This means you can apply online, upload files on your to-do list, and securely e-sign documents instead having to rely on email or a fax machine. Their goal is to make getting a mortgage both faster and easier by eliminating common pain points and leveraging technology. If you go the online route, first you select a loan officer, then you can visit their personal website and apply for a home loan instantly.Ĭardinal Financial relies upon its proprietary home loan platform known as “Octane,” which as the name implies is built for speed. You can also call them up over the phone if you’d prefer to get things started that way. Once you visit the Cardinal Financial website, you can search for a loan officer by name or by location, or simply request a free rate quote. Generates a personalized to-do list so you know what needs to be done to get to the finish line.Allows you to apply online, e-sign documents, and track loan progress 24/7.They offer a digital mortgage application and loan process known as Octane.You can call them up directly, request a free rate quote, or connect with a loan officer online.How to Get a Mortgage with Cardinal Financial Lastly, they operate a digital startup division known as Sebonic Financial, which appears to be their online-only mortgage department. They also operate a wholesale lending division for mortgage brokers, so it’s possible to obtain a mortgage from Cardinal Financial indirectly if your broker is approved to work with them. While they do a lot of business all across the nation, their biggest state based on volume in 2019 was Texas, followed by California, Tennessee, Washington, and Nevada.Ībout half of their total volume was for home purchase financing, so it’s clear they’ve got a good relationship with real estate agents. They are licensed in all 50 states and the District of Columbia, which is a somewhat rare feat unless we’re talking about the largest mortgage lenders in the nation.Īs it stands, they’re a top-40 mortgage lender with aspirations to perhaps land in the top-25 at some point. Also operate a wholesale lending division for mortgage brokersĬardinal Financial is a direct-to-consumer mortgage lender with 118 branches nationwide.On their way to being a top-25 mortgage lender nationally.
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