Michael Royer
President @ Cardinal Financial Company, Limited Partnership
About
A wise person once said, 'Michael, nothing happens until somebody goes out and sells something.' This mantra has been the cornerstone of my professional journey, guiding me through over 30 years in the mortgage industry. My career is a testament to the power of not just selling, but also collaborating, innovating, and constantly striving for excellence. In late 2022, I embarked on a new chapter as the Chief Production Officer at Cardinal Financial. This role isn't about the prestige of an executive position; it's about being hands-on, about being in the trenches with my team. My experience spans both flourishing and challenging markets, giving me a well-rounded perspective on the industry's ever-evolving landscape. At Cardinal Financial, my focus is on pushing the boundaries of technology to revolutionize the mortgage experience. I am continually inspired by the dedication and ingenuity of our teams, who work tirelessly to make the mortgage process smoother, faster, and more user-friendly for our clients. Every day, I am committed to enhancing our processes, seeking out innovative solutions that benefit not only our clients but also our partners and team members. My vision for Cardinal is clear: to make it the ultimate destination for originators, a place where they can thrive and grow, and a reliable, repeat choice for our clients for all their home loan needs. I firmly believe in what we do at Cardinal for our teams and clients. My question to you is, what can we do for you? Let's explore how Cardinal Financial can be a part of your journey.
United States
Greater Abilene Area
Financial Services
Loans, Mortgage Banking, Mortgage Lending, Loss Mitigation, FHA, Wholesale Lending, Credit, Loan Origination, Residential Mortgages, Refinance, VA loans, FHA financing, Mortgage Underwriting, Underwriting, Reverse Mortgages, USDA, Credit Analysis, Construction Loans, Certified Mortgage Planning, Banking
Experience

Managing Director, Wholesale
Dallas/Fort Worth Area
Michael leads Stearns’ Wholesale Channel – one of largest wholesale lenders in the country. He is responsible for managing all aspects of the wholesale channel, including sales, margin management, loan quality, and oversight of regional operations and fulfillment centers. As the channel’s senior executive, Michael oversees efforts to optimize revenue and resources while providing leadership on all aspects of production quality and process improvement. Headquartered in Santa Ana, California, Stearns Lending, LLC provides mortgage lending solutions throughout the United States for over 25 years. Stearns is licensed to conduct business in 49 states and Washington D.C. Stearns’ business channels include wholesale, retail, correspondent and strategic alliances. At Stearns, our mission statement is simple: “I Can Help You®” and our team executes this mission every day. Stearns Company NMLS# 1854; Equal Housing Lender. Disclaimer: http://bit.ly/1ek1Sb0

Executive Vice President National Director of Wholesale
Dallas/Fort Worth Area
Michael leads Stearns’ Wholesale Channel -- the largest wholesale lender in the country. He is responsible for managing all aspects of the wholesale channel, including sales, margin management, loan quality, and oversight of regional operations and fulfillment centers. As the channel’s senior executive, Michael oversees efforts to optimize revenue and resources while providing leadership on all aspects of production quality and process improvement.

Consultant
Mortgage Banking Consultant

Chief Operating Officer
FHB Funding Corp.

Senior Vice President
Cityscape Financial Corp.
Michael Royer's Contact Information
Phone
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