What is Cardinal Complete™?

Cardinal Complete is our full-service, end-to-end loan processing solution. We handle all the details, giving you time back to build your business.

How does Cardinal Complete benefit brokers?

Brokers can spend less time on administrative tasks and more time growing their business by automating key loan processes, ensuring seamless borrower communication, and providing pricing flexibility.

How is Cardinal Complete different from other loan processing solutions?

Who better to process your loan than your lender? Cardinal Complete is built specifically for brokers using Octane®, a custom-built loan origination system designed for speed and efficiency. It automates file handling and gives brokers control over borrower communication. This seamless integration reduces administrative work, enhances borrower experience, and helps brokers close loans more efficiently.

What types of loans qualify for Cardinal Complete?

From basic loans to complex renovation mortgages, Cardinal Complete can process any and all loans in your pipeline. It can even be used with our flexible Non-QM (non-qualifying mortgage) product suite.

 

Loan Process Steps

 

What are the steps to using Cardinal Complete?

The process is simple and consists of five steps:

• • Step 1: Add Loan 
  • Step 2: Request Credit
  • Step 3: Select a Program and Rate
  • Step 4: Verify Charges and Credits
  • Step 5: Add Documents

How do I start the Cardinal Complete process?

When adding your loan, select “Full” from the Cardinal Complete dropdown, as well as your pricing and borrower communication preferences.

How much does Cardinal Complete cost?

Cardinal Complete is available for $895, which is built into the loan price.

How do I control borrower communication?

You can choose who will communicate with your borrower—either you (the Broker) or Cardinal Financial. This ensures seamless borrower updates throughout the process.

 

Credit and Program Select

 

How do I request credit with Cardinal Complete?

In the Borrower screen, authorize credit for each applicant, navigate to the Credit screen, click “Request Credit,” enter your credit report ID, and click “Submit” to reissue credit.

How do I pick a program?

From the left menu, navigate to the “Terms” screen. Review and update the loan amount (if needed), as well as all dropdowns to match the desired loan teams. Next, click “Get Rates.” A rate sheet will appear showing all available rates according to the terms input on the previous screen. Finally, choose the desired Program from the list by clicking the radio button, and click “Choose Selected.” If the loan is ready to be locked, proceed to the “Locking the Loan” section.

 

Documents and Submission

 

What documents do I need to add, and how do I upload them?

Any initial borrower documents can be added via the “Dropbox” tab in the Documents screen. Octane will automatically convert all file formats to PDFs for easy processing.

What happens after I submit the loan?

Once you submit your loan application, our processing team will reach out with a welcome call to review the details and guide you through the next steps. You’ll receive regular updates as your loan progresses. To check your Cardinal Complete settings at any time, simply visit the “Transactions” screen.

 

Additional Information

 

Where can I get more support or training?

For additional support, reach out to the Cardinal Financial support team at [email protected] or 855-399-6242. A training video is available in the Octane Library.

Can I make changes after submitting the loan?

Once a loan is submitted, certain changes may require assistance from the Cardinal Financial team. Contact Support for further guidance.

How soon can I expect updates on my loan after submission?

Cardinal Complete ensures timely communication, whether you choose to handle borrower updates yourself or let Cardinal Financial take care of it.