What loan types does C & F Mortgage Corporation offer?

C & F Mortgage Corporation offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does C & F Mortgage Corporation offer mortgages?

C & F Mortgage Corporation offers mortgages in 11 states: DC, FL, GA, MD, MS, NC, PA, SC, TN, VA, WV.

How competitive are C & F Mortgage Corporation's mortgage rates?

C & F Mortgage Corporation has an overall pricing score of 29.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is C & F Mortgage Corporation?

C & F Mortgage Corporation is a Independent Mortgage Company headquartered in WEST POINT, VA.

Unclaimed

C & F Mortgage Corporation

Independent Mortgage Company•WEST POINT, VA•Direct

We analyzed every closed loan from C F Mortgage — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Exceptional

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

Multi-Region · 9 mkts

Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐USDA Superstar⭐Purchase Superstar

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Safe Rate's Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

C & F Mortgage Corporation performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +34.0 bps above market avg
Pull Through Closing strength	Exceptional	Market Leader Top 20% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
USDA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Multi-Regional10 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Strong	845	63.8%	+0.232%Above	$3,092Fees
FHA Loans	Strong	Strong	Acceptable	Exceptional	309	23.3%	+0.764%Above	$3,417Fees
VA Loans	Sound	Strong	Mediocre	Exceptional	113	8.5%	-0.142%Below	$3,741Fees
Jumbo Loans	Strong	Strong	—	Strong	20	1.5%	-0.777%Below	$3,790Fees
USDA Loans	Strong	Strong	Sound	Exceptional	38	2.9%	+0.423%Above	$1,492Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Acceptable	Strong	1,205	90.9%	+0.351%Above	$3,163Fees
Refinance	Sound	Strong	Acceptable	Strong	120	9.1%	+0.246%Above	$3,384Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,325

Applications

1,626

Volume

$456 million

Pricing & Closing

Avg Rate Spread

+0.340%

vs. market APOR

Avg Net Fees

$3,185

Origination − Credits

Pullthrough Rate

81.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$344,411

Avg Borrower Income

$134,739

Avg Property Value

$438,660

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

DCFLGAMDMSNCPASCTNVAWV

Top Metro Areas by Place Specialization Score

Richmond, VA, VAMSA

Volume: 658Mix: 49.66%of portfolio

Place

Exceptional

Staunton, VAMSA

Volume: 71Mix: 5.36%of portfolio

Place

Exceptional

Virginia Beach, VA-NCMSA

Volume: 166Mix: 12.53%of portfolio

Place

Strong

Arlington, VA-WVMSA

Volume: 53Mix: 4.00%of portfolio

Place

Sound

Harrisonburg, VA, VAMSA

Volume: 21Mix: 1.58%of portfolio

Place

Sound

Charlottesville, VA, VAMSA

Volume: 21Mix: 1.58%of portfolio

Place

Sound

Charlotte, NC-SCMSA

Volume: 33Mix: 2.49%of portfolio

Place

Sound

Baltimore, MDMSA

Volume: 16Mix: 1.21%of portfolio

Place

Sound

Hagerstown, MD-WVMSA

Volume: 12Mix: 0.91%of portfolio

Place

Sound

Top States by Place Specialization Score

VAState

Volume: 1,122Mix: 84.68%of portfolio

Place

Exceptional

WVState

Volume: 47Mix: 3.55%of portfolio

Place

Strong

NCState

Volume: 92Mix: 6.94%of portfolio

Place

Sound

MDState

Volume: 41Mix: 3.09%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.