Cardinal Financial Mortgage Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores Cardinal Financial Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
3 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
2 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
4%2 out of 5 - Where and what they lend
How many states and loan types this lender serves.
99%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Both of those measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
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What Bankrate's editors think
Cardinal Financial’s edge is breadth, not price. It’s licensed in all 50 states and D.C., with niche products most lenders skip — FHA 203(h) disaster-relief loans, one-time-close construction loans and financing for tiny homes and container homes through its Unique Home program. It says it’ll consider refinance applicants with scores as low as 550.
But Cardinal’s loans are pricier than most lenders that Bankrate reviews in interest, fees and points over time. Complaints are also a bit high — about 3.4 per 1,000 loans — and roughly 1 in 6 approved loans never reaches closing, a weaker close rate than most. It’s important to note that a closing can fall through for reasons beyond a lender’s control, such as an applicant walking away, but it’s still worth understanding Cardinal’s closing process before you sign any paperwork.
Cardinal also doesn’t post rates or fees online — you won’t see pricing until a loan officer calls you back. Unless you specifically need one of its niche loan programs or its low bar for refinancing, there’s not enough here to make Cardinal worth seeking out over a lender that’s more upfront about cost.
At a glance
Good for borrowers who need to refinance despite rough credit — Cardinal says it’ll work with scores as low as 550 — or who need a harder-to-find program like tiny home, container home or disaster-relief financing. Not a good fit if you want to see rates or get preapproved online before you talk to a loan officer.
What consumers say
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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