Transforming communities.
Shaping the future.

Everyone deserves a place to call home. By bridging the gap between builders and buyers with strategic financing solutions, we’re transforming the housing market to create more opportunities for attainable homeownership.

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Why Cardinal.
Our Differentiators.

We’ve spent the past 30+ years perfecting our processes, investing in technology and products, and assembling a premier team to disrupt the construction lending and attainable housing markets.

Signature Service

Bespoke partnerships and elite industry expertise converge in a seamlessly orchestrated partnership experience.

Industry Influence

Our leadership’s presence on Fannie Mae and Freddie Mac boards shapes market evolution, positioning our partners at the forefront of opportunity.

Precision at Scale

Masterfully balancing nationwide reach with localized excellence through advanced technology and boots-on-the-ground expertise.

Intelligent Insights

Real-time analytics and custom reporting deliver strategic clarity at every phase of construction.

Technological Edge

Octane®, our custom-built platform, achieves 90% automation to optimize partnership efficiency and maximize borrower buying power.

Expansive Product Portfolio

We proudly offer one of the industry’s most expansive product portfolios. If there’s a path to homeownership for your attainable buyers, we’ll find it.

Full Suite of Construction and Renovation Loans

Includes one-time close solutions as well as specialized financing for unique property times including off-site built homes, cross-mod, barndominums, and more.

Traditional, Niche and Everything Between

As a direct servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, we offer core loan products, community lending, and down payment assistance programs.

Always Adding More

In the last 12 months alone, we added over 120 new products to our portfolio, and more are on the way.

Loan Process

Our streamlined process guides you through clear, sequential steps—each with defined actions and ownership—to confidently deliver your project.

The Cardinal Calendar

Visit us at these upcoming shows.

Louisville Manufactured Housing Show

January 15 – 17, 2025
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Biloxi Manufactured Housing Show

March 17 – 19, 2025
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MHI Congress + Expo

May 5 – 7, 2025
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