C & 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
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
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
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
11Northeast1
PA
South10
DCFLGAMDMSNCSCTNVAWV
Top Metro Areas by Place Specialization Score
Volume 658Mix 49.66% of portfolio
99/100
Exceptional
Volume 71Mix 5.36% of portfolio
83/100
Exceptional
Volume 166Mix 12.53% of portfolio
75/100
Strong
Volume 53Mix 4.00% of portfolio
59/100
Sound
Volume 21Mix 1.58% of portfolio
55/100
Sound
Volume 21Mix 1.58% of portfolio
55/100
Sound
Volume 33Mix 2.49% of portfolio
53/100
Sound
Volume 16Mix 1.21% of portfolio
44/100
Sound
Volume 12Mix 0.91% of portfolio
44/100
SoundTop States by Place Specialization Score
1
VirginiaState
Volume 1,122Mix 84.68% of portfolio
93/100
Exceptional2
West VirginiaState
Volume 47Mix 3.55% of portfolio
61/100
Strong3
North CarolinaState
Volume 92Mix 6.94% of portfolio
58/100
Sound4
MarylandState
Volume 41Mix 3.09% of portfolio
53/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 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.