C&F Mortgage Corporation Mortgage Lending & HMDA Data, 2016
In 2016, C&F Mortgage Corporation of Midlothian, VA reported 3,699 mortgage applications totaling $771.6 million, up 18% from 2015. The average application was for $208,602, and applicants reported an average income of $82,275. 84% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Richmond, VA (1,498), Washington-Arlington-Alexandria, DC-VA-MD-WV (711) and Virginia Beach-Norfolk-Newport News, VA-NC (216) (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 | 3,699 |
| Total Mortgage Loan Application Amount | $771,620,000 |
| Average Mortgage Loan Application Amount | $208,602 |
| Highest Mortgage Loan Application Amount | $674,000 |
| Average Applicant Income | $82,275 |
| Highest Applicant Income | $1,440,000 |
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(HMDA) records C&F Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 2,963 | $599,659,000 | $202,000 | $670,000 | $78,000 | $1,440,000 |
| Refinancing | 682 | $160,577,000 | $235,000 | $674,000 | $100,000 | $1,089,000 |
| Home Improvement | 54 | $11,384,000 | $210,000 | $483,000 | $93,000 | $487,000 |
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 | 2,678 | $568,711,000 | $212,000 | $674,000 | $86,000 | $1,440,000 |
| Black or African American | 501 | $91,928,000 | $183,000 | $585,000 | $65,000 | $280,000 |
| Not Provided | 237 | $53,381,000 | $225,000 | $670,000 | $89,000 | $1,089,000 |
| Hispanic | 181 | $33,194,000 | $183,000 | $535,000 | $66,000 | $257,000 |
| Asian | 64 | $14,657,000 | $229,000 | $541,000 | $92,000 | $372,000 |
| American Indian or Alaskan Native | 27 | $7,722,000 | $286,000 | $620,000 | $102,000 | $309,000 |
| Native Hawaiin or Other Pacific Islander | 11 | $2,027,000 | $184,000 | $340,000 | $70,000 | $120,000 |
| 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) | 1,844 | $381,378,000 | $206,000 | $621,000 | $100,000 | $1,440,000 |
| FHA-insured (Federal Housing Administration) | 1,180 | $231,437,000 | $196,000 | $636,000 | $63,000 | $321,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 338 | $60,604,000 | $179,000 | $431,000 | $55,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 337 | $98,201,000 | $291,000 | $674,000 | $85,000 | $309,000 |
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 | 3,105 | $658,131,000 | $211,000 | $674,000 | $84,000 | $1,440,000 |
| Application Withdrawn By Applicant | 385 | $70,895,000 | $184,000 | $580,000 | $74,000 | $484,000 |
| File Closed For Incompleteness | 98 | $23,122,000 | $235,000 | $577,000 | $87,000 | $288,000 |
| Application Denied By Financial Institution | 88 | $15,063,000 | $171,000 | $620,000 | $61,000 | $221,000 |
| Application Approved But Not Accepted | 23 | $4,409,000 | $191,000 | $405,000 | $76,000 | $187,000 |
| 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 | 32 | $5,188,000 | $162,000 | $430,000 | $60,000 | $157,000 |
| Debt-To-Income Ratio | 22 | $3,993,000 | $181,000 | $473,000 | $44,000 | $165,000 |
| Collateral | 13 | $2,025,000 | $155,000 | $620,000 | $77,000 | $221,000 |
| Other | 10 | $1,709,000 | $170,000 | $585,000 | $73,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,061,000 | $212,000 | $358,000 | $45,000 | $89,000 |
| Employment History | 4 | $717,000 | $179,000 | $404,000 | $89,000 | $209,000 |
| Unverifiable Information | 1 | $203,000 | $203,000 | $203,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into C&F Mortgage Corporation's 2016 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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