C
We analyzed every closed loan from C F Mortgage — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Multi-Region · 9 mkts
Safe Rate Awards⭐USDA Superstar
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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
Explore another lender or local market
Report Card
C & F Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +34.0 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional10 markets | |
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 |
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 |
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
States Served
11
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
DCFLGAMDMSNCPASCTNVAWV
Top Metro Areas by Place Specialization Score
1
Richmond, VA, VAMSA
Volume: 658Mix: 49.66%of portfolio
Place
Exceptional2
Staunton, VAMSA
Volume: 71Mix: 5.36%of portfolio
Place
Exceptional3
Virginia Beach, VA-NCMSA
Volume: 166Mix: 12.53%of portfolio
Place
Strong4
Arlington, VA-WVMSA
Volume: 53Mix: 4.00%of portfolio
Place
Sound5
Harrisonburg, VA, VAMSA
Volume: 21Mix: 1.58%of portfolio
Place
Sound6
Charlottesville, VA, VAMSA
Volume: 21Mix: 1.58%of portfolio
Place
Sound7
Charlotte, NC-SCMSA
Volume: 33Mix: 2.49%of portfolio
Place
Sound8
Baltimore, MDMSA
Volume: 16Mix: 1.21%of portfolio
Place
Sound9
Hagerstown, MD-WVMSA
Volume: 12Mix: 0.91%of portfolio
Place
SoundTop States by Place Specialization Score
1
VAState
Volume: 1,122Mix: 84.68%of portfolio
Place
Exceptional2
WVState
Volume: 47Mix: 3.55%of portfolio
Place
Strong3
NCState
Volume: 92Mix: 6.94%of portfolio
Place
Sound4
MDState
Volume: 41Mix: 3.09%of portfolio
Place
SoundHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.