Michael Royer

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.

Country

United States

City

Greater Abilene Area

Industry

Financial Services

Skill

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

Cardinal Financial Company, Limited Partnership

President

Cardinal Financial Company, Limited Partnership

LinkedIn
2024-1 - Present · 2 yrs 9 mos

Abilene, Texas, United States

Cardinal Financial Company, Limited Partnership

Chief Production Officer

Cardinal Financial Company, Limited Partnership

LinkedIn
2022-11 - 2024-1 · 1 yr 3 mos

Abilene, Texas, United States

AnnieMac Home Mortgage

Chief Production Officer TPO and Consumer Direct

AnnieMac Home Mortgage

LinkedIn
2020-11 - 2022-9 · 1 yr 11 mos

Dallas, Texas, United States

Mr. Cooper

Senior Vice President, Wholesale Lending

Mr. Cooper

LinkedIn
2019-2 - 2020-7 · 1 yr 6 mos

Dallas, TX

Pacific Union Financial, LLC

Executive Vice President, Wholesale Lending

Pacific Union Financial, LLC

LinkedIn
2018-5 - 2019-1 · 9 mos

Dallas/Fort Worth Area

Stearns Lending, Inc

Managing Director, Wholesale

Stearns Lending, Inc

LinkedIn
2016-8 - 2018-3 · 1 yr 8 mos

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

Stearns Lending, Inc

Executive Vice President National Director of Wholesale

Stearns Lending, Inc

LinkedIn
2014-2 - 2016-7 · 2 yrs 6 mos

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.

Stearns Lending, Inc

Senior Vice President Director of Wholesale

Stearns Lending, Inc

LinkedIn
2013-12 - 2014-2 · 3 mos
Stearns Lending, Inc

National Sales Leader - Wholesale

Stearns Lending, Inc

LinkedIn
2012-10 - 2013-12 · 1 yr 3 mos

Santa Ana, CA

Stearns Lending, Inc

Divisional Sales Leader - Eastern U.S.

Stearns Lending, Inc

LinkedIn
2012-5 - 2012-10 · 6 mos

Santa Ana, CA

MetLife Home Loans

Divisional Sales Leader - East

MetLife Home Loans

LinkedIn
2011-1 - 2012-3 · 1 yr 3 mos
Bank of America

Senior Vice President, Sales Performance Executive and Eastern Sales Leader

Bank of America

LinkedIn
2008-7 - 2010-12 · 2 yrs 6 mos
Bank of America

DEVP, Eastern Sales Leader

Bank of America

LinkedIn
2008-6 - 2009-4 · 11 mos
Bank of America

DEVP, Northeast Sales Leader

Bank of America

LinkedIn
2007-11 - 2008-6 · 8 mos
Bank of America

SVP, Divisional Sales Manager

Bank of America

LinkedIn
2005-11 - 2007-11 · 2 yrs 1 mo
Mortgage Banking Consultant

Consultant

Mortgage Banking Consultant

2001-8 - 2005-10 · 4 yrs 3 mos
FHB Funding Corp.

Chief Operating Officer

FHB Funding Corp.

1997-1 - 2001-7 · 4 yrs 7 mos
Cityscape Financial Corp.

Senior Vice President

Cityscape Financial Corp.

1992-4 - 1997-1 · 4 yrs 10 mos

Michael Royer's Contact Information

Email

******@***.com

Phone

(**) *** ****

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