Meet Octane®

Octane is our home loan platform and system of record. It was built by our parent company, Cardinal Financial, for borrowers looking for a faster, easier, and more streamlined lending experience. Like most mortgage firms, Cardinal saw the pain points that come with mortgage lending and decided to design a tool that would help us deliver the best mortgage experience possible to our borrowers. Octane is giving borrowers the power to have a more convenient lending experience. It’s your loan on your time.

Octane is designed to foster the most predictable, efficient, and controlled lending experience. It collects all of your information up front, generates a live rate quote tailored to your unique financing needs, and seamlessly guides you through a simple to-do list to help you gather required documents in a snap. With Octane, our customers have more control over the process than any other lender can offer. We believe that more control results in a better experience. That’s home financing as it should be.

Peoples Home Equity is powered by Octane.

This loan origination technology was built for borrowers and mortgage advisers. It’s a robust, industrial-grade platform designed to make doing business with us faster, easier, and more efficient than ever before. Octane is a highly engineered solution that doesn’t just benefit our customers and partners, it powers our business.

Why Borrowers Love It

Borrowers today are not only looking for speed and convenience. They’re looking for accuracy. Home financing solutions that are crafted and tailored to their unique needs. Octane makes it easy to get accurate rate quotes, view your loan options, and upload and e-sign required documents.

If you’re tired of the back-and-forth phone calls or wasting time emailing and faxing documents, that stops here. Meet Octane—the industry’s most accurate, modern lending solution that eliminates frustration, saves you time, and happens all where you want it to. At home.

Personalized to-do list.

Octane generates a list of all the necessary documentation we’ll need for your loan.

View your loan options.

Granular details, price breakdowns, and closing costs all at your fingertips.

Monitor your loan progress.

View your loan activity and receive live updates at each loan milestone.

Convenient access.

Sign in even on the weekend to view your loan or get started.

Secure and paperless.

No emailing or faxing. E-sign everything right in Octane.

Want Octane access?

If you’re interested in Octane, we’ve got good news. You can get connected with one of our licensed mortgage advisers today and they’ll help you get started. Once they find out what you’re looking for, they’ll send you a link and invite you to set up your Octane account. Want more information on what our process looks like? Check out Our Process.