Cardinal Financial Mortgage Rates, Fees & Info

1.7 stars - Updated: 7/7/25 - out of 5 stars, based on 124 reviews

Review & Overview

Cardinal Financial is a mid-sized mortgage company specializing in Home Purchase loans. Cardinal Financial has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Dallas, Tampa, Houston, and Las Vegas among others. We have data for 643 markets. (Some data included below & more in-depth data is available with an active subscription.)

Cardinal Financial has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cardinal Financial is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.87%	7/7/25
30 Year Conventional Refi	6.93%	7/7/25
30 Year Cash-out Refi	7.36%	7/7/25
30 Year FHA Purchase	7.50%	7/7/25
30 Year FHA Refi	6.95%	7/7/25
30 Year VA Purchase	6.81%	7/7/25
30 Year VA Refi	6.12%	7/7/25
30 Year USDA Purchase	7.31%	7/7/25
30 Year USDA Refi	6.34%	7/7/25
15 Year Conventional Purchase	5.13%	7/7/25
15 Year Conventional Refi	5.88%	7/7/25
15 Year Cash-out Refi	5.88%	7/7/25
15 Year FHA Purchase	6.56%	7/7/25
15 Year FHA Refi	5.91%	7/7/25
15 Year VA Purchase	5.94%	7/7/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Cardinal Financial Mortgage Calculator

Originations

15,327

Origination Dollar Volume (All Markets)

$4,586,135,000

Awards