C&F Mortgage Corporation Mortgage Lending & HMDA Data, 2024
In 2024, C&F Mortgage Corporation of Midlothian, VA reported 1,939 mortgage applications totaling $601.3 million, up 2% from 2023. The average application was for $310,095, and applicants reported an average income of $132,211. 79% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Richmond, VA (947), Virginia Beach-Norfolk-Newport News, VA-NC (236) and Staunton-Waynesboro, VA (122) (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 | 1,939 |
| Total Mortgage Loan Application Amount | $601,275,000 |
| Average Mortgage Loan Application Amount | $310,095 |
| Highest Mortgage Loan Application Amount | $5,805,000 |
| Average Applicant Income | $132,211 |
| Highest Applicant Income | $2,083,000 |
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(HMDA) records C&F Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 1,737 | $535,425,000 | $308,000 | $5,805,000 | $132,000 | $2,083,000 |
| Cash-out Refinancing | 106 | $27,950,000 | $263,000 | $765,000 | $125,000 | $741,000 |
| Refinancing | 96 | $37,900,000 | $394,000 | $1,055,000 | $144,000 | $687,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,329 | $426,645,000 | $321,000 | $5,805,000 | $140,000 | $2,083,000 |
| Black or African American | 228 | $57,900,000 | $253,000 | $815,000 | $95,000 | $392,000 |
| Not Provided | 200 | $60,090,000 | $300,000 | $1,155,000 | $142,000 | $741,000 |
| Hispanic | 119 | $33,155,000 | $278,000 | $865,000 | $101,000 | $1,624,000 |
| Asian | 51 | $20,265,000 | $397,000 | $1,275,000 | $154,000 | $515,000 |
| American Indian or Alaskan Native | 9 | $2,325,000 | $258,000 | $405,000 | $88,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $895,000 | $298,000 | $505,000 | $128,000 | $232,000 |
| 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) | 1,302 | $408,670,000 | $313,000 | $5,805,000 | $150,000 | $2,083,000 |
| FHA-insured (Federal Housing Administration) | 446 | $122,520,000 | $274,000 | $1,155,000 | $88,000 | $371,000 |
| VA-guaranteed (Veterans Administration) | 148 | $61,040,000 | $412,000 | $1,275,000 | $129,000 | $482,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $9,045,000 | $210,000 | $355,000 | $76,000 | $114,000 |
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 | 1,539 | $488,085,000 | $317,000 | $5,805,000 | $134,000 | $2,083,000 |
| Application Withdrawn By Applicant | 254 | $68,510,000 | $269,000 | $1,025,000 | $125,000 | $1,624,000 |
| File Closed For Incompleteness | 77 | $29,555,000 | $383,000 | $1,275,000 | $164,000 | $512,000 |
| Application Denied By Financial Institution | 54 | $12,670,000 | $234,000 | $725,000 | $77,000 | $285,000 |
| Application Approved But Not Accepted | 15 | $2,455,000 | $163,000 | $285,000 | $87,000 | $245,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,885 | $588,605,000 | $312,000 | $5,805,000 | $134,000 | $2,083,000 |
| Debt-To-Income Ratio | 18 | $4,630,000 | $257,000 | $725,000 | $68,000 | $162,000 |
| Credit History | 11 | $2,715,000 | $246,000 | $695,000 | $89,000 | $211,000 |
| Other | 10 | $2,620,000 | $262,000 | $695,000 | $71,000 | $200,000 |
| Collateral | 7 | $985,000 | $140,000 | $195,000 | $68,000 | $184,000 |
| Unverifiable Information | 3 | $605,000 | $201,000 | $245,000 | $51,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $545,000 | $181,000 | $255,000 | $153,000 | $285,000 |
| Employment History | 2 | $570,000 | $285,000 | $345,000 | $69,000 | $88,000 |
| Credit Application Incomplete | 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 2024 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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