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At Cardinal Financial Company, Limited Partnership (“Cardinal Financial”), we understand the importance of your personal and financial information (“Financial Information”). To protect your Financial Information, Cardinal Financial has adopted the following privacy policy. By sharing Financial Information with Cardinal Financial, whether through the Internet, over the phone, or other, you are indicating that you understand and consent to the following.

Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we don’t knowingly attempt to solicit or receive any information from children.

Cardinal Financial will use your Financial Information (such as name, address, social security number, telephone number, email address, etc.) to provide you with the financial services you request, to provide you with information about our financial services and offerings, and for our other everyday business purposes, such as to respond to court orders, comply with regulatory requirements, and conduct internal analysis.

Cardinal Financial may use your Financial Information or website activity to send you email marketing communications. Cardinal Financial may also use your Financial Information and website analytics (described below) to deploy targeted digital marketing and targeted offers.  If you do not want to receive these offers or promotions, send an email to clientcare@cardinalfinancial.com or call 855.561.4944.

Cardinal Financial will not sell or share your Financial Information with outside companies for their promotional use. While credit reporting agencies may share your information with other companies when you apply for a home loan, Cardinal Financial will not do so. You can stop these calls and emails by opting out of these prescreened credit offers, call (888) 567-8688 or visit www.optoutprescreen.com.

Cardinal Financial may record and save the Financial Information you share with us. We may share that Financial Information, on a confidential basis, to service providers such as title companies, credit reporting agencies, appraisers, and others who we work with in handling your loan (“Service Providers”). If you submit a loan application or a request to be prequalified to us, you authorize us to share your credit report and other Financial Information with our Service Providers for the purpose of processing your loan application or request.

In some instances, third parties (such as consultants, auditors, accountants, attorneys, or software developers) may need to access your Financial Information as part of services that they are providing to Cardinal Financial. If any such third parties are given access to your Financial Information, they are strictly prohibited from using it for any reason other than to provide the service that Cardinal Financial requested.

If you call Cardinal Financial, we may record and/or transcribe the phone call. We do this to help ensure that we are providing you with the best possible customer service.

You may choose what Financial Information to share with Cardinal Financial; however, some Financial Information may be necessary in order for us to fulfill your request. If you choose not to provide necessary Financial Information, we will not be able to provide you with the requested service.

If Cardinal Financial is involved in a sale, merger, transfer, exchange, or other disposition, your Financial Information may be transferred to another entity as a part of that process.

In certain situations, Cardinal Financial may be required to share Financial Information to comply with laws, court orders, subpoenas, search warrants, or law enforcement requests.

Cardinal Financial takes care to protect the Financial Information you provide us. For Financial Information provided over the Internet, Cardinal Financial uses both physical and digital security measures to keep your Information safe.

Cardinal Financial may use “cookies” to help us better understand how customers use our website and to troubleshoot problems with sessions. We may also use cookies to make the experience of using our website easier for our customers. Your browser may be required to accept cookies from Cardinal Financial in order to use certain features of our website.

Cardinal Financial may also track usage data, including your IP address, which pages you view, how you came to our site, and other information about your experience with Cardinal Financial’s website. This information is used to help us understand what parts of our website are most valuable to visitors, and what we can do to improve our website. We may also use cookies, analytics, and other technologies to develop new services, learn about the effectiveness of our advertising, and to learn what Cardinal Financial offerings may be of interest to you.

Cardinal Financial uses web analytics services, which currently include Google Analytics and Jornaya.

Google Analytics is a web analytics service provided by Google Inc. Google Analytics uses cookies and similar technologies to analyze how users use the Domains. The information generated about Domain usage (including your shortened IP address) is transmitted to Google in the U.S. This information is used to evaluate visitors’ use of the Domain, compile statistical reports on Domain activity, and provide other services related to the Site and Internet use. Google may also collect information about Domain visitors’ use of other websites. For more information about Google Analytics, or to opt out of Google Analytics, please go to: https://tools.google.com/dlpage/gaoptout.

Jornaya is a predictive analytics platform that gives us data about where users are clicking on our site. You can visit their privacy policy at: https://www.jornaya.com/consumer-privacy-policy/.

For more information about how Cardinal Financial protects your Financial Information, or to get answers to any questions about our privacy policy, email us at clientcare@cardinalfinancial.com.

California Consumer Privacy Policy & Notice at Collection

The California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) (the CCPA and CPRA are referred to herein as “California Law”) grants California residents some rights over how Cardinal Financial manages your “personal information,” which we refer to herein as your Financial Information. The following California-specific privacy policy supplements our general Privacy Policy (set forth above) and serves as our “notice at collection” under California Law. Please be aware the following applies solely to California residents. If you are a California resident applying for a job at Cardinal Financial or employed by Cardinal Financial, please review the California Employee Privacy Policy & Notice at Collection.

California Law gives California residents the following rights:

  1. the right to know why we collect Financial Information (including whether we sell it), what we collect, and how we collect it;
  2. the right to have your Financial Information deleted; and
  3. the right to receive equal treatment if you exercise your rights under California Law

Financial Information: Why, What, and How we collect

As set forth more fully in our Privacy Policy, we collect Financial Information in order to conduct our business (making and servicing mortgage loans) and carry out our business purposes. We may share your Financial Information, on a confidential basis, with outside companies, but we DO NOT sell your Financial Information or allow these outside companies (with whom we have shared your Financial Information) to utilize your Financial Information for any reason other than to complete the business purpose for which the information was shared.

Below are the categories (along with examples) of Financial Information we collect and the business purpose(s) for its use:

CategoryExamplesBusiness Purpose(s)
Identifiers name, alias, address, email Performing services; providing financing and customer service; protecting against fraud
Sensitive information social security number, bank account numbers Performing services; providing financing; protecting against fraud
Protected classifications (under CA or Federal law) age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, and veteran or military status Performing services; providing financing; protecting against fraud; compliance with mortgage lending laws
Commercial information records of products or services considered or obtained Providing customer service; internal analytics; marketing and advertising
Internet activity browsing history, interactions with our website and advertisements Providing online products and services; performing marketing and advertising
Professional or employment-related information current or past job history or performance evaluations or reference checks Providing financing; servicing accounts; protecting against fraud

As set forth more fully in our Privacy Policy, we generally collect Financial Information directly from you, either through your interactions with our website or employees, during the mortgage application process, or as we service your mortgage loan. We may also collect Financial Information from outside sources, such as your prior mortgage servicer, governmental entities / public records, and internet advertisers and lead generators.

Requests to Know and Delete

As explained in more detail below, in some cases and upon proper request, California residents may be entitled to a report detailing the Financial Information we have collected and shared about them (“Right to Know”) and/or deletion of their Financial Information (“Right to Delete”).

California residents only have the Right to Know or Right to Delete in some cases because California Law does not apply in certain situations. For example, California Law does not apply to Financial Information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act (GLBA) or the California Financial Information Privacy Act. This means that Financial Information we collect, store, or share in connection with providing you a financial product or service is exempt, as well of our use of this information for our everyday business purposes (disclosed above).

In order to exercise any Right to Know or Right to Delete you may have, you will need to submit a request to our Consumer Advocacy Department by calling (888) 531-0386 or sending an email to consumeradvocacy@cardinalfinancial.com. This request will need to be “verifiable,” meaning we must be able to confirm:

  1. you are the California resident; or
  2. you are the California resident’s authorized agent, which will require (i) written evidence of the agent’s authority, which can include a valid power of attorney, and (ii) your personal information, so we can verify that you are the authorized agent.

Cardinal Financial will attempt to respond to a verifiable consumer request within 45 days of receipt. If we require more time (up to 90 days) we will inform you in writing of the reason for requiring more time and the additional time required to respond.


This website is provided by Cardinal Financial Company, Limited Partnership (“Cardinal Financial”), located at 3701 Arco Corporate Drive, Suite 200, Charlotte, NC 28273. By accessing this website, you agree to be bound by the terms and conditions below. Please review the terms and conditions. If you do not agree to the terms and conditions below, do not access this website.

Use of Information and Materials

The information and materials contained in this website, and the terms, conditions, and descriptions that appear therein, are subject to change. Unauthorized use of Cardinal Financial’s website and information technology systems, including but not limited to unauthorized entry into Cardinal Financial systems, misuse of passwords, or misuse of any information posted on this website is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Cardinal Financial and/or its affiliates.


This website may contain links to other websites controlled or offered by and through third parties not affiliated with Cardinal Financial. Cardinal Financial hereby disclaims liability for any information, materials, products, or services posted or offered at any third party the Cardinal Financial site linked to the Cardinal Financial website. By creating a link to a third party website, Cardinal Financial does not endorse or recommend any products or services offered or information contained at that particular website. Cardinal Financial is also not liable for any failure of products or services offered or advertised at any such third party website. Such third party may have a privacy policy different from that of Cardinal Financial and the third party website may provide less security than this website.

No Warranty

The information and materials contained in this website, including text, graphics, links, or other items, are provided “as is” and “as available.” Cardinal Financial does not warrant the accuracy, adequacy, or completeness of this information and/or materials and expressly disclaims liability for errors and/or omissions in this information and materials. No warranty of any kind, implied, expressed, or statutory, including but not limited to the warranties of noninfringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

In no event will Cardinal Financial be liable for any damages, including without limitation, direct or indirect, special, incidental, or consequential damages, losses, costs, or expenses arising in connection with or relating to the website or any third party site linked to the Cardinal Financial website or use thereof, or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Cardinal Financial, or representatives thereof, are advised of the possibility of such damages, losses, costs, or expenses.


All information submitted to Cardinal Financial via this site shall be deemed and remain the property of Cardinal Financial and Cardinal Financial shall be free to use, for any purpose, any idea, concepts, know-how, or techniques contained in information a visitor to this website provides Cardinal Financial through this website. Cardinal Financial shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Cardinal Financial entity having the direct customer relationship or as otherwise specifically agreed or required by law.


This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or county where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain sections or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Governing Law

Use of this website shall be governed by all applicable Federal laws of the United States of America.


Copyright in the website pages and in the screens displaying the pages, and in the information and material contained therein and in their arrangement and production, is owned by Cardinal Financial unless otherwise indicated.



Alabama Consumer Credit License No. 21782.


Alaska Mortgage Broker/Lender License No. AK66247; Alaska Mortgage Broker/Lender License – Other Trade Name #1, No. AK66247.


Arizona Mortgage Banker License No. 0925883


Arkansas Combination Mortgage Banker-Broker-Servicer License No. 105783


Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Finance Lenders Law license, License No. 603K498;


Cardinal Financial, NMLS No. 66247, (855) 561-4944, Regulated by the Division of Real Estate


Mortgage Lender License No. ML-66247


Delaware Licensed Lender License No. 1666

District of Columbia

Mortgage Dual Authority License No. MLB66247; MLB1060801; MLB1062477


Mortgage Lender Servicer License No. MLD236


Mortgage Lender License No. 16020


Hawaii Mortgage Loan Originator Company License No. HI-66247
Hawaii Mortgage Servicer License No. MS162


Idaho Mortgage Broker/Lender License No. MBL-8598


Illinois Residential Mortgage Licensee No. MB.6760960. For licensing information, go to www.nmlsconsumeraccess.org

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued.


Indiana DFI First Lien Mortgage Lending License No. 19692


Iowa Mortgage Banker License No. 2013-0127; Iowa Mortgage Banker License - Other Trade Name #2 #2018-0076


Kansas Licensed Mortgage Company; License No. MC.0025207


Kentucky Mortgage Company License No. MC98128


Louisiana Residential Mortgage Lending License


Maine Supervised Lender License No. 66247


Mortgage Lender License No. 66247


Massachusetts Mortgage Lender License MC66247; Massachusetts Mortgage Broker License MC66247


1st Mortgage Broker/Lender/Servicer Registrant No. FR0018734; 2nd Mortgage Broker/Lender/Servicer Registrant No. SR0021952


Residential Mortgage Originator License No. MN-MO-66247; Residential Mortgage Originator License Other Trade Name #1 License No. MN-MO-66247.1


Licensed by the Mississippi Department of Banking and Consumer Finance; License No. 66247


Missouri Company License No. 15-2210. In-state branch located at 800 E. 101st Terrace, Suite 350, Office #366, Kansas City, MO 64131. Conducting business under Cardinal Financial Company, Limited Partnership as well as Sebonic Financial.


Montana Mortgage Lender License No. 66247; Montana Mortgage Broker License 66247


Nebraska Mortgage Banker License No. NE66247


NV Mortgage Company License No 3968

New Hampshire

Licensed by the New Hampshire banking department – License No. 19035-MB

New Jersey

Residential Mortgage Lender License No. 8701663, Licensed by the New Jersey Department of Banking and Insurance

New Mexico

New Mexico Mortgage Loan Company License NMLS ID # 66247

New York

Licensed Mortgage Banker-NYS Banking Department #B500951

North Carolina

Mortgage Lender License No. L-103184

North Dakota

North Dakota Money Broker License No. MB102631


Ohio Residential Mortgage Lending Act Certificate of Registration MBMB.850199.000


Oklahoma Mortgage Lender License No. ML010197; Oklahoma Mortgage Lender License - Other Trade Name #1 No. ML011951


Mortgage Lender License No. ML-5201


Licensed by the Pennsylvania Department of Banking and Securities, Mortgage Lender License No. 20829; Pennsylvania Mortgage Servicer License License No. 67088

Rhode Island

Rhode Island Lender License No. 20132934LL; Rhode Island Loan Broker License No. 20183636LB

South Carolina

Mortgage Lender / Servicer License No. MLS - 66247; South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #2 License No. MLS - 66247 OTN #2

South Dakota

South Dakota Mortgage Lender License No. ML.05041


Tennessee Mortgage License No. 117278


Mortgage Banker Registration

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.


Utah DRE Mortgage Entity License No. 8687522; Utah DRE Mortgage Entity License Other Trade Name #1 No. 8687317; Utah-DRE Mortgage Entity License - Other Trade Name #2 License No.10915869


Vermont Lender License No. 6718; Vermont Lender License - Other Trade Name #1, No. 6719


Licensed under the Virginia State Corporation Commission. License No. MC-1825, NMLS ID # 66247 (www.nmlsconsumeraccess.org); Mortgage Broker License 1426MB


Consumer Loan Company License No. CL-66247; CL-1060801; CL-1062477

West Virginia

West Virginia Mortgage Lender License No. ML-21279; West Virginia Mortgage Broker License License No. MB-36514


Wisconsin Mortgage Banker License No. 66247BA; Wisconsin Mortgage Broker License 66247BR


Mortgage Lender/Broker License No. 2524; Supervised Lender License No. SL-3916