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Cardinal Financial

Cardinal Financial

This company is not yet accredited. See reviews below to learn more or submit your own review.

Cardinal Financial is a nationwide mortgage lender offering a wide variety of mortgage products to purchase or refinance a home. With its proprietary loan origination system, Octane, customers experience a more convenient and streamlined process while buying a home or refinancing a loan. Cardinal Financial is available in all 50 states and has helped over 50,000 customers.


Cardinal Financial offers personalized loan options for homebuying and refinancing. The company could be more transparent about rates and fees, but we like that it’s widely available and has many mortgage products.


  • Proprietary Octane platform
  • Flexibility in programs
  • Variety of loan options


  • No mobile app
  • No rates, fees on website
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    Looking to refinance your mortgage?

    See which lender is best for you!

    View Rates

    Cardinal Financial mortgage loans

    Cardinal Financial offers a number of mortgage options to help customers find the right solution for their homebuying and refinancing needs. Its list of loan types includes:

    • Conventional home loans
    • FHA loans
    • Jumbo loans
    • USDA loans
    • VA loans
    • Disaster relief loans
    • Construction home loans
    • Down payment assistance

    Cardinal Financial refinance rates

    Cardinal Financial doesn’t publish rates online, which makes it difficult to compare its borrowing costs with those of other lenders. That being said, its online Octane program allows customers to easily compare their loan options side by side.

    Octane is a proprietary home loan platform that guides you through your mortgage experience with Cardinal Financial. Once you have access and Cardinal Financial has collected information about your property, your credit history, your income and your assets, you can compare rate quotes and loan options. Your loan officer is available to answer any questions you have.

    Cardinal Financial FAQ

    What lender fees does Cardinal Financial charge?
    Cardinal says that origination fees cost anywhere between 0.5% and 1% of the total mortgage loan amount. The company does not publicly disclose information about other fees.
    Does Cardinal Financial have an app?
    No, Cardinal Financial does not appear to have an app.
    Is Cardinal Financial available nationwide?
    Yes, Cardinal Financial operates in all 50 states.
    Where is Cardinal Financial headquarters located?
    Cardinal Financial is based in Charlotte, North Carolina.
    Is Cardinal Financial a bank?
    Cardinal Financial is a mortgage lender. Details about its licensing can be found on the company’s website.

    Is Cardinal Financial a good company?

    Cardinal Financial seems to be a well-rounded mortgage lender. However, it's difficult to find details about current rates and lender fees. Still, because it offers so many loan options and convenience with its digital Octane platform, we think Cardinal Financial is a good company to check out as you compare lender options.

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    Cardinal Financial Company Information

    Company Name:
    Cardinal Financial