Cardinal Financial NMLS #66247
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Who is Cardinal Financial?
Cardinal Financial (NMLS #66247) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerCardinal Financial
- NMLS #66247
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 16,771 applications decided by CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP in 2025, 12,657 were originated, 2,301 were approved but not accepted by the borrower, and 1,813 were denied.
- Median rate spread0.546 (reported on 12,132 originations, 525 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 89.2%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Cardinal Financial
Overview
Cardinal Financial Company, LP is a residential mortgage lender. The company uses Speed to Mortgage™ as the name for its consumer mortgage process.
Mortgage options
Mortgage options include conventional, FHA, VA, USDA, jumbo, and adjustable-rate mortgage loans. The company also offers purchase loans, refinancing, cash-out refinancing, renovation financing, home-building loans, and home-equity access.
How it works
Borrower tools include rate-quote requests, loan-status checks, payment access, and a loan-originator search.
Locations
Cardinal Financial Company, LP has 544 branches across 43 states.
Company details and licensing
The legal entity is Cardinal Financial Company, Limited Partnership. Trade names include Cardinal Financial, Sebonic Financial, and Lending Path Mortgage. The company is headquartered at 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. It was formed in Pennsylvania on November 23, 1987. Its NMLS company ID is 66247. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #66247 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is Cardinal Financial's NMLS number?
Cardinal Financial's NMLS number is 66247. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Cardinal Financial's NMLS ID?
Yes. We checked Cardinal Financial's company name and NMLS ID against the NMLS record on November 5, 2025. They've been in our lender network since September 2014. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Cardinal Financial?
This page has Cardinal Financial's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.