We Are

Our Story

APM is a top-10 Independent Mortgage Banker with more than 1,700 licensed loan advisors and over 200 branches, serving home buyers across the United States. We’re known for Creating Experiences That MatterTM, and serve our communities, referral partners, and borrowers through our local retail branches with a personal touch and attention to detail.

As a company, we embrace the concept of homeownership with enthusiasm and optimism for America. Every employee at APM knows that every transaction represents a family, a home, and a life decision, and we understand that our participation is a privilege and that our job in the end is to delight everyone involved in the loan process… because, after all, there’s not much more that matters than the human connection and home.

In 2020, we served more than 65,000 customers and funded more than $22 billion in home loans—all while earning more than 70,000 published consumer reviews with an average rating of 4.96 stars!

businessman talking on mobile phone by city building

The market is
the market.

The industry, trends, product guidelines, rates . . . All of it can change on a dime. We believe that you have to be able to survive right now. We don’t believe in the “ride it out” mentality or a “when the market picks up again” way of thinking. For us, it’s about operating in the mindset that “this is the new norm,” whatever it might be that day. It’s about being mentally tough to hunker down and get to work no matter what the market conditions are.

It’s all about being nimble. Quick to change strategies and tactics. Meticulously adhering to a process or being open to writing new ones. Adaptability and the strength to succeed now is the key. How do we do it? With open-minded, eager professionals on our team who are process-driven and see the bigger picture.

Awards & Recognition

We’re humbled by the recognition we’ve received. It’s proof that, through our customer service and technology, we’re making the right steps to deliver the best mortgage experience possible.


AWARD | 2017

Proud Member of


This is not an advertisement pursuant to 12 C.F.R. 1026.2(a)(2). This is informational, recruiting material intended for mortgage professionals only and is not for distribution to consumers or prospective applicants for residential mortgage loans. Cardinal Financial Company, Limited Partnership, NMLS ID 66247, is an Equal Housing Opportunity Lender. Corporate Address: 3701 Arco Corporate Drive, Suite 200, Charlotte, North Carolina 28273. Licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.