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C & F Mortgage Corporation
Independent Mortgage Company|WEST POINT, VA|Multi-Region
Loans Originated
1,325
Applications
1,626
Volume
$456 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.340%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,185
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.5%
Percentage of applications that result in closed loans
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
Report Card
C & F Mortgage Corporation performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 10 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$344,411
Average Borrower Income
$134,739
Average Property Value
$438,660
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% | $3,092 |
FHA Loans | Sound | Strong | Acceptable | Exceptional | 309 | 23.3% | +0.764% | $3,417 |
VA Loans | Sound | Strong | Mediocre | Exceptional | 113 | 8.5% | -0.142% | $3,741 |
Jumbo Loans | Strong | Strong | N/A | Strong | 20 | 1.5% | -0.777% | $3,790 |
USDA Loans | Strong | Strong | Sound | Exceptional | 38 | 2.9% | +0.423% | $1,492 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 1,205 | 90.9% | +0.351% | $3,163 |
Refinance | Sound | Strong | Acceptable | Strong | 120 | 9.1% | +0.246% | $3,384 |
Geographic Coverage
Metro Areas
9
States Served
11
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DCFLGAMDMSNCPASCTNVAWV
Top Metro Areas by Place Specialization Score
1
Richmond, VA, VAMSA
Volume: 658Mix: 49.66%
Place Specialization
Exceptional
2
Staunton, VAMSA
Volume: 71Mix: 5.36%
Place Specialization
Exceptional
3
Virginia Beach, VA-NCMSA
Volume: 166Mix: 12.53%
Place Specialization
Strong
4
Arlington, VA-WVMSA
Volume: 53Mix: 4.00%
Place Specialization
Sound
5
Harrisonburg, VA, VAMSA
Volume: 21Mix: 1.58%
Place Specialization
Sound
6
Charlottesville, VA, VAMSA
Volume: 21Mix: 1.58%
Place Specialization
Sound
7
Charlotte, NC-SCMSA
Volume: 33Mix: 2.49%
Place Specialization
Sound
8
Baltimore, MDMSA
Volume: 16Mix: 1.21%
Place Specialization
Sound
9
Hagerstown, MD-WVMSA
Volume: 12Mix: 0.91%
Place Specialization
Sound
Top States by Place Specialization Score
1
VAState
Volume: 1,122Mix: 84.68%
Place Specialization
Exceptional
2
WVState
Volume: 47Mix: 3.55%
Place Specialization
Strong
3
NCState
Volume: 92Mix: 6.94%
Place Specialization
Sound
4
MDState
Volume: 41Mix: 3.09%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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