Cardinal Financial fha wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.
Cardinal Financial (Charlotte, NC) advertises FHA lending to mortgage brokers. Last checked 2026-07-26.
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.
Cardinal Financial is headquartered in Charlotte, NC and publishes a publishes a national broker footprint broker footprint. Its public broker materials referenced fha lending when we last checked them on 2026-07-26, alongside 7 other advertised product types in this directory. Cardinal Financial does not publish a comparable wholesale-only production figure, so no volume is shown on this page.
Government-insured financing with upfront and annual MIP, more tolerant of thin credit and prior derogatory events than agency products. In the wholesale channel this product type is commonly written from a 580 minimum FICO up to 96.5% LTV, on loan amounts between $50K and $524K, with DTI capped near 57%. Accepted documentation typically includes full doc, with primary residence occupancy and single family, warrantable condo, 2-4 unit, manufactured property types in scope. Those parameters describe the channel, not Cardinal Financial's own matrix — pull the current guideline from the lender before you quote.
Cardinal Financial's own positioning notes are: Octane origination platform. Those are lender-published claims, checked 2026-07-26. What matters on a fha submission is the current rate sheet, the overlay set, and the AE assigned to your shop — all three come from Cardinal Financial directly, and none of them are published here.
Yes. Cardinal Financial's public broker materials referenced fha lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by Cardinal Financial, not by this directory — start at its cardinal financial official website and confirm current requirements.
Cardinal Financial does not publish its fha matrix on a public page, so this profile shows the channel-typical structure instead: a 580 minimum score and leverage up to 96.5% LTV, with DTI to roughly 57%. Treat that as a starting point and verify the live guideline with your account executive.
In the wholesale channel this product is generally written between $50K and $524K, using full doc documentation on primary residence occupancy. Cardinal Financial may sit tighter or looser than that range on any single field.
From Cardinal Financial directly — its cardinal financial official website is linked in every source column on this page. Cardinal Financial does not appear in the published wholesale volume ranking we reference, which is a reporting gap rather than a quality signal.
Cardinal Financial lender profile · All FHA wholesale lenders · Program search · Wholesale lender rankings