What loan types does CF Bank offer?

CF Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does CF Bank offer mortgages?

CF Bank offers mortgages in 18 states: AZ, CA, CO, FL, IN, KY, MD, MI, NC, NH, NV, OH, PA, SC, TN, TX, VA, VT.

How competitive are CF Bank's mortgage rates?

CF Bank has an overall pricing score of 55.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CF Bank?

CF Bank is a Bank headquartered in Worthington, OH.

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CF Bank

Bank•Worthington, OHHQ•Direct•Reviews near you on Google

CF Bank has 152 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Sound

3/5

Multi-Region · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

CF Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+45.5 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

141 loans · 0.47% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

10 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

121 loans · 0.50% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

31 loans · 0.30% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Sound	Acceptable	141	92.8%	+0.469%Above	$1,120Fees
FHA Loans	Sound	Sound	—	Sound	10	6.6%	+0.165%Above	$61Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume141

Mix92.8%

Spread

+0.469%Above

Fees

$1,120Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume10

Mix6.6%

Spread

+0.165%Above

Fees

$61Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Acceptable	121	79.6%	+0.497%Above	$1,288Fees
Refinance	Sound	Acceptable	Strong	Acceptable	31	20.4%	+0.298%Above	$368Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume121

Mix79.6%

Spread

+0.497%Above

Fees

$1,288Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume31

Mix20.4%

Spread

+0.298%Above

Fees

$368Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

152

Applications

265

Volume

$49 million

Pricing & Closing

Avg Rate Spread

+0.455%

vs. market APOR

Avg Net Fees

$1,094

Origination − Credits

Pullthrough Rate

57.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$324,342

Avg Borrower Income

$195,020

Avg Property Value

$411,184

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

18Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast3

NHPAVT

Midwest3

INMIOH

South8

FLKYMDNCSCTNTXVA

West4

AZCACONV

Top Metro Areas by Place Specialization Score

Columbus, OHMetro

Volume 39Mix 25.66% of portfolio

62/100

Strong

Cleveland, OHMetro

Volume 22Mix 14.47% of portfolio

55/100

Sound

Canton, OHMetro

Volume 12Mix 7.89% of portfolio

48/100

Sound

Akron, OHMetro

Volume 11Mix 7.24% of portfolio

47/100

Sound

Top States by Place Specialization Score

OhioState

Volume 108Mix 71.05% of portfolio

67/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.