn't do what was requested. You are a terrible company how could you not respond to a customer?
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Product: Cardinal Financial Conventional
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Cardinal Financial @CardFinancial
Thank you for taking the time to provide feedback and for bringing this to our attention. We would very much like the opportunity to speak with you so that we can assist, but do not have your contact information in this review. At your convenience, please contact the Cardinal Financial Consumer Advocacy department at (704) 970-4124 or via email to [email protected]ncial.com.
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dzifaaggrey @dzifaaggrey
Ridiculous Phan!!!. Very inhumane of you guys. May God bless your company.
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+78 users submitted a rating without writing a full review
We are currently at the end of a rate extension. Our rate expired after our mortgage officer took a week off and we had no returned phone calls, e mails or texts from anyone on our loan team. It seems there was an issue in underwriting and rather than informing us so it could be corrected, our loan was kicked out of the system. Since our loan officer was on vacation, no one told us anything. So, here we are at the end of that rate extension and still no closing. We have provided every document needed and promptly e signed all documents. We have no idea when we will close and are not at all sure if it ever will. I regret starting this process with Cardinal.
