Cardinal Financial Wholesale

3701 Arco Corporate Drive, Suite 200, Charlotte, NC 28273


Business Details

The power is in your hands.

Here at Cardinal Financial Wholesale, we leverage our powerful combination of talented professionals and top-tier technology so our brokers can benefit from a true partnership that puts the control where it belongs: in their hands. At Cardinal Financial Wholesale, we’re providing more than just a pricing transaction. We’re putting brokers first by giving them the best tools to self-serve. We believe in the success of our brokers—because what fuels their business, fuels ours.

For years, brokers have been saying “Just let me do it.” We hear you and we get it. Sometimes you just get it done faster when you do it yourself. At Cardinal Financial Wholesale, we’re committed to giving you the keys to drive your business, and we’re also committed to delivering the best tools for you to do so.

Like any broker, you want speed and control over the process. When you partner with Cardinal Financial Wholesale, you get Octane®, our in-house loan origination system that not only compresses turn times, it gives you full control. Octane’s high level of automation means fewer manual tasks for you to complete, giving you more time back in your day to go get more business.



Our standard products include Conventional, FHA, VA, USDA, and Jumbo loans. However, we know that brokers are looking for more options for their clients. Brokers trust us with their tough and tricky loans, and when they need options and flexibility, we offer a variety of products to help them stay competitive. We also offer Conventional X, High Balance X, FHA 203(h), Manufactured Housing Programs, Freddie Mac and Fannie Mae High LTV, Home Possible® and HomeReady®, community lending programs, and down payment assistance programs.


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3701 Arco Corporate Drive, Suite 200, Charlotte, NC 28273
(855) 399-6242

Contact Persons

Colin Treend (+)
    SVP of TPO Production
Karl Benjamin (+)
    VP of TPO Production
Stacy Hartmann-Gottas (+)
    Regional Production Manager—NW, SW, N. CA, S. CA
Vince Cavalea (+)
    Regional Vice President, Midwest and Northeast
Tammy Wallace (+)
    Regional Production Manager, Southeast
Terri Cutting (+)
    Production Manager, Inside Sales/West
Chris Foster (+)
    Production Manager, Inside Sales/East

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