Mortgage lending done rightTM
Cardinal Financial is a fast-paced, progressive, and professional mortgage lender that focuses on designing solutions for our borrowers and partners — to deliver the best mortgage experience possible.
What’s in it for you?
From our superior pricing and expansive product portfolio to our fast approval times and custom-built loan origination system, Octane®, we’ve designed our offering at Cardinal Financial to help you close more loans, faster.
Our home loan platform, Octane®, is the engine that powers our business, but we know that good tech only goes so far without good people behind it. We're a great mortgage lender, yes, but we also strive to be great leaders, coworkers, and team members. The experience we provide is what sets us apart, and our brand is how we let the world know what we're about.
Plus, we have exceptional capital strength and stability to weather lower industry volumes, increased competition, compressed margins, and rising costs. Multi-channel lender which brings strength through diversification and sustainability between Retail, Consumer Direct, and Wholesale.
30+ years of mortgage lending done rightTM
Innovation is in our DNA.
These core values set the standard for our continued success.
Join the team that puts you first.
We understand that our people make this place what it is.
That’s why we’re committed to fostering an inclusive and ambitious culture; one where team members can collaborate, learn from one another, and take pride in doing the best work of their careers.
What's powering your business?
Meet Octane® — the engine that powers our business. And soon, hopefully yours too.
Cardinal Financial is powered by Octane, our proprietary end-to-end loan origination platform that moves borrowers through the mortgage process with speed and efficiency. And for our loan originators, it’s the most powerful loan assistant available.
Octane improves the customer experience and helps drive down the cost per loan giving you a real competitive advantage.
Multiple instances can be open at the same time to maximize processing efficiency.
All team members can work on the loan at the same time without impeding progress.
Enjoy hassle-free underwriting with no layered conditions or unnecessary wait times.
Automation isn't a buzzword around here. It's a way of life.
Our intuitive technology automates many of the menial tasks in the process, which makes every employee's job less task-heavy and more efficient.
Octane hour
Each night, Octane scans every loan to look for changes causing a DU failure or not eligible characteristics and it alerts you to those scenarios. Also, while you're sleeping… Octane checks all loans against FEMA lists.
Feature Reels
Watch some short videos on the features of Octane.
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WATCHOctane Demo -
WATCHEarly Wire
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WATCHMismatch Screen
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WATCHLender Concessions
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WATCHE-sign by Email
More products.
More options.
All at your fingertips.
Cardinal proudly offers one of the broadest product offerings in the industry, including fully automated in-house 203k and construction loans. We are approved to sell directly to Fannie Mae, Freddie Mac, and Ginnie Mae, and we’re authorized to originate FHA, VA, and USDA loans. Additionally, our jumbo platform includes multi-investors in-house along with additional broker outlets. A wider variety of products and options means a wider variety of solutions and better pricing for your borrowers.
Our loan products.
Every loan is different, but we treat the process the same: with borrower needs at the center. Our loan products are foundational yet flexible to help tailor financing to the borrower, not the other way around.
Conventional & High Balance Loans
Conventional
in all the best ways.
FHA Loans
FHA
flexibility-stacked.
VA Loans
VA
USDA Loans
USDA
Jumbo/Non-QM Loans
Jumbo
high-cost homes.
Condo Loans & Manufactured Housing
Construction Loans
Renovation Loans
Downpayment Assistance
Community Lending
Disaster Recovery & Home Repair Loans
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Condo Loans & Manufactured Housing
Condo loans are the ideal option for homeowners who want to build home equity without sacrificing the city life or community-style amenities. -
Community Lending
With our various community lending programs, the American Dream of homeownership becomes a reality for more people. -
Downpayment Assistance
Down payment assistance programs offer just that—financing to help borrowers cover the closing costs on a mortgage. -
Renovation Loans
With low interest rates and flexible credit requirements, we offer CHOICERenovation®, CHOICEReno eXPress®, and more programs to help borrowers remodel, flip, or add onto their dream homes. -
Construction Loans
For new home builds, we combine product variety with the convenience of a one-time close, rolling the costs of land, labor, and building materials into one closing package for borrowers. -
Disaster Recovery & Home Repair Loans
FHA 203(h) loans offer more accessible terms to help homeowners finance home repairs and get back on their feet after a major disaster.
Order of operations.
The power of choice.
We give you the power to choose which operations model is right for you. Octane also has a big impact on operations by eliminating many administrative or manual tasks required at other companies. This keeps operations team members happier and more productive.
Cardinal offers a hybrid operations model, with the option for local/onsite processing in our retail branch offices, or the ability to leverage our Centralized Corporate Processing team on every loan or on an overflow basis.
This hybrid operations model gives you flexibility to effectively manage your business and choose a solution that is right for you.
Our Centralized Processing team works remotely with team members distributed throughout the United States. This ensures better coverage from a time zone standpoint and better knowledge of your specific markets.
Underwriting
We have many underwriters that are all working remotely across the country to get your loans to the finish line. They are aligned to a handful of different underwriting teams based on their work location and time zones.
Because of our structure, we're able to deliver fast turn times — generally less than 24 hours on average. Underwriting turn times by channel are posted on the Hub daily.
Octane intelligently assigns loans to operations team members based on the loan type, their experience profiles, workload, and capacity.
Navigating your new gig.
We make it easy.
Onboarding team
Offer acceptance through Day 1
Our dedicated retail onboarding team is responsible for the onboarding of new retail production hires.
Integration support
Day 1 through Day 90 or beyond
Our specialized Integration Support team takes over on Day 1 and provides new hire training and production support during transition.
Octane Training
Become proficient with Octane, our loan origination technology that’s changing the industry. The goal: help you streamline processing and build your book of business.
Retail Operations
If you’re here you know that not all retail lending is created equally. We’ll give you the tools to set yourself up for success under the Cardinal Financial umbrella.
Hub Orientation
If you’ve got questions about products, benefits, or anything else, you’ll find answers on our custom intranet, the Hub. We’ll show you how to navigate and search for everything you need.
More ways to market.
Make a bigger impact with our corporate marketing offering—the solid foundational support you need, with the flexibility you'll love.
When it comes to marketing, we’ve got one goal: helping our loan originators better serve their borrowers. How do we do that? We provide an all-access pass to a robust portfolio of marketing tools and technology.
Whether it’s through custom content, reputation management, monthly webinars, or a host of other solutions, we believe there’s no limit to what you can achieve when you’ve got the flexibility to market your services and make the most of your time.
We've stacked the deck to
support your success
Marketing offering
People
Reputation, Reviews, and Referrals
Keep tabs on your personal brand and stay on top of your reviews.
Data
Operational and Customer Insights.
Operational and customer data keeps you more efficient, productive, and successful with your marketing.
Content
Consistent, Engaging, Compliant.
intentional and scalable content that cuts through the noise of the digital world.
Tech
Optimized Marketing Tech Stack.
Our system of record keeps your borrowers informed throughout the entire process.
Work-life balance is the truest benefit.
Cardinal Financial offers employees a comprehensive, high-quality benefits* package, including a choice of medical options that meet family needs, as well as dental, vision, and life insurance. There is no waiting period! Employees are eligible to participate in these benefits beginning on the first of the month following their start date.
We understand that one size doesn't always fit all; therefore, all Cardinal benefit options are offered a la carte.
Pay Periods
Cardinal pays eligible base compensation current as follows:
- 1st through 15th on the 15th
- 16th through end of month on the 30th
- Overtime eligible hours are paid on a lag per the Payroll Schedule.
Commissions
- Period A (1st through 15th) is paid on the 30th payroll
- Period B (16th through end of month) is paid on the 15th of the following month
- Overrides are paid once a month on the 15th for the previous month
Retirement & 401k
Cardinal Financial employees are immediately eligible for 401(k) benefits via The Principal on the first of the month following the start date. Employees are automatically enrolled at 3% with the option to change the deferral rate at any time. Employees are able to make both pre-tax and ROTH IRA contributions.
Upon completion of the eligibility and vesting period, Cardinal Financial matches 50% up to a maximum employee contribution of 5%.
* This is not an exhaustive list of benefit information. Please contact us and we’d gladly answer any questions you may have!
Ready to supercharge your business?
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