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  • What’s New at Cardinal Financial® Wholesale: 5 Keys to Your Success
What’s New at Cardinal Financial® Wholesale: 5 Keys to Your Success
  • Posted on June 9, 2025
  • By admin

What’s New at Cardinal Financial® Wholesale: 5 Keys to Your Success

We’ve taken time to realign around the future we want to build with our broker partners. The result? A new level of support built entirely around your success. Here’s what we’ve done so far to deliver a reliable, responsive, and real partnership, including new products, smarter tech, and flexible support for brokers like you.

What’s New at Cardinal Financial Wholesale: 5 Keys to Your Success

  • Competitive, Market-Specific Pricing
  • End-to-End Loan Processing that Frees Your Time
  • A Broader, Diversified Product Suite
  • Tech that Simplifies Your Workflow
  • Collaborative Leadership that Gets It

Competitive, Market-Specific Pricing

We know that a one-size-fits-all approach might not fit your needs. That’s why we’ve refined our pricing model to give you the flexibility and competitiveness you need to stay a step ahead in your local market.

End-to-End Loan Processing that Frees Your Time

Cardinal Complete™ is our new, end-to-end loan processing solution that reduces your administrative workload while giving you real-time visibility and built-in pricing. Best of all, your time is freed for what matters most. We handle it all. You win.

How Cardinal Complete Benefits Mortgage Brokers

  • Saves Time – By outsourcing loan processing to Cardinal Financial, brokers free up approximately eight hours per loan, allowing them to focus on work-life balance.
  • Enhances Loan Quality – Our experienced processors ensure loans are handled with precision, reducing errors and improving approval rates.
  • Maintains Competitive Pricing – At $895 per loan, brokers enjoy simple, competitive pricing for significantly less than the industry average cost.
  • Reduces Operational Burdens – No need to hire, train, or manage an in-house processing team.
  • Improves Client Experience – A seamless processing experience means smoother closings and happier clients, leading to stronger referrals and repeat business.

Learn more about how to leverage Cardinal Complete in your business here.

A Broader, Diversified Product Suite

In addition to expanding our Renovation loan options, we’ve introduced a full Non-QM offering, including P&L bank statement and DSCR loans. We’ve also enhanced Cardinal Elite, our FHA down payment assistance program that offers up to 101.5 CLTV.

High-Impact Products

  • Non-QM – Our Non-QM product suite is the key to expanding into markets with borrowers (like self-employed individuals and real estate investors) who fall outside of conventional financial documentation requirements. 
  • Renovation Loans – Our Renovation loans streamline financing by rolling your clients’ project costs and mortgage into one, convenient loan. Most loans can also be paired with EasyPath™ Renovation. With EasyPath Renovation, they can enjoy the convenience of a renovation mortgage for smaller projects completed through a major retailer like The Home Depot, Lowe’s, or Menards.
  • Cardinal Elite – With Cardinal Elite, you can assist FHA borrowers with a 10-year second mortgage. This program offers competitive pricing and consistent monthly payments for both first-time and repeat buyers.
  • Manufactured Housing – Fannie Mae’s MH Advantage offers affordable financing for manufactured homes with site-built features. It’s more flexible than the standard MH loan with higher LTVs and waived LLPA.

Tech that Simplifies Your Workflow

Octane®, our custom-built loan platform, has been overhauled for speed, clarity, and usability. With its powerful new features, you can close more loans, more efficiently. Our training approach has also been reworked, giving you the critical insight needed to fully leverage Octane.

Noteworthy New Octane Enhancements

  • QuickLink – With QuickLink, you can upload files through a secure link—no logging into Octane required. See the feature in action here.
  • DSCR Field – Get precise pricing for investment property loans with Octane’s estimated debt service coverage ratio (DSCR) field. No need to wait to receive all the property details—this Octane enhancement can give you an accurate estimate right away.
  • Credit Report Liabilities – Octane now captures more detailed liability information from credit reports. By applying advanced matching logic to capture all relevant liabilities, it can automatically and intuitively flag possible duplicates and improve accuracy.

Collaborative Leadership That Gets It

We’ve brought in a powerhouse team with over 100 years of combined wholesale experience who are all-in on making it easier for brokers to succeed. Our leadership team works side by side with our broker Account Executives to ensure our solutions meet your real, day-to-day needs.

What’s Next at Cardinal Financial Wholesale

From new products to enhanced technology, there’s more progress underway at Cardinal Financial Wholesale—and we’d love for you to be a part of it. Let’s explore what the next chapter of success looks like together.

We’ve taken time to realign around the future we want to build with our broker partners. The result? A new level of support built entirely around your success.