Question 1

What are Cardinal Financial's average closing costs?

Accepted Answer

Based on 47 homebuyer-submitted Closing Disclosures, Cardinal Financial's median total closing costs are $19,171. This is about 495% above the $3,221 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Question 2

Does Cardinal Financial charge junk fees?

Accepted Answer

38% of Closing Disclosures we've analyzed for Cardinal Financial included at least one fee flagged as potentially excessive. Origination Fee fees stand out in particular, averaging $8,816 compared to a peer average of $1,695. "Junk fees" are charges that are inflated beyond what comparable lenders charge or that provide little discernible value to the borrower. Upload your Closing Disclosure for a line-by-line analysis of your specific loan. This is informational only and not financial or legal advice.

Question 3

How do Cardinal Financial's fees compare to other lenders?

Accepted Answer

Cardinal Financial currently holds a grade of F on Fair Closing Check, placing them significantly above the national average — a red flag worth investigating before closing. Their median closing costs of $19,171 are about 495% above the $3,221 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with Cardinal Financial?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, Cardinal Financial's origination fee (avg $8,816 vs $1,695 peer avg) and title insurance (avg $3,643 vs $3,103 peer avg) have both run above comparable lenders — making them the most important fees to challenge. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on Cardinal Financial's Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for Cardinal Financial, three fee categories tend to run above comparable lenders: origination fee (avg $8,816 vs $1,695 peer avg, +$7,121), title insurance (avg $3,643 vs $3,103 peer avg, +$539), and underwriting fee (avg $1,672 vs $1,429 peer avg, +$242). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do Cardinal Financial's closing costs vary by state?

Accepted Answer

Cardinal Financial's closing costs vary significantly by state. Based on the 5 states in our database with at least 3 reports, median total closing costs range from $8,328 in Texas to $26,507 in New York — a $18,179 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$8,816	$1,695	🔺 High
Title Insurance	$3,643	$3,103	🔴 Above Avg
Underwriting Fee	$1,672	$1,429	🔴 Above Avg
Appraisal	$1,198	$1,053	🔴 Above Avg
Settlement/Closing Fee	$1,103	$954	🔴 Above Avg
Processing Fee	$880	$775	🔴 Above Avg
Title Search	$436	$379	🔴 Above Avg
Recording Fee	$382	$339	🔴 Above Avg
Rate Lock Fee	$310	$314	🟡 Average
Document Preparation	$157	$170	🟡 Average
Tax Service Fee	$143	$128	🔴 Above Avg
Credit Report	$78	$68	🔴 Above Avg
Wire Transfer Fee	$77	$69	🔴 Above Avg
Courier/Delivery	$68	$58	🔴 Above Avg
Flood Certification	$26	$23	🔴 Above Avg

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$8,816	$1,695	🔺 High
Title Insurance	$3,643	$3,103	🔴 Above Avg
Underwriting Fee	$1,672	$1,429	🔴 Above Avg
Appraisal	$1,198	$1,053	🔴 Above Avg
Settlement/Closing Fee	$1,103	$954	🔴 Above Avg
Processing Fee	$880	$775	🔴 Above Avg
Title Search	$436	$379	🔴 Above Avg
Recording Fee	$382	$339	🔴 Above Avg
Rate Lock Fee	$310	$314	🟡 Average
Document Preparation	$157	$170	🟡 Average
Tax Service Fee	$143	$128	🔴 Above Avg
Credit Report	$78	$68	🔴 Above Avg
Wire Transfer Fee	$77	$69	🔴 Above Avg
Courier/Delivery	$68	$58	🔴 Above Avg
Flood Certification	$26	$23	🔴 Above Avg

Cardinal Financial

Cardinal Financial Closing Cost Breakdown

Compare with similar lenders

Continue your research

Borrower Reviews

Frequently Asked Questions

Related Guides