Sebonic Financial Review

Rating: 8.8 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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Sebonic Financial, a division of Cardinal Financial Company, is a direct lender offering a variety of mortgage products including FHA and VA loans. The company, which offers full mortgage services and is an approved seller for Freddie Mac and Fannie Mae, specializes in providing quick home financing through a simplified loan application process.

How is Sebonic Financial rated?


Loan Specifics
Customer Experience
Qualification Requirements
Lender Reputation

Overall Rating: 8.8 / 10 (Excellent)

Sebonic financial is another excellent alternative for those looking to save time and money through an uncomplicated application process that matches borrowers with loan products that fit their needs and credit profiles. The company has received high-praise from current and former clients amazed at how seamless and straightforward their entire loan process actually is, from application to funding. Prospective borrowers should keep in mind that while applying can be quick and easy, Sebonic's qualifying criteria can be just as stringent as those of conventional lenders. Regardless, the company remains among the best direct lenders in the market and one of our top pics for competitive mortgage rates and outstanding overall service.

Sebonic Financial Customer Experience

Loan Specifics - 10 / 10

Sebonic's webpage states they offer five different types of mortgages, conventional, VA, FHA, USDA, and jumbo loans. Loan terms are unclear but, based on the company's mortgage calculators, these could range from 5 to 30 years and have either fixed or adjustable rates. Sebonic prequalifies borrowers through a simple questionnaire requiring few personal details but refers applicants who do not qualify to other partner companies who might be a good fit.

Type of Mortgage Loans

["VA Fixed Rate", "FHA Fixed Rate", "USDA Loan"]

Types of Mortgage Loans Offered

  • VA Fixed Rate
  • FHA Fixed Rate
  • USDA Loan

Sebonic Financial Customer Experience

Customer Experience - 8 / 10

Sebonic's straightforward and easy-to-follow online application delivers quick results, pairing customers with their loan products as well as those of partner companies based on their needs and qualifications. There's no Social Security number requirement to prequalify, which allows borrowers greater freedom of choice and gives them a good idea of what they can expect from their loan and lender. Sebonic does not provide useful articles, frequently asked questions or anything of the sort, yet they do offer three types of mortgage calculators and employ experienced mortgage consultants that can guide their clients every step of the way.

Online Features

Online Application
Online Quote
Additional Tools and Resources
Mortgage Calculator
SSN Required for Quote

Sebonic Financial Qualification Requirements

Qualification Requirements - 8 / 10

To qualify for a loan with Sebonic, applicants must have a minimum FICO credit score of 620 for conventional loans and 600 for FHA loans. Although they do not state whether there is a minimum down payment requirement, Sebonic's online application suggests they accept anything from 3% to 20%.

Key Requirements at a Glance

Minimum FICO Score
Non-Traditional Credit History Considered?

Sebonic Financial Lender Reputation

Lender Reputation - 9 / 10

Sebonic is a leading direct-to-consumer lender with top-notch ratings from such organizations as the Better Business Bureau and The company, registered under Cardinal Financial Services, holds an A+ BBB rating based on mostly positive customer reviews and a minor number of complaints. They also have a 9.4 (Excellent) score with Truspilot, where they have received over 90% positive client feedback. Similarly, Sebonic has received less than the median number of CFPB complaints for a company of its size. There has only been one regulatory action taken against them, according to the NMLS.

Key Facts

Lender Type
Direct Lender
Year Founded
BBB Rating
BBB Positive Reviews
BBB Negative Reviews
TrustPilot Rating
26.0 out of 10
Collection Date

Complaints & Regulatory Actions

Nationwide Mortgage Licensing System ID
The Nationwide Mortgage Regulatory Actions
Consumer Financial Protection Bureau Complaints

Company Profile

Full Name
Sebonic Financial
Company Website
3701 Arco Corporate Drive, Suite 200, Charlotte, NC, 28273

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Our Partner
8.8 / 10
  • Accurate and competitive mortgage rates and fees
  • A seamless home loan application process
  • An approved lender for FHA, VA, and USDA loans
  • Holds high ratings with the BBB and Trustpilot
  • Delivers an easy-to-use, transparent service