C&F Mortgage Corporation Mortgage Lending & HMDA Data, 2003
In 2003, C&F Mortgage Corporation of Midlothian, VA reported 8,233 mortgage applications totaling $1.3 billion. The average application was for $152,925, and applicants reported an average income of $65,924. 85% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Richmond-Petersburg, VA (2,564), Baltimore, MD (1,290) and Norfolk-Virginia Beach-Newport News, VA-NC (751) (applications in parentheses).
| Mortgage Company & Address | C&F Mortgage Corporation 1400 Alverser Drive Midlothian, VA 23113 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 8,233 |
| Total Mortgage Loan Application Amount | $1,259,036,000 |
| Average Mortgage Loan Application Amount | $152,925 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $65,924 |
| Highest Applicant Income | $2,321,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records C&F Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for C&F Mortgage Corporation in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 4,599 | $683,471,000 | $160,000 | $1,000,000 | $82,200 | $1,320,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 3,634 | $575,565,000 | $179,357 | $999,000 | $97,000 | $2,321,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6,138 | $938,050,000 | $202,733 | $1,000,000 | $97,933 | $2,321,000 |
| Information not provided by applicant in mail or telephone application | 949 | $153,232,000 | $155,916 | $999,000 | $81,083 | $2,239,000 |
| Black | 821 | $119,344,000 | $143,714 | $1,000,000 | $54,285 | $300,000 |
| Hispanic | 173 | $25,023,000 | $149,600 | $360,000 | $124,600 | $515,000 |
| Asian or Pacific Islander | 91 | $14,166,000 | $190,666 | $536,000 | $81,333 | $242,000 |
| Other | 50 | $7,249,000 | $139,750 | $650,000 | $59,500 | $233,000 |
| American Indian or Alaskan Native | 11 | $1,972,000 | $202,666 | $286,000 | $77,666 | $130,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 6,175 | $976,009,000 | $198,058 | $1,000,000 | $109,117 | $2,321,000 |
| FHA-insured (Federal Housing Administration) | 1,578 | $200,716,000 | $134,250 | $274,000 | $44,750 | $369,000 |
| VA-guaranteed (Veterans Administration) | 463 | $77,528,000 | $177,428 | $307,000 | $51,285 | $515,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $4,783,000 | $241,666 | $1,000,000 | $122,000 | $612,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 7,010 | $1,079,991,000 | $187,411 | $999,000 | $94,529 | $2,239,000 |
| Application Withdrawn By Applicant | 1,168 | $170,603,000 | $126,200 | $1,000,000 | $74,400 | $2,321,000 |
| Application Denied By Financial Institution | 42 | $6,402,000 | $153,600 | $743,000 | $70,800 | $396,000 |
| Application Approved But Not Accepted | 11 | $1,646,000 | $154,000 | $480,000 | $95,500 | $154,000 |
| File Closed For Incompleteness | 2 | $394,000 | $197,000 | $299,000 | $99,500 | $175,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 19 | $2,633,000 | $169,750 | $264,000 | $62,000 | $90,000 |
| Other | 9 | $1,964,000 | $144,750 | $743,000 | $90,000 | $396,000 |
| Debt-To-Income Ratio | 6 | $854,000 | $156,000 | $265,000 | $65,000 | $93,000 |
| Collateral | 3 | $174,000 | $57,000 | $93,000 | $32,500 | $43,000 |
| Credit Application Incomplete | 2 | $187,000 | $93,000 | $118,000 | $25,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $409,000 | $204,000 | $275,000 | $92,000 | $127,000 |
| Employment History | 1 | $181,000 | $181,000 | $181,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into C&F Mortgage Corporation's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess C&F Mortgage Corporation's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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