CHARLOTTE, NC – May 12, 2025 – Cardinal Financial, a forward-thinking mortgage lender committed to simplifying the home loan process, was recently re-certified as a Great Place to Work® for the fourth consecutive year. This recognition, based on direct feedback from employees nationwide, reflects the company’s consistent efforts to cultivate a positive, inclusive, and high-performing workplace culture. 

According to the 2025 Great Place to Work® survey, 93% of Cardinal Financial employees say it’s a great place to work – well above the national average of 57% for U.S.-based companies. Employees also cited high levels of satisfaction in key areas: 

• 98% felt welcomed when they joined the company 
• 96% said they feel comfortable being themselves at work 
• 96% believe the facilities create a positive work environment 
• 95% feel they have the resources and tools they need to succeed 

“This recognition reflects the talent and determination of our team — the people driving the technology that’s transforming the mortgage experience,” said Kelsey Webb, Director of Human Resources at Cardinal Financial. “We’ve built an environment where people can grow, make a meaningful impact, and help shape what’s next.” 

Cardinal Financial’s digital-first structure and custom-built loan platform, Octane®, enable team members to collaborate efficiently while providing borrowers and brokers with a streamlined and transparent mortgage experience. The company’s approach prioritizes both technology and human connection, ensuring customers receive expert guidance, powerful tools, and dedicated support throughout the home ownership journey. 

In addition to its focus on culture, Cardinal Financial continues to stand out in the industry with: 

• A balanced wholesale and retail model that meets the needs of brokers, loan officers, and consumers alike 
• A commitment to financial literacy, empowering borrowers with smart tools and personalized resources 
• A wide range of mortgage solution products designed to increase access, including Non-QM and alternative credit options 

Earlier this year, Cardinal Financial was also named one of the 2025 Best Large Mortgage Companies to Work For by National Mortgage News, further reinforcing its standing as an employer of choice and a leader in responsible lending.

About Cardinal Financial Company:

Cardinal Financial is a forward-thinking mortgage lender committed to simplifying the home loan process. Powered by Octane®, an advanced loan origination technology platform, Cardinal Financial delivers a fast, efficient, and seamless experience for borrowers. With a commitment to innovation and exceptional customer service, Cardinal Financial is dedicated to helping customers achieve their financial goals with ease and confidence. Learn more at www.cardinalfinancial.com and follow us on Facebook, Instagram, X (formerly Twitter) and LinkedIn.

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Cardinal Complete simplifies loan processing by providing brokers with an expert-managed, transparent, and cost-effective solution powered by Octane®, a custom-built loan origination system designed for speed and efficiency. For brokers facing in-house processing capacity constraints, or those dealing with fragmented third-party services that add overhead, Cardinal Complete delivers a seamless, fully supported workflow that enhances efficiency and profitability.

Key Advantages of Cardinal Complete:

• End-to-End Loan Processing – A dedicated team of specialists works alongside brokers to ensure smooth file handling, collaborative compliance oversight, and quality control—significantly reducing the operational burdens brokers typically manage on their own.
• Time Savings – Save significant hours on every loan by eliminating manual processing tasks and administrative bottlenecks.
• Predictable, Built-In Pricing – At $895 per loan, brokers avoid unpredictable costs and high third-party fees, which can reach up to $1,400 per file. 
• Real-Time Loan Visibility – Brokers maintain complete oversight with instant access to loan status updates, allowing them to focus on client relationships, growing their business, and reclaiming valuable time for what matters most – their work-life balance.

“Loan processing can drain time and resources, often requiring brokers to spend hours managing certain tedious administrative tasks,” said Karl Benjamin, EVP of Wholesale at Cardinal Financial. “Our broker partners have consistently asked for an all-inclusive processing solution, and we listened. Cardinal Complete removes those roadblocks, giving brokers an efficient, scalable solution so they can focus on growing their pipelines.”

With Cardinal Complete, brokers gain a trusted processing partner that elevates their efficiency, reduces costs, and enhances the borrower experience.

For more information on Cardinal Complete, visit www.cfwholesale.com/cardinalcomplete.

About Cardinal Financial Company:

Cardinal Financial is an innovative, customer-focused mortgage company focused on delivering personalized lending solutions. Powered by Octane®, an advanced loan origination technology platform, Cardinal Financial delivers a fast, efficient, and seamless experience for borrowers. With a commitment to innovation and exceptional customer service, Cardinal Financial is dedicated to helping customers achieve their financial goals with ease and confidence. Learn more at www.cardinalfinancial.com and follow us on Facebook, Instagram, X (formerly Twitter) and LinkedIn.

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The Non-QM product suite will include four flexible options: 

• Non-QM Prime: Flexible documentation for creditworthy borrowers.
• Non-QM Prime Plus: Higher loan limits for borrowers with strong credit.
• Non-QM Foreign DSCR: Financing for international investors without U.S. credit history.
• Non-QM Investor Solutions DSCR: Loans based on property cash flow for U.S.-based real estate investors.

Cardinal Financial Wholesale leverages Octane, an advanced loan origination technology platform, to streamline and enhance the loan process, including Non-QM loans. Octane is designed to help brokers simplify complex loans, freeing up time to focus on building valuable client relationships. 

“Our Non-QM suite equips brokers with a comprehensive solution to meet diverse borrower needs,” said Karl Benjamin, EVP of Wholesale. “With advanced technology, a broad product lineup, and a commitment to broker success, Cardinal Financial Wholesale provides the tools brokers need to excel.” For more information on Cardinal Financial Wholesale’s Non-QM product suite visit cfwholesale.com/lp/non-qm/.

About Cardinal Financial Company:

Cardinal Financial is a dynamic, forward-thinking mortgage company focused on delivering personalized lending solutions. Powered by Octane®, an advanced loan origination technology platform, Cardinal Financial delivers a fast, efficient, and seamless experience for borrowers. With a commitment to innovation and exceptional customer service, Cardinal Financial is dedicated to helping customers achieve their financial goals with ease and confidence. Learn more at www.cardinalfinancial.com and follow us on Facebook, Instagram, X (formerly Twitter) and LinkedIn.

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FICO® Score 10 T incorporates trended data to provide lenders with a more comprehensive understanding of credit behavior over time, enabling more accurate risk assessments while expanding opportunities for borrowers, including veterans and active-duty military personnel. FICO collaborated with the U.S. Veterans Administration (VA) to confirm acceptance of FICO Score 10 T ahead of the widespread transition as required by the Federal Housing Finance Agency.

Cardinal was one of the first lenders to adopt FICO Score 10 T for its non-G3SE loans and began utilizing this more predictive credit scoring model to originate VA loans in October 2024. With the use of FICO Score 10 T, Cardinal reports that the majority of borrowers received higher credit scores, allowing more favorable loan terms to be offered with no observable increase in credit risk to the lender.

Cardinal’s pool was traded to a primary dealer on November 25. The issuance is not only expected to enhance liquidity for future loans decisioned with the help of FICO® Score 10 T, but also further expand the use of FICO’s newest credit score within the secondary market.

“Today’s announcement underscores Cardinal’s role as a leader in rethinking how we measure and manage credit risk,” said Michael Gaines, senior vice president of Capital Markets at Cardinal Financial. “By leveraging FICO Score 10 T, we’re not only improving credit risk transparency for investors but also expanding homeownership opportunities for veteran and military borrowers.”

More than 21 mortgage lenders nationwide have proactively adopted FICO® Score 10 T for non-GSE loans. FICO is committed to assisting mortgage industry participants looking to transition to its most predictive scoring model. The FICO Score Migration Resource Center provides a detailed guide to support organizations through their score transition with key planning steps, activities, and implementation best practices.

“We are thrilled to see FICO Score 10 T at the heart of this milestone security,” said Joe Zeibert, vice president of Mortgage and Capital Markets at FICO. “By helping to enable smarter, more precise lending decisions, FICO is driving innovation that supports both financial institutions and the communities they serve. We encourage mortgage investors to consider the advantages of incorporating FICO Score 10 T into their models.”

About FICO

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.

Learn more at https://www.fico.com/en.
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/.
For FICO news and media resources, visit https://www.fico.com/en/newsroom.
FICO and Score A Better Future are trademarks or registered trademarks of Fair Isaac Corporation in the U.S. and other countries.

About Cardinal Financial

Cardinal Financial is a dynamic, forward-thinking mortgage organization committed to designing an exceptional experience and tailored home financing solutions for borrowers. Licensed to sell directly through Fannie Mae, Freddie Mac, and Ginnie Mae, the firm operates in all 50 states, offering a wide range of lending options to help more people achieve homeownership. Cardinal Financial’s innovative approach is powered by Octane®, their custom-built loan origination platform, designed to streamline the lending process from start to finish. Visit CardinalFinancial.com for more information.

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“Be genuine, design solutions, raise the bar—our company values, like these, mean we’re always looking for ways to build trust with our employees, provide ample resources for them to grow, and celebrate all the amazing things they bring to the workplace,” says Kelsey Webb, Director of Human Resources Employee Experience at Cardinal Financial.

Great Place To Work^® is a global leader in workplace culture, helping organizations create a consistently and overwhelmingly positive employee experience. According to Great Place To Work research, job seekers are 4.5 times more likely to find a great boss at a Certified great workplace. Additionally, employees at Certified workplaces are 89% more likely to earn a fair share of the company’s profits, 57% more likely to have a fair shot at promotion, and 85% more likely to want to stay with the company for a long time.

Among noteworthy feedback from the Cardinal Financial team, 89% of surveyed employees believe the company is a great place to work—in contrast to a typical company average of 57%. Employees also overwhelmingly agreed that:

• They are proud to tell people where they work (91%)
• They felt welcomed upon joining the company (95%)
• They are able to take time off when necessary (94%)
• They are given the resources and equipment needed to do their job (92%)
• People care about each other here (91%)

“We always strive to give our people what they need to do their best,” says Laura Weber, VP of Human Resources at Cardinal Financial. “To earn this distinction for the third year running is confirmation that we’re evolving in the right ways. And as markets and careers evolve, we’re committed to growing with them and remaining a truly great place to work.”

About Cardinal Financial

We started Cardinal Financial with a passion for developing a better mortgage experience. Our proprietary loan origination software, Octane^®, is a sure advantage, but we soon found out that revolutionary technology only goes so far without revolutionary people. We place a premium on hiring talented, forward-thinking, entrepreneurial spirits who are committed not only to reimagining the possibilities of mortgage lending, but to delivering a personal experience to every borrower every time. We take a tremendous amount of pride in our people because they’re what sets us apart from the rest. Our culture is strengthened by self-starters who look forward to coming to work every day and are willing to go the extra mile for their colleagues and their clients. Cardinal Financial is where your career meets your calling. Join us and be a part of something more than mortgage lending. For more information about Cardinal Financial, visit cardinalfinancial.com or follow us on social media: facebook.com/cardinalfinancial and @CardinalFinancial on Instagram.

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