Purchase Originations
1,427
Ranked #293 nationally
Median Total Costs
$6,651
−0.4% vs national ($6,680)
↓ $531 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,814
Median Lender Credits
$86
Cost Rank (500+ vol.)
#333
among lenders with 500+ originations
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 885 | 6.625% | $5,259 | $1,890 |
| fha | 362 | 6.375% | $10,198 | $1,830 |
| va | 138 | 6.250% | $9,737 | $2,105 |
| usda | 42 | 6.312% | $6,572 | $1,520 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 1,173 | 6.500% | $6,716 | #17 |
| North Carolina | 145 | 6.500% | $6,754 | #126 |
| West Virginia | 43 | 6.500% | $4,657 | — |
| Maryland | 29 | 6.750% | $5,018 | — |
| South Carolina | 14 | 6.625% | $4,888 | — |
| Florida | 7 | 6.625% | $11,618 | — |
| Mississippi | 6 | 5.995% | $8,311 | — |
| Georgia | 3 | 6.125% | $8,750 | — |
| Pennsylvania | 3 | 6.625% | $5,897 | — |
| Tennessee | 2 | 6.312% | $4,135 | — |
| District of Columbia | 1 | 6.375% | $9,158 | — |
| Ohio | 1 | 6.125% | $3,480 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,573 | 6.500% | — | 25 | −$2,078 | |
| 2 | $5,112 | 6.375% | — | 25 | −$1,539 | |
| 3 | $5,343 | 6.625% | — | 34 | −$1,308 | |
| 4 | $5,643 | 6.500% | — | 206 | −$1,008 | |
| 5 | $5,835 | 6.500% | — | 79 | −$816 | |
| 6 | $6,375 | 6.500% | — | 136 | −$276 | |
| 7 | $6,486 | 6.500% | — | 90 | −$165 | |
| 8 | $6,622 | 6.375% | — | 27 | −$29 | |
| 9 | $6,655 | 6.688% | — | 16 | +$4 | |
| 10 | $6,865 | 6.625% | — | 29 | +$214 | |
| 11 | $7,214 | 6.500% | — | 18 | +$563 | |
| 12 | $7,996 | 6.500% | — | 34 | +$1,345 | |
| 13 | $8,150 | 6.500% | — | 14 | +$1,499 | |
| 14 | $8,159 | 6.625% | — | 20 | +$1,508 | |
| 15 | $8,272 | 6.750% | — | 14 | +$1,621 | |
| 16 | $8,362 | 6.500% | — | 47 | +$1,711 | |
| 17 | $8,413 | 6.375% | — | 20 | +$1,762 | |
| 18 | $8,590 | 6.250% | — | 15 | +$1,939 | |
| 19 | $8,669 | 6.558% | — | 16 | +$2,018 | |
| 20 | $9,890 | 6.375% | — | 19 | +$3,239 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | C & F Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,651 | $7,127 | −$476 (−6.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.