Deliver the best mortgage experience possible.

Our Brand Philosophy

We started Cardinal Financial with the intention of energizing an industry and reimagining what mortgage lending could be. We created a revolutionary, proprietary software to drive our business but soon found out that innovative tech is nothing without innovators behind it. We realized there’s an entrepreneurial spirit within all of us here at CF. Like a red thread that connects us, it’s a passion in our hearts that drives us to embrace new challenges and engineer innovative solutions.

We believe it’s our responsibility to foster that passion in ourselves and in others through our brand, our culture, and our product. We strive to provide more than mortgage lending, and in that same vein we realize that our biggest asset is our people. So while the rest of the mortgage industry is interested in short-term gains, we’re investing in technology and training our team—always having one hand in the future.

The difference between a bank and mortgage banker

What We Stand For

Knowing what our customers want helps us better meet their needs.


Flexible Products

We believe in fitting the product to the customer, not the customer to the product.


Secure the Insecure

We believe what’s private should stay private. Our trustworthiness instills confidence.


Keep It Real

We believe in being real with our customers. We listen to them and present their best options.


Simplify the Complex

We believe in the power of simplicity. With Cardinal Financial, hassle-free lending is possible.

It’s in Our DNA

Mortgage-made for delivering the best experience possible.

Lean Mean Mortgage Machine

We prefer a lean, flat organizational structure where all employees have contact with upper management in order to elevate suggestions and escalate questions. We remove silos and foster cross-functional and associate relationships. This approach sets us up to move fast and work efficiently without the burden of red tape and bottlenecks. Plus, the less we spend on multiple managers reporting to each other, the more we have to invest in you.

A Need for Speed

The world is moving faster than ever and we believe you’ve got to be fast if you want to be the best. That’s why we’ve invested in building our own proprietary loan origination system that removes friction, compresses turn times, and streamlines the lending process. It’s fast, efficient, scalable, and always improving. We’re a team of innovators, so it doesn’t end with technology. Coupled with our efficient internal processes, we’ve continued to be thriving and profitable even in an ever-changing, unpredictable market.

The Common Good

We believe that the success of the team is more important than that of the individual. Our team is comprised of doers who share a problem-solving mentality and a passion for working toward solutions. We hold each other accountable and expect the best from each other in order to execute our mission. Every action we take as individuals cultivates and models our culture of empathy, expertise, execution, and efficiency from the top down. No one is too good to roll up their sleeves.

Catch a behind-the-scenes look at how we do what we do.

This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at time of origination. Rates and terms are subject to change without notice. Corporate Address: 3701 Arco Corporate Drive, Suite 200, Charlotte, North Carolina 28273. Cardinal Financial Company, Limited Partnership, NMLS ID 66247. For licensing information, go to Additional licensing information can be found at: