C&F Mortgage Corporation Mortgage Lending & HMDA Data, 2004
In 2004, C&F Mortgage Corporation of Midlothian, VA reported 6,693 mortgage applications totaling $1.1 billion, down 19% from 2003. The average application was for $165,718, and applicants reported an average income of $71,781. 81% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Richmond, VA (1,868), Baltimore-Towson, MD (819) and Charlottesville, VA (686) (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 | 6,693 |
| Total Mortgage Loan Application Amount | $1,109,154,000 |
| Average Mortgage Loan Application Amount | $165,718 |
| Highest Mortgage Loan Application Amount | $1,940,000 |
| Average Applicant Income | $71,781 |
| Highest Applicant Income | $1,859,000 |
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(HMDA) records C&F Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 | 4,792 | $768,978,000 | $212,571 | $1,500,000 | $145,928 | $1,582,000 |
| Refinancing | 1,870 | $337,117,000 | $234,500 | $1,940,000 | $141,071 | $1,859,000 |
| Home Improvement | 31 | $3,059,000 | $71,250 | $323,000 | $108,500 | $408,000 |
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 | 4,974 | $829,696,000 | $240,666 | $1,940,000 | $152,600 | $1,859,000 |
| Black or African American | 813 | $127,613,000 | $143,800 | $750,000 | $56,500 | $304,000 |
| Not Provided | 582 | $98,301,000 | $191,125 | $880,000 | $66,125 | $610,000 |
| Hispanic | 194 | $31,642,000 | $172,166 | $440,000 | $75,833 | $305,000 |
| Asian | 100 | $17,706,000 | $239,333 | $704,000 | $173,166 | $600,000 |
| American Indian or Alaskan Native | 16 | $2,040,000 | $132,500 | $221,000 | $68,500 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,156,000 | $156,000 | $258,000 | $67,500 | $118,000 |
| 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) | 5,381 | $913,526,000 | $225,933 | $1,940,000 | $143,000 | $1,859,000 |
| FHA-insured (Federal Housing Administration) | 1,005 | $136,897,000 | $139,333 | $295,000 | $36,666 | $290,000 |
| VA-guaranteed (Veterans Administration) | 295 | $57,194,000 | $149,250 | $334,000 | $47,750 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,537,000 | $134,000 | $233,000 | $42,666 | $68,000 |
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 | 5,399 | $898,146,000 | $253,666 | $1,800,000 | $166,066 | $1,859,000 |
| Application Withdrawn By Applicant | 1,205 | $197,897,000 | $196,923 | $1,940,000 | $113,000 | $943,000 |
| Application Denied By Financial Institution | 74 | $10,626,000 | $156,714 | $733,000 | $113,857 | $1,500,000 |
| Application Approved But Not Accepted | 12 | $1,922,000 | $184,000 | $382,000 | $46,000 | $130,000 |
| File Closed For Incompleteness | 3 | $563,000 | $202,500 | $278,000 | $74,500 | $84,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 34 | $4,861,000 | $167,750 | $363,000 | $63,000 | $135,000 |
| Credit Application Incomplete | 12 | $1,644,000 | $124,333 | $255,000 | $140,333 | $208,000 |
| Employment History | 9 | $1,193,000 | $167,333 | $330,000 | $68,666 | $90,000 |
| Other | 7 | $1,433,000 | $266,500 | $733,000 | $763,000 | $1,500,000 |
| Collateral | 7 | $723,000 | $117,666 | $200,000 | $67,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $492,000 | $164,000 | $225,000 | $68,000 | $103,000 |
| Debt-To-Income Ratio | 2 | $280,000 | $140,000 | $159,000 | $42,000 | $48,000 |
| 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 2004 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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with aggregated HMDA statistics today.
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