Mortgage Banker
Cardinal Financial
Cardinal Financial is a Charlotte, NC-based mortgage banker that originates and funds a wide array of residential mortgage loans, including conventional, government-backed, and non-qualified mortgages, for both home purchases and refinances.
Key Statistics
As of December 2025, public records show Cardinal Financial has originated approximately $3.0B in loan volume over the past 12 months, with an average loan size of $286k.
Volume (12mo)
$3.0B
Avg Loan Size
$286k
Total Mortgages
411,685
Total Borrowers
136,532
Lending Entities
Cardinal Financial funds loans through the following entities. These are the legal entities that appear on recorded mortgage documents.
370,677 mortgages recorded
37,971 mortgages recorded
+143 more not shown
Geography
Cardinal Financial's lending activity is concentrated in the following states, based on recorded mortgage data from the past 12 months.
Mortgages (12mo): 1,895
Volume (12mo): $570.2M
Total Volume: $15.0B
Mortgages (12mo): 1,163
Volume (12mo): $388.1M
Total Volume: $11.2B
Mortgages (12mo): 676
Volume (12mo): $148.8M
Total Volume: $1.4B
Top Borrowers
The following individuals have the most recorded mortgage transactions with Cardinal Financial. Click on a borrower to view their full investor profile.
+136,529 more not shown
FAQ
What type of lender is Cardinal Financial?
Cardinal Financial is classified as an mortgage banker based on our research. Mortgage bankers are residential lenders that fund loans from their balance sheet or warehouse lines. They have a mix of business (0%) and personal loans in their portfolio.
What entities does Cardinal Financial fund loans under?
Cardinal Financial originates mortgages through 145 different lending entities. The most common include Cardinal Financial and Cardinal Finl. These are the legal entity names that appear on recorded mortgage documents.
Where is Cardinal Financial most active?
Based on recorded mortgages, Cardinal Financial is most active in Texas, Florida, and Indiana.
How many loans has Cardinal Financial originated?
Public records show 411,685 mortgages recorded for Cardinal Financial, with $3.0B in volume over the past 12 months.
What is the average loan size for Cardinal Financial?
The average mortgage size for Cardinal Financial is $286k based on all recorded mortgages.
Does Cardinal Financial offer short-term loans?
Cardinal Financial primarily offers long-term financing, with only 0% of loans being short-term.
How is this data collected?
Elementix aggregates mortgage data from public county records across the United States. We use AI to normalize lender names, identify aliases, and connect borrowers to their lending relationships.