# CF Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/cf-bank-national-association

> **📋 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

CF Bank, National Association is a bank, headquartered in Worthington, OH, serving borrowers across 18 states, with 152 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300ZGCIDP1G72QO72
- **Headquarters:** Worthington, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AZ, CA, CO, FL, IN, KY, MD, MI, NC, NH, NV, OH, PA, SC, TN, TX, VA, VT
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.455%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,094
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 152
- **Dollar Volume:** $49 million
- **Applications Received:** 265
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $324,342
- **Average Borrower Income:** $195,020

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 141 | +0.469% | $1,120 | Acceptable 🙂 |
| FHA | 48/100 | 10 | +0.165% | $61 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 112 loans, Score: 36/100 (Acceptable)
- Refinance: 29 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 121 | $38M | +0.497% | Acceptable 🙂 |
| Refinance | 36/100 | 31 | $11M | +0.298% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 108 | 0.08% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 39 | 62/100 |
| Cleveland, OH | OH | 22 | 55/100 |
| Non |  | 15 | 29/100 |
| Canton | OH | 12 | 48/100 |
| Akron, OH | OH | 11 | 47/100 |

## Frequently Asked Questions

### What loan types does CF Bank, National Association offer?

CF Bank, National Association offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CF Bank, National Association offer mortgages?

CF Bank, National Association offers mortgages in 18 states: AZ, CA, CO, FL, IN, KY, MD, MI, NC, NH, NV, OH, PA, SC, TN, TX, VA, VT.

### How competitive are CF Bank, National Association's mortgage rates?

CF Bank, National Association has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.455% above market average.

### What type of lender is CF Bank, National Association?

CF Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Worthington, OH.

### What is CF Bank, National Association's loan approval success rate?

CF Bank, National Association has a pull-through score of 38/100 (Acceptable). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/cf-bank-national-association

### How to Cite

> "CF Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cf-bank-national-association

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