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Cardinal Financial Company

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Cardinal Financial Company Reviews

3.4

56% would recommend to a friend

(756 total reviews)

Nick Florez

60% approve of CEO

42% positive business outlook

Cardinal Financial Company has an employee rating of 3.4 out of 5 stars, based on 756 company reviews on Glassdoor which indicates that most employees have a good working experience there. The Cardinal Financial Company employee rating is in line with the average (within 1 standard deviation) for employers within the Finance industry (3.7 stars).

Reviews by job title

756 reviews
1.0
13 Aug 2016

Terrible

Recommend
CEO approval
Business outlook

Pros

They pay for your licensing.. but everyone does that sooo??

Cons

-Negative work/life balance -Poor/lazy management -No human resources..They treat people like numbers and not people -Uses threatening tactics to produce results.. trickles down from upper management -Micromanagement- Example: they count daily talk time and make you clock in and clock out -Terrible pay compared to industry standard. NOT based off bps but a chart range! Example for purchase loans: $200k-$249,999 loan will pay $800 gross $250k-$299,999 loan will pay $900 gross -Uncertain business plan.. management is confused on direction and lacks organization -Mediocre medical plans -Management would express to the open floor "If you don't like it, then leave" or "I would fire everyone and start all over" -Obviously terrible overall morale -No seasoned LO's (because they know better). They have a Junior LO program for kids trying getting into the mortgage industry. Then "promote" them to LO once they pass the SAFE exam. JLO's have no idea they're getting taken advantage of. - No name recognition. 30 years in the business and nobody knows who Cardinal is! That's for a reason! See Sebonic's rating.. Same management style because it's the same company

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Cardinal Financial Company Response
9y
Thank you for taking the time to write a review. Feedback is important to us. We have a very clear business strategy which is being developed and launched. We care about our employees and work very hard to create a high energy culture with industry and non industry professionals. These positions are considered non exempt by the federal government so by law we are required to have all LO's clock in and out. We feel like our benefits and comp plans are not only lucrative but very competitive. In fact, we have not raised premiums on insurance for employee's in 3 years. We are very proud of our Junior Loan Origination program that we refer to as The Academy. It is just another example of how we are a very forward thinking company and are revolutionizing the mortgage industry. Transparency is huge for us not only in our mortgage process but when recruiting new hires. We have our new LO's sign agreements to make sure they understand exactly how to get paid and what they are signing up for. This position is not for everyone. We understand that. We are sorry it did not work out for you here at Cardinal but do wish you the best of luck in your next opportunity.
1.0
3 Apr 2025

A Cautionary Tale for Software Engineers

Anonymous employee
Recommend
CEO approval
Business outlook

Pros

Hard working and talented engineers, remote by design

Cons

The company prioritizes speed and output over quality, with defects blamed solely on the software team; critical gaps such as a lack of QA, decreased focus on quality, and a largely untouched UAT environment are ignored. Engineers are expected to move quickly. They are forbidden from asking product clarification questions because it slows things down. Senior leadership has even gaslit certain engineers for following functional specs, insisting that verbal conversations override documented requirements—despite no prior communication or codification of said nonsense. Layoffs are supposedly based on productivity metrics, but in reality, politics and favoritism dictate who survives. Managers have no visibility into these decisions. An influential leader outside the engineering reporting structure arbitrarily selects engineers for intense scrutiny. No one knows how or why she picks her targets, but once marked, managers and VPs are instructed to watch them closely. It’s like being "marked for deletion"—and once that happens, redemption is rare. To be clear, this isn’t just speculation; it’s a well-known phenomenon that further erodes trust and morale. Meanwhile, entire departments were eliminated in knee-jerk decisions, leaving major gaps in operations and making the remaining employees wonder if they’re next. The company’s approach to software development is completely backward. The latest genius idea is that engineers will be expected to code first, and only after the fact will specs be written to document what was built. This retroactive approach not only disregards best practices but also fuels blame when things inevitably go wrong. At the same time, the CEO’s obsession with AI has led to unrealistic expectations. He references questionable tech bro podcasts and idolizes corporate and federal entities that prioritize ‘efficiency’ over stability, seemingly eager to follow suit regardless of the consequences. Believing AI can double engineering productivity, he disregards quality concerns and even expects engineers to use AI-generated status reports, warning that he can tell when updates are written by humans. At the same time, engineers must provide updates every 1-2 days, carefully avoiding trigger words like ‘PTO’ or ‘junits,’ which set him off because they imply time away from work or a focus on quality over speed. Crafting these updates has become a time-consuming, team-wide exercise in avoiding unnecessary scrutiny. The CEO and SVP maintain a thinly veiled bias against software, frequently stating that it is “not productive enough” without further articulation or quantitative evidence. Following a production incident, an independent audit was conducted, only for its findings—exonerating software—to be buried because they didn’t align with leadership’s narrative. Instead of investing in the existing team, the company hired a group of architects at double the engineers' salaries during a salary and promotion freeze for engineers. Architects often produce specs that focus on trivial details while ignoring complex challenges, requiring engineers to fill in the gaps. Any deviation from their specs requires approval, causing bottlenecks. When the anticipated ROI failed to materialize, engineers were blamed instead of leadership acknowledging their missteps. The company has a rigid 8:30-5:30 schedule with a forced lunch hour, requiring engineers to work at a static desk on a desktop machine and update their status if they leave for more than a few minutes. The company claims to be flexible, but this is the least flexible place I have ever worked—engineers are expected to remain at their desks for the entire workday, with little autonomy over their own space. In-the-know employees fear taking more than four consecutive days off because leadership has fired individuals upon their return, after confirming they weren’t essential. Others hoard PTO in anticipation of inevitable layoffs, treating it as severance pay rather than a usable benefit, fueling burnout. The lack of appreciation for engineers is glaring. When new features are announced, the CEO showers praise on ancillary teams while completely ignoring the software engineers who actually built them. He pretends to be an engineer, stating, “I’m not the best software engineer on this call”—despite having no engineering experience. In a puzzling move, job titles were rebranded to include “Engineer” to align with the CEO’s belief that anyone who solves problems is an engineer—further diminishing the expertise and work of actual engineers. Reviews from disgruntled production employees frequently praise our application, Octane. But let’s be clear: there is no Octane without the software team. The CEO does not believe in cost-of-living increases and merit increases are rare. Top leadership continues to set unrealistic expectations while creating an environment of micromanagement, fear, and instability. This is not a place where software professionals can thrive.

1.0
11 Feb 2019
Recommend
CEO approval
Business outlook

Pros

The company compensates you well.

Cons

There may be other departments that have a great culture and work environment @ Cardinal Financial however that culture and environment does not exist in the Settlement Team for this company. Never have I ever worked for a management team that purposely seeks out your mistakes (daily) and instead of coaching and promoting a positive learning environment on the mistake made, this management team chooses to bully you with the work agreements/procedures you signed at time of employment. I dont understand this management style. There are way more productive and positive ways the Settlement Management Team could deliver constructive criticism to the team or individual other than creating this hostile work environment with the way you manage. You set these monthly expectations on us yet limit the amount of user access we have to move a file through your system. Im constantly having to reach out to upper management for help and overrides yet get left hanging for 30 min - 1 hour if not more. Im constantly taking heat for management dropping the ball yet made to feel like its my fault. Will be leaving this company as soon as I find another job!!

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Glassdoor has 765 Cardinal Financial Company reviews submitted anonymously by Cardinal Financial Company employees. Read employee reviews and ratings on Glassdoor to decide if Cardinal Financial Company is right for you.