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Scott Whitlock

Branch Manager
NMLS ID#347321

Scott Whitlock moved to Napa, CA at the age of three and has always felt at home in Wine Country, pursuing a career in the wine industry before becoming a Loan Officer. A graduate of Cal Poly, San Luis Obispo, Scott moved back to Napa to purchase a home and raise his five children (four boys and one girl). As a proud father, he understands the importance of taking care of family and finding the right loan for each customer, priding himself on integrity of choosing the client’s interests over his own.


A disabled veteran, Scott has made specializing in VA loans and working with the military community a priority, though with over 17 years of lending experience, he stays current on a wide variety of programs, including FHA, Fannie Mae, Freddie Mac and Jumbo loans. With his extensive experience, Scott understands the importance of having the right program for the customer purchasing a home. While there are a number of other lenders available, there are none who work as hard as Scott and his team.


“A big reason I decided to go into the loan industry was based on my first home buying experience. I was young and had no idea how complicated it was to purchase a home, and we had to rely and trust upon the expertise of those who had been in the industry.


“When you purchase a home, it’s not like a car, you are invested for much longer and the decisions you make ultimately have greater consequences. After I purchased my first home, I wanted to help others achieve that same dream, and so I took the necessary steps to get to where I am today.


“Cardinal is the best at what they do, and they offer extremely competitive rates. A lot of what we do is educating the customer so that they can make an informed decision regarding their future. We truly care about the customer and that is very apparent when you talk to anyone who works here.”

Quick Response

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"I worked with the Scott Whitlock on the purchase of my first home. He helped me tremendously navigating all the information and details involved. As a first-time home buyer, I really appreciated his honesty, helpfulness and patience answering all my many, many questions and concerns. Scott was always quick to respond and sticked with me for a very long time through all the homes and bids in the San Francisco Bay Area. I couldn't have found a better person on my side than Scott for my first home!"

- Kimber H. from San Leandro, CA

Highly Recommend

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"Scott is awesome! On first contact, he made me and my wife feel at ease with the entire process of obtain a VA loan. Not only was he very knowledgeable on all process of the loan, but he was also very personable. Scott made efforts to continually assure us everything was going well and kept us up-to-date on everything. It wasn't just his professionalism that makes him great, it's also the fact that he takes a personal interest in you. Even after the loan was approved, he offered to continue to assist us in anything we need help with. We are so happy we met Scott and we highly recommend Scott to anyone".

- Phonesavanh L. from Antelope, CA

Rock Star

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"We've been working with Scott for over 5 years through two mortgages, two refi's and I cannot begin to express how incredible this team is. Scott is a rockstar who is available day and night and provides empathetic responses to the tough questions and continues to just treat us like family.They worked diligently to get my VA loan approved in the tough Bay Area housing market and worked with us to close a home in southern California. Superb service and great rates!"

- Brian B.  from Carlsbad, CA

Financing the Future Together

What Loan Program is Right for Me?

Grasping the mortgage process is one of the toughest and most stressful parts of buying a home, but you don’t have to be a master. There are various loan options to choose from, so keeping yourself informed and knowing the basics will get you steps closer to owning your dream home.

Find the loan that fits you best.


We never settle. We never stop. We’re always moving forward.

Contact Us

By submitting a request to be contacted, you agree that Cardinal Financial Company, Limited Partnership may contact you at the telephone number or email address you have provided for purposes of fulfilling this inquiry about mortgage financing, even if you previously registered on a corporate, state, or federal Do Not Call registry or requested Cardinal Financial Company, Limited Partnership not send marketing information to you by use of phone, email or text message. You agree Cardinal Financial Company, Limited Partnership may use automated dialing systems and prerecorded voice messaging in connection with calls or texts made to any telephone number provided even if call or text results in a charge by your provider. Consent to receiving autodialed calls or texts is not required as a condition of purchasing any Cardinal Financial Company, Limited Partnership products or services and you may choose to contact a Loan Originator by calling (855) 561-4944.

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Scott Whitlock
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