Monday, November 9, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
585 reviews
Cardinal Financial CompanySelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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.
Cardinal Financial Company (cardinalfinancial.com) has 585 customer reviews on The Fair Hearing, with an average rating of 4.2 out of 5.
585 approved reviews, newest moderated first
Not knowing Cardinal Financial, I was skeptical. Nick Bowles alleviated that within the first week with his patient responses to inquiries ethat continued throughout the loan process. His knowledge of mortgage lending is excellent. It's because of Nick's caring about his clients that I have already sang he praises of Nick and Cardinal Financial.
By Joseph S.
This company baits and switches you promises the sky to get you in. Once you have done all the leg and have been in process paid the appraisal fee and have been appraised and turned in everything they have asked for within 24 hours of asking for it they just stop communicating with you out right period. I have asked one question about my loan for about 3 weeks straight i called multiple times they put up road blocks promising they would call back but there not available when i call in at regular business times either. I emailed the agent directly and there supervisor directly Tellie Avilla and Jessica Nolan. No response. I have multiple tickets in for the same issue no response. Its not like iam not being unreasonable I have asked for an answer and they flat out wont answer it about the loan which makes me wonder what are they hiding what is going on mostly why wont they answer my question. I hate doing this but iam doing this in hopes to actually get a response from the company to get this resolved and in hopes others will be aware since the manager and the loan agent refuse to answer a question about the loan. Please stay away from this company and Specifically Tellie Avilla and Jessica Nolan as they are non responders.
By Craig P.
Response from Cardinal Financial Company· Apr 9, 2021
Hi Craig - Thank you for providing feedback and bringing this to our attention regarding your experience with the Cardinal Financial. We apologize that you experienced a lack of communication during the loan process. 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 at [email protected].
I had a great experience using them. I was kept up to date in the process from start to finish. I am happy to refer my friends to them for their loan needs.
By Joy
I don't think I have ever encountered a more unprofessional outfit in my life. Totally unresponsive. AVOID.
By Clairice S.
Response from Cardinal Financial Company· Apr 9, 2021
Hi Clairice - Thank you for taking the time to post a review regarding your experience with Cardinal Financial. We strive to provide a five star experience for all of our consumers during the loan process and we apologize if we missed the mark here. We would like the opportunity to speak with you regarding your experience. Please contact our Consumer Advocacy department at (704) 970-4124 or via email to consumer.advocacy@cardinalfinancial.com.
It was an amazing experience!!!
By mary anne B.
Working with James Marshall was great. He was responsive when I called with questions. He made me feel that my business was important to him. He also paid for unexpected delays and made sure that all our needs were met. Thanks James!
By Trish P.
This company used Octane, which allowed me to see everything online (to do list, completed tasks, etc). Whenever changes were made I received an email or even if new tasks needed to be done. It was great communication and the closing went very smoothly. I even closed 9 days earlier than expected.
By Vanessa
Gannon and Marisol both made it great, especially Gannon every step of the way. He's a true professional, smart, knowledgeable, and based on all of my prior home loans experiences in life, I have to say that Gannon must be the hardest working loan officer in the entire USofA! Gannon worked relentlessly to obtain the best interest rate and terms possible, and that beat all competitors. Huge thanks to Gannon and the entire team at Cardinal.
By Neo M.
