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Claim this ProfileC & F Mortgage Corporation
We analyzed every closed loan from C & F Mortgage Corporation — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
USDA
Superstar
Purchase
Superstar
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
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+34.0 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
845 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
FHA
309 loans · 0.76% above market
Strong
Top 40% of lenders
4/5
VA
113 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
Jumbo
20 loans · 0.78% below market
Strong
Top 40% of lenders
4/5
USDA
38 loans · 0.42% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,205 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
Refinance
120 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 845 | 63.8% | +0.232%Above | $3,092Fees | ||||
FHA Loans | 309 | 23.3% | +0.764%Above | $3,417Fees | ||||
VA Loans | 113 | 8.5% | -0.142%Below | $3,741Fees | ||||
Jumbo Loans | — | 20 | 1.5% | -0.777%Below | $3,790Fees | |||
USDA Loans | 38 | 2.9% | +0.423%Above | $1,492Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume845
Mix63.8%
Spread
+0.232%Above
Fees
$3,092Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume309
Mix23.3%
Spread
+0.764%Above
Fees
$3,417Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume113
Mix8.5%
Spread
-0.142%Below
Fees
$3,741Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix1.5%
Spread
-0.777%Below
Fees
$3,790Fees
USDA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume38
Mix2.9%
Spread
+0.423%Above
Fees
$1,492Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,205 | 90.9% | +0.351%Above | $3,163Fees | ||||
Refinance | 120 | 9.1% | +0.246%Above | $3,384Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,205
Mix90.9%
Spread
+0.351%Above
Fees
$3,163Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume120
Mix9.1%
Spread
+0.246%Above
Fees
$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
9
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 5050–100100+None
Northeast1
PA
South10
DCFLGAMDMSNCSCTNVAWV
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.