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Ralph Ponce III 

Retail Area Manager
NMLS ID#270161

Ralph Ponce III has spent over 20 years in the mortgage business, continually driven by this guiding principle: doing business the right way, with the right people.


As a husband to his loving wife and the father to four children, Ralph understands the importance of home ownership and the significance it has for families. It brings him great pride to be a part of someone’s biggest milestone and biggest investment, improving their quality of life and creating a lasting legacy for themselves and their family through the purchase of a home. He stands ready to help the residents of Imperial Valley, Riverside County and San Bernardino County achieve the American Dream.


His decades of expertise in loan originating, processing, underwriting, marketing and real estate positions him as an engaging and trustworthy guide for clients as they navigate the homebuying process, creating lasting relationships with satisfied clients who have achieved their financial goals. Recognized as one of California’s top-performing mortgage originators, Ralph’s dedication, integrity and mastery of the lending process have empowered hundreds of clients to purchase millions of dollars in real estate.

Outside of the office, Ralph also continues to invest in his community, supporting Amigos de Alejandro, an organization supporting children and teens fighting cancer, as well as initiatives working to feed the hungry. He enjoys spending time with his family, listening to and creating motivational content, vacationing, boating and fishing, attending boxing events, listening to music, playing poker and shopping. He has also opened a small boutique record label, Winner $ircle Records, signing his first artist and distributing an album with millions of plays.

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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Ralph Ponce
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