# C & F Mortgage Corporation

> **Canonical URL:** https://saferate.com/lenders/c-f-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


C & F Mortgage Corporation is a independent mortgage company, headquartered in WEST POINT, VA, serving borrowers across 11 states, with 1,325 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300BWFA5UY7H4WJ62
- **Headquarters:** WEST POINT, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** DC, FL, GA, MD, MS, NC, PA, SC, TN, VA, WV
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.2%
- **Brokered/Wholesale:** 2.8%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.340%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,185
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,325
- **Dollar Volume:** $456 million
- **Applications Received:** 1,626
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $344,411
- **Average Borrower Income:** $134,739
- **Average Property Value:** $438,660

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **USDA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 72/100 | 845 | +0.232% | $3,092 | Strong 😀 |
| FHA | 78/100 | 309 | +0.764% | $3,417 | Strong 😀 |
| VA | 73/100 | 113 | -0.142% | $3,741 | Strong 😀 |
| Jumbo | 66/100 | 20 | -0.777% | $3,790 | Strong 😀 |
| USDA | 79/100 | 38 | +0.423% | $1,492 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 753 loans, Score: 72/100 (Strong)
- Refinance: 92 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 291 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 107 loans, Score: 73/100 (Strong)

**USDA:**
- Purchase: 37 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 1,205 | $415M | +0.351% | Strong 😀 |
| Refinance | 61/100 | 120 | $41M | +0.246% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 1,122 | 1.04% | 93/100 |
| NC | 92 | 0.06% | 58/100 |
| WV | 47 | 0.30% | 61/100 |
| MD | 41 | 0.06% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Richmond, VA | VA | 658 | 99/100 |
| Non |  | 216 | 62/100 |
| Virginia Beach | VA-NC | 166 | 75/100 |
| Staunton | VA | 71 | 83/100 |
| Arlington | VA-WV | 53 | 59/100 |
| Charlotte | NC-SC | 33 | 53/100 |
| Charlottesville, VA | VA | 21 | 55/100 |
| Harrisonburg, VA | VA | 21 | 55/100 |
| Baltimore | MD | 16 | 44/100 |
| Hagerstown | MD-WV | 12 | 44/100 |

## Where This Lender Ranks

C & F Mortgage Corporation appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Richmond, VA for USDA Loans
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Richmond, VA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Richmond, VA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Staunton Mortgage Companies
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in West Virginia for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#6** in Virginia Beach for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in Staunton for FHA Loans
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Staunton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in West Virginia for USDA Loans
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/usda-loans)
- 🏆 **#7** in Virginia for USDA Loans
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/usda-loans)
- 🏆 **#7** in Virginia for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#7** in Richmond, VA Mortgage Companies
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Staunton
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders)
- 🏆 **#7** in Harrisonburg, VA Mortgage Companies
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Harrisonburg, VA for FHA Loans
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Harrisonburg, VA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Staunton for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Staunton for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#9** in Staunton for VA Loans
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/va-loans)
- 🏆 **#10** in Harrisonburg, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.340% above market average.

### What type of lender is C & F Mortgage Corporation?

C & F Mortgage Corporation is a non-depository lender that specializes in mortgage origination, headquartered in WEST POINT, VA.

### What is C & F Mortgage Corporation's loan approval success rate?

C & F Mortgage Corporation has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/c-f-mortgage

### How to Cite

> "C & F Mortgage Corporation Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/c-f-mortgage

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