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Sebonic Financial mortgage review

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Sebonic Financial
Minimum credit score
Conventional: 620
FHA: 550
Minimum down payment (Conventional)
State availability
Available in all states

Our verdict

This lender is known to offer competitive rates, but home loans are fully digital and there’s no in-person support.

Sebonic Financial offers a basic selection of home loans but could be a good option for borrowers looking for competitive rates and a fully digital mortgage. Though it doesn't list rates on its site, user reviews reveal borrowers were happy with the rates they received. But if you're after in-person support and the reassurance of physical branches, Sebonic Financial probably won't fit the bill.


  • Government-backed loans
  • Responsive customer service
  • Prequalify with minimal personal information


  • Bare-bones website
  • Limited loan options
  • Few branch locations

In this guide

  • Our verdict
  • Details
    • Features
  • Your reviews



Loan products offered Conventional, Refinance, Jumbo, FHA, VA, USDA
Minimum credit score Conventional: 620
FHA: 550
Minimum down payment (Conventional) 5%
State availability Available in all states
NMLS # 66247

Sebonic Financial requirements are standard

To learn if you’re eligible for a Sebonic Financial home loan, visit the company’s website. Basic eligibility for a mortgage with Sebonic Financial includes:

  • Two years’ history of employment.
  • A FICO credit score of 620 or higher.
  • No history of bankruptcy in the past two years.


When applying for a mortgage with Sebonic Financial, be prepared to provide the following information and documents:

  • Name and contact information
  • Government-issued ID
  • Social Security number
  • List of assets, such as bank statements
  • List of debts, such as car and student loans
  • Last two years’ W-2 statements or 1099s for self-employed persons
  • Last two pay stubs

Costs and fees are standard

Sebonic Financial charges a $1,490 origination fee, which might be offset with lender credits based on the rate you receive. In addition, expect to pay about 2% to 5% of your loan amount in closing costs, which typically include:

  • Credit reports
  • Appraisals
  • Home inspections
  • Private mortgage insurance (PMI)
  • Homeowner’s insurance
  • Title insurance
  • Taxes

Get a quote online, but no application available

You can’t start your application online, but if you fill out the form for a free interest rate quote, a Sebonic loan officer will call to walk you through the process.

  1. Go to Sebonic Financial’s website and select Free Quote at the top of the page.
  2. Select the type of quote you want, either Purchase or Refinance, and select the loan information on the following screens.
  3. Enter your contact information and choose Finish.
  4. Wait for a loan officer to contact you after submitting the form. Alternatively, call the company on 855-561-4944 to speak with someone over the phone.

What types of mortgages can I get through Sebonic Financial?

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
This company accepts mortgage refinance applications.

Sebonic Financial’s reviews are mostly positive

As of August 2022, Sebonic Financial has a 4.1 TrustScore with Trustpilot from 139 reviews, 75% of which gave the lender an “Excellent” rating. Some customers praised the lender for quality customer service, while others complained of a drawn-out process that caused them to miss their closing.
As a division of Cardinal Financial, Sebonic Financial doesn’t have its own Better Business Bureau (BBB) listing. However, Cardinal Financial has been accredited with the BBB since 2014 and has an A+ business rating and earned 4.45 stars out 5 from 765 reviewers. The company has had 239 complaints registered against it in the past three years, though none of them are currently displayed on the BBB site.

Sebonic Financial pros and cons

Sebonic Financial might be a good choice for your mortgage and refinancing needs, but weigh the pros and cons first.


  • High maximum loan amount. Sebonic’s jumbo loans max out at $3 million, which is higher than many of its competitors.
  • Responsive customer service. Customers report that loan officers are easy to contact by phone, email and website chat.


  • Website lacks information. Sebonic Financial’s website doesn’t publish its interest rates or closing costs. And there are no resources to help users with FAQs.
  • No in-person support. Loan officers work from call centers in Maryland and North Carolina. Customer support is only available over the phone, email and chat.

3 fast facts about Sebonic Financial

Get to know a little bit more about this lender before you apply.

  • Sebonic Financial was founded in 2013 and is headquartered in Charlotte, North Carolina.
  • Sebonic operates under its parent company, Cardinal Financial Company, Limited Partnership.
  • According to Dun & Bradstreet data, Sebonic Financial has 14 employees and generates $3.60 million in sales annually.

Alternatives to Sebonic Financial

Unlike other lenders, you won’t find any specialized home loans such as construction or renovation loans at Sebonic. So, if your financial or employment situation makes you ineligible for a conventional or government-backed loan, or if you’re looking for a construction or other specialty offering, you may consider lenders like Northpointe Bank or New American Funding.
If you need a home equity loan, or want to borrow from a bank that offers home equity products, our guide to the best home equity lenders can be a good place to start looking.
Comparing lenders is the only way to make sure you get the best possible mortgage for you, and you can start using our table below. Select See rates to provide the lender with basic property and financial details for personalized rates.

Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.

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Apply online for free and lock in your rate for 90 days.
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