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The bottom line: Cardinal Financial is a good mortgage lender for FHA borrowers or buyers considering a unique type of home, such as a tiny home or a shipping container home. Its application platform also makes it easy to upload documents and track your application as it goes through the underwriting process. But to get started with this lender, you’ll need to speak to a loan officer first.

Cardinal Financial interest rates and fees

Cardinal Financial doesn’t show any sample rates or disclose its lender fees on its website. To get a rate quote, you’ll need to call or fill out an online form to request that a loan officer contacts you.

Some lenders display sample rates on their website or even let borrowers see customized rates based on their financial situations without having to provide contact information. While these rates might not be 100% accurate, they can help you get an idea of the range of rates that lender offers.

Between these two lenders, Cardinal Financial is the stronger choice in terms of loan options and overall affordability. However, if you value an easy online experience, LoanDepot might be a better fit, since it offers the ability to quickly get prequalified online without having to talk to a loan officer first.