Mortgage Lender Reviews & Ratings » Cardinal Financial
Key Facts
- LenderCardinal Financial
- NMLS # 66247
- Overall rating4.7 out of 5
- Total reviews4983
- Review sourceAverage Available Sources
- Last updated
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About Cardinal Financial
Overview
Cardinal Financial Company, LP is listed in NMLS records as Cardinal Financial Company, Limited Partnership, NMLS ID 66247. According to those records, the company is based in Charlotte, North Carolina, and was formed in Pennsylvania.
The company website at cf.loans presents Cardinal Financial as a mortgage company offering home purchase and refinance information, with pages for first-time home buyers, cash-out refinance, renovation, building a home, and several mortgage options. The site also lists partner categories including builders and contractors, real estate agents, and wholesale brokers.
Publicly listed trade names include Cardinal Financial, Sebonic Financial, Peoples Home Equity, Lending Path Mortgage, CF Wholesale, and several others. As with many mortgage companies, the name on the sign may vary, while the NMLS company ID remains the cleaner ledger line.
Business Type
NMLS records list the company’s business structure as “Other,” while the legal name is Cardinal Financial Company, Limited Partnership. Based on the available evidence, the company is not clearly labeled as either a direct lender or a mortgage broker.
The company website discusses both buying a home and refinancing a home. It also includes partner pages for builders and contractors, real estate agents, and wholesale brokers.
Website Branding
The provided website URLs are cf.loans, online.cardinalfinancial.com, www.cardinalfinancial.com, and www.sebonic.com. The cf.loans page is branded as Cardinal Financial and describes refinancing and mortgage options online.
Trade names listed in the provided evidence include Cardinal Financial Company, Cardinal Financial Company, L.P., Cardinal Financial Company, Limited Partnership, Lending Path Mortgage, Membrillo Team, Moore Lending Group, Peoples Home Equity, Sebonic Financial, cf.loans, LoanLynx, The Veteran’s Mortgage Source, CF Wholesale, Featherstone Mortgage, Featherstone, Benton Capital, PriMo Loans, Pruitt Approved, Q&A Mortgage Team, Hometown Mortgage Team, MVMGRP, Cardinal Financial, Heritage Home Loans, Sebonic, Peoples Home Lending, Cardinal Mortgage, Sebonic Financial, L.P., and Lend Genie.
Headquarters
According to NMLS records, Cardinal Financial Company, Limited Partnership lists its main address as 3530 Toringdon Way Suite 200, Charlotte, NC 28277, United States.
NMLS records list the company as formed in Pennsylvania, United States. The provided evidence does not include an address history beyond the current address shown above.
Years in Operation
NMLS records list Cardinal Financial Company, Limited Partnership as formed on November 23, 1987.
Using 2026 as the reference year, that places the company’s formation 39 years ago on a calendar-year basis.
Loan Types
The Cardinal Financial website lists mortgage options including conventional loans, VA loans, FHA loans, USDA loans, and jumbo loans. The provided website data also detected ARM content from the site’s mortgage resources.
The site includes purchase and refinance paths, including first-time home buyer resources, cash-out refinance, renovation, and building a home. It also uses the phrase “Personalized Solutions” in its mortgage options menu.
Licensing Footprint
The provided NMLS Consumer Access fetch was blocked, so the available state licensing list in this evidence comes from the Sebonic website licensing page rather than a direct NMLS Consumer Access download.
Based on that website licensing page, Cardinal Financial is listed in 8 states: HI, ID, IL, IN, MN, MO, NC, and OR. Licensing information can change, and website-sourced license lists should be verified against NMLS Consumer Access or directly with the lender.
Scale
The provided branch data lists 570 branches for Cardinal Financial Company, LP.
Those branches are listed in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, and WY.
Reputation
The BBB evidence provided for this profile did not include a BBB rating. It listed accreditation as false, with low confidence in that match.
No notable industry awards or recognition were identified for this lender at this time.
NMLS ID
Cardinal Financial Company, Limited Partnership is listed with NMLS company ID 66247.
Consumers can use the NMLS Consumer Access website to verify the company’s license status, legal name, and other public registration details.
Disclaimer
This lender profile is for informational purposes only. Cardinal Financial Company, Limited Partnership is listed with NMLS ID 66247.
Mortgage licensing information is subject to change. Readers should verify current license status directly with the lender or through NMLS Consumer Access before making decisions based on this profile.
NMLS #66247 — Verify on NMLS Consumer Access — Profile last updated: July 11, 2026
Ratings & Reviews
This is good
After talking with Steve Wilson, I felt very comfortable and relaxed. I would highly recommend Steve. I hope he is the person that works with me. I really wanted an Equity Line of Credit, but he interested me into refinancing with a cash out payment. We will see. Keep up the good work Steve!
Comfortable and Relaxed.
After talking with Steve Wilson, I felt very comfortable and relaxed. I would highly recommend Steve. I hope he is the person that works with me. I really wanted an Equity Line of Credit, but he interested me into refinancing with a cash out payment. We will see. Keep up the good work Steve!
GREAT!!!!
Great experenice with Chris from Cardinal. Helped her understand her options and got her the best rate
Frequently Asked Questions
What is Cardinal Financial's NMLS number?
Cardinal Financial operates under NMLS #66247. You can verify its license on the NMLS Consumer Access database at nmlsconsumeraccess.org.
How is Cardinal Financial rated by customers?
Cardinal Financial has an average rating of 4.7 out of 5 based on 4983 reviews aggregated from Average Available Sources.
Where can I read reviews of Cardinal Financial?
Verified consumer ratings and reviews of Cardinal Financial are published on this FreeRateUpdate.com lender profile page.