Cardinal Financial News

Welcome Ralph Dibugnara & Frank Capobianco to Team CF!

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Welcome Ralph Dibugnara & Frank Capobianco to Team CF!
Cardinal Financial - March 15, 2019

We’d like to take a moment to congratulate Ralph Dibugnara and Frank Capobianco on making the switch to Cardinal Financial! We’re excited to have them on board.

Located in Long Island, New York, Frank comes from 15+ years of nationwide Consumer Direct originations and traditional Retail origination, specifically in the New York market. His team has extensive background in all agency loans and programs and has been a driving force in the Non-QM space. Ralph comes to us with 18 years of mortgage experience under his belt and a focus on the New York and New Jersey mortgage markets. Both teams are energized and excited to team up with Cardinal Financial and take the company name to their specific markets.

“Our team is comprised of family-oriented mortgage professionals who have all been top producers in their fields,” said Frank. “Our passion is now to impart that experience and mentality to the younger generation using technology and marketing to groom new mortgage professionals nationwide.”

“My team is a young, driven, and passionate group. Cardinal Financial’s technology gives us the necessary tools we were missing to take our service and performance to new levels,” said Ralph.

Both leaders say they are drawn to Cardinal Financial for our confidence, our forward-thinking mentality, and our appetite for nationwide growth. “We made the switch to Cardinal Financial for a better opportunity to grow with groundbreaking technology, portfolio products, and speed of service,” Ralph added.

“We love the opportunity to grow the Northeast with a company that is strong and shares our vision and our values,” Frank commented. “I think our real estate agent partners are going to love Cardinal Financial’s underwriting philosophy and standardization—and the quick, direct answers.”

“Our real estate agent partners will be able to offer more transparency and faster service to their clients because of Cardinal Financial’s consumer-friendly systems,” Ralph said.

Not only does their move to Cardinal Financial positively impact their real estate partners, Frank and Ralph are highly focused on the benefit this change brings to their most important person: the borrower.

“Cardinal Financial offers a quick and seamless process from application to closing with Octane. No confusion or back and forth,” Frank added. “Our borrowers will be able to manage the process of obtaining a mortgage around their schedules so it’s not a hassle while also being able to expedite their needs as quickly as they need,” said Ralph.

We’re happy to have Frank and Ralph and their teams on board Team Cardinal Financial! Please join us in welcoming and congratulating them!

About Cardinal Financial

We started Cardinal Financial with a passion for developing a better mortgage experience. Our proprietary loan origination software, Octane®, is a sure advantage, but we soon found out that revolutionary technology only goes so far without revolutionary people. We place a premium on hiring talented, forward-thinking, entrepreneurial spirits who are committed, not only to reimagining the possibilities of mortgage lending, but to delivering a personal experience to every borrower every time. We take a tremendous amount of pride in our people because they’re what sets us apart from the rest. Our culture is strengthened by self-starters who look forward to coming to work every day and are willing to go the extra mile for their colleagues and their clients. Cardinal Financial is where your career meets your calling. Join us and be a part of something more than mortgage lending. For more information about Cardinal Financial, visit or follow us on social media: and @CardinalFinancial on Instagram.