C&F Mortgage Corporation Mortgage Lending & HMDA Data, 2012
In 2012, C&F Mortgage Corporation of Midlothian, VA reported 4,959 mortgage applications totaling $1.0 billion, up 29% from 2011. The average application was for $203,215, and applicants reported an average income of $83,241. 82% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Richmond, VA (1,244), Washington-Arlington-Alexandria, DC-VA-MD-WV (1,132) and Baltimore-Towson, MD (536) (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 | 4,959 |
| Total Mortgage Loan Application Amount | $1,007,746,000 |
| Average Mortgage Loan Application Amount | $203,215 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $83,241 |
| Highest Applicant Income | $1,797,000 |
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(HMDA) records C&F Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 3,182 | $594,785,000 | $186,000 | $970,000 | $75,000 | $810,000 |
| Refinancing | 1,777 | $412,961,000 | $232,000 | $1,500,000 | $98,000 | $1,797,000 |
| Home Improvement | 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 | 3,824 | $788,019,000 | $206,000 | $1,500,000 | $87,000 | $1,797,000 |
| Black or African American | 675 | $124,224,000 | $184,000 | $760,000 | $65,000 | $344,000 |
| Not Provided | 214 | $46,246,000 | $216,000 | $910,000 | $86,000 | $720,000 |
| Hispanic | 142 | $25,655,000 | $180,000 | $556,000 | $59,000 | $270,000 |
| Asian | 81 | $18,658,000 | $230,000 | $671,000 | $90,000 | $295,000 |
| American Indian or Alaskan Native | 15 | $3,223,000 | $214,000 | $472,000 | $80,000 | $195,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,721,000 | $215,000 | $525,000 | $92,000 | $204,000 |
| 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) | 2,512 | $517,707,000 | $206,000 | $1,500,000 | $105,000 | $1,797,000 |
| FHA-insured (Federal Housing Administration) | 1,485 | $273,310,000 | $184,000 | $637,000 | $63,000 | $535,000 |
| VA-guaranteed (Veterans Administration) | 503 | $139,152,000 | $276,000 | $750,000 | $70,000 | $344,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 459 | $77,577,000 | $169,000 | $426,000 | $49,000 | $120,000 |
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 | 4,079 | $835,009,000 | $204,000 | $1,500,000 | $84,000 | $1,797,000 |
| Application Withdrawn By Applicant | 493 | $97,895,000 | $198,000 | $910,000 | $82,000 | $569,000 |
| File Closed For Incompleteness | 233 | $48,908,000 | $209,000 | $796,000 | $91,000 | $720,000 |
| Application Denied By Financial Institution | 150 | $25,339,000 | $168,000 | $562,000 | $67,000 | $535,000 |
| Application Approved But Not Accepted | 4 | $595,000 | $148,000 | $213,000 | $40,000 | $90,000 |
| 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 | 59 | $9,875,000 | $167,000 | $525,000 | $64,000 | $535,000 |
| Debt-To-Income Ratio | 38 | $6,268,000 | $164,000 | $495,000 | $47,000 | $132,000 |
| Collateral | 27 | $4,935,000 | $182,000 | $562,000 | $86,000 | $322,000 |
| Other | 10 | $1,241,000 | $124,000 | $181,000 | $69,000 | $152,000 |
| Employment History | 8 | $1,620,000 | $202,000 | $283,000 | $70,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $497,000 | $99,000 | $195,000 | $42,000 | $85,000 |
| Credit Application Incomplete | 3 | $903,000 | $301,000 | $417,000 | $233,000 | $360,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into C&F Mortgage Corporation's 2012 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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