Cf Bank Mortgage Rates, Fees & Info

Worthington, OH

LEI: 549300ZGCIDP1G72QO72

Tax ID: 34-0137475

5 stars - out of 5 stars, based on 70 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Cf Bank is a small bank specializing in Refi and Cash Out Refi loans. Cf Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, San Francisco, Washington, Columbus, and Seattle among others. We have data for 279 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cf Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cf Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.24% 10/3/22
    30 Year Conventional Refi 6.19% 10/3/22
    30 Year Cash-out Refi 6.30% 10/3/22
    30 Year FHA Purchase 7.16% 10/3/22
    30 Year FHA Refi 6.45% 10/3/22
    30 Year VA Purchase 5.73% 10/3/22
    30 Year VA Refi 5.78% 10/3/22
    15 Year Conventional Purchase 5.79% 10/3/22
    15 Year Conventional Refi 5.92% 10/3/22
    15 Year Cash-out Refi 5.92% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    4,902

    Origination Dollar Volume (All Markets)

    $2,388,290,000

    Employee count

    140 Show all (98) awards

    Relative Rate

    Cf Bank's average 30 year fixed mortgage rate was 2.82%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.33%.

    Relative Fees (Closing Costs)

    Cf Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $2,337.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 409 $250,365,000 $612,139 $2,002 2.68%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 342 $233,570,000 $682,953 $2,280 2.66%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 298 $158,180,000 $530,805 $1,916 2.63%
    COLUMBUS, OH (FHA|USDA|VA) 454 $151,540,000 $333,789 $1,746 2.75%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 199 $110,405,000 $554,799 $2,298 2.70%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 127 $95,685,000 $753,425 $2,390 2.67%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 147 $84,395,000 $574,116 $2,456 2.66%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 141 $74,365,000 $527,411 $2,421 2.65%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 147 $68,445,000 $465,612 $2,007 2.70%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 145 $56,285,000 $388,172 $1,765 2.70%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 118 $55,160,000 $467,458 $4,043 2.65%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 113 $49,785,000 $440,575 $1,730 2.85%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 112 $49,490,000 $441,875 $3,675 2.73%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 101 $48,585,000 $481,040 $2,089 2.81%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 80 $40,780,000 $509,750 $1,829 2.70%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 74 $38,390,000 $518,784 $1,858 2.73%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 101 $37,655,000 $372,822 $2,325 2.84%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 86 $37,470,000 $435,698 $1,902 2.78%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 80 $35,800,000 $447,500 $3,477 2.74%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 75 $32,945,000 $439,267 $3,623 2.69%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 73 $32,245,000 $441,712 $2,038 2.81%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 55 $31,325,000 $569,545 $2,197 2.62%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 70 $31,160,000 $445,143 $2,798 2.76%
    RENO, NV (FHA|USDA|VA) 41 $20,195,000 $492,561 $2,510 2.73%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 49 $19,265,000 $393,163 $2,619 2.83%
    RALEIGH-CARY, NC (FHA|USDA|VA) 40 $19,110,000 $477,750 $1,979 2.72%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 43 $18,695,000 $434,767 $1,898 2.81%
    Outside of Metro Areas 43 $17,965,000 $417,791 $2,499 2.74%
    RICHMOND, VA (FHA|USDA|VA) 41 $17,905,000 $436,707 $1,925 2.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 35 $15,445,000 $441,286 $2,265 2.74%
    AKRON, OH (FHA|USDA|VA) 40 $14,530,000 $363,250 $2,375 2.76%
    JACKSONVILLE, FL (FHA|USDA|VA) 32 $13,730,000 $429,063 $2,373 2.75%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 22 $13,530,000 $615,000 $1,738 2.84%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 24 $13,180,000 $549,167 $2,861 2.77%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 27 $11,615,000 $430,185 $2,576 2.65%
    STOCKTON, CA (FHA|USDA|VA) 22 $11,440,000 $520,000 $2,412 2.78%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 17 $9,785,000 $575,588 $3,634 2.62%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 24 $8,650,000 $360,417 $1,692 2.86%
    TOLEDO, OH (FHA|USDA|VA) 17 $8,545,000 $502,647 $1,547 2.70%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 19 $8,525,000 $448,684 $3,724 2.70%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 22 $8,330,000 $378,636 $1,902 2.75%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 13 $8,295,000 $638,077 $1,802 2.73%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 17 $7,975,000 $469,118 $1,819 2.76%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 18 $7,720,000 $428,889 $1,496 2.69%
    SALINAS, CA (FHA|USDA|VA) 10 $7,390,000 $739,000 $2,523 2.60%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 14 $6,950,000 $496,429 $3,003 2.81%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $6,835,000 $402,059 $2,517 2.69%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 16 $6,720,000 $420,000 $2,446 2.70%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 15 $6,505,000 $433,667 $3,112 2.69%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 16 $6,410,000 $400,625 $1,428 2.72%
    TUCSON, AZ (FHA|USDA|VA) 14 $6,390,000 $456,429 $1,660 2.89%
    WORCESTER, MA-CT (FHA|USDA|VA) 15 $6,135,000 $409,000 $1,612 2.72%
    BOULDER, CO (FHA|USDA|VA) 13 $6,025,000 $463,462 $1,636 2.56%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 11 $5,945,000 $540,455 $2,180 2.89%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 13 $5,825,000 $448,077 $1,612 2.53%
    Bozeman, MT (FHA|USDA|VA) 13 $5,355,000 $411,923 $2,196 2.80%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 12 $5,240,000 $436,667 $1,789 2.65%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 13 $5,155,000 $396,538 $1,474 2.90%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $5,005,000 $385,000 $1,529 2.60%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 9 $4,905,000 $545,000 $2,802 2.78%
    ASHEVILLE, NC (FHA|USDA|VA) 10 $4,270,000 $427,000 $1,724 2.74%
    BELLINGHAM, WA (FHA|USDA|VA) 7 $3,645,000 $520,714 $5,723 2.77%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 8 $3,500,000 $437,500 $2,829 2.80%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 11 $3,495,000 $317,727 $1,692 2.87%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $3,470,000 $433,750 $1,628 2.63%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 9 $3,435,000 $381,667 $1,769 2.67%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $3,275,000 $363,889 $1,779 2.78%
    WILMINGTON, NC (FHA|USDA|VA) 6 $3,250,000 $541,667 $3,124 2.94%
    MODESTO, CA (FHA|USDA|VA) 8 $3,200,000 $400,000 $3,510 2.78%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 8 $3,170,000 $396,250 $1,778 2.59%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $2,970,000 $495,000 $4,417 2.74%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $2,935,000 $587,000 $1,445 2.65%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 7 $2,875,000 $410,714 $1,347 2.54%
    VALLEJO, CA (FHA|USDA|VA) 6 $2,830,000 $471,667 $2,098 2.65%
    BOISE CITY, ID (FHA|USDA|VA) 8 $2,730,000 $341,250 $2,571 2.70%
    FORT COLLINS, CO (FHA|USDA|VA) 6 $2,660,000 $443,333 $1,735 2.67%
    FRESNO, CA (FHA|USDA|VA) 6 $2,570,000 $428,333 $2,265 2.77%
    NAPA, CA (FHA|USDA|VA) 5 $2,545,000 $509,000 $2,641 2.75%
    Edwards, CO (FHA|USDA|VA) 3 $2,525,000 $841,667 $6,871 2.79%
    SAVANNAH, GA (FHA|USDA|VA) 6 $2,490,000 $415,000 $3,625 2.71%
    ALBUQUERQUE, NM (FHA|USDA|VA) 7 $2,395,000 $342,143 $2,716 2.62%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 6 $2,390,000 $398,333 $2,383 2.71%
    HARRISONBURG, VA (FHA|USDA|VA) 5 $2,325,000 $465,000 $1,495 2.88%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $2,250,000 $375,000 $1,664 2.64%
    Breckenridge, CO (FHA|USDA|VA) 4 $2,230,000 $557,500 $2,180 2.78%
    GREELEY, CO (FHA|USDA|VA) 5 $2,155,000 $431,000 $3,162 2.72%
    Kalispell, MT (FHA|USDA|VA) 5 $2,155,000 $431,000 $1,800 3.55%
    GAINESVILLE, GA (FHA|USDA|VA) 6 $2,150,000 $358,333 $1,825 2.90%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 5 $2,135,000 $427,000 $1,383 2.40%
    Mount Vernon, OH (FHA|USDA|VA) 6 $2,130,000 $355,000 $2,422 2.94%
    ANN ARBOR, MI (FHA|USDA|VA) 5 $2,095,000 $419,000 $1,268 2.42%
    Lebanon, NH-VT (FHA|USDA|VA) 5 $2,045,000 $409,000 $1,539 2.38%
    MIDLAND, TX (FHA|USDA|VA) 5 $2,025,000 $405,000 $3,775 2.73%
    CHICO, CA (FHA|USDA|VA) 4 $2,000,000 $500,000 $1,557 2.56%
    Outside of Metro Areas 4 $1,890,000 $472,500 $3,607 2.78%
    TALLAHASSEE, FL (FHA|USDA|VA) 4 $1,890,000 $472,500 $2,479 2.94%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,850,000 $462,500 $1,752 2.78%
    URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,820,000 $910,000 $4,675 3.13%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $1,735,000 $578,333 $2,400 2.63%
    Oak Harbor, WA (FHA|USDA|VA) 3 $1,715,000 $571,667 $4,178 2.88%
    Heber, UT (FHA|USDA|VA) 2 $1,540,000 $770,000 $1,706 2.81%
    SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,510,000 $377,500 $2,194 2.50%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $1,500,000 $250,000 $2,161 3.10%
    Sidney, OH (FHA|USDA|VA) 4 $1,460,000 $365,000 $2,412 2.91%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,425,000 $475,000 $1,491 2.96%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,375,000 $458,333 $1,715 2.92%
    SPRINGFIELD, MA (FHA|USDA|VA) 3 $1,345,000 $448,333 $1,809 2.92%
    Concord, NH (FHA|USDA|VA) 3 $1,345,000 $448,333 $1,858 2.83%
    GRAND JUNCTION, CO (FHA|USDA|VA) 3 $1,345,000 $448,333 $1,718 2.92%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $1,330,000 $332,500 $1,385 2.87%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,320,000 $330,000 $1,115 3.03%
    WENATCHEE, WA (FHA|USDA|VA) 3 $1,285,000 $428,333 $1,559 2.67%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,265,000 $253,000 $2,107 2.67%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $1,260,000 $315,000 $1,919 2.84%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $1,235,000 $411,667 $1,078 2.38%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $1,195,000 $398,333 $1,821 2.63%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $1,190,000 $595,000 $2,919 2.44%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $1,180,000 $590,000 $2,412 2.19%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $1,165,000 $388,333 $2,387 2.50%
    Georgetown, SC (FHA|USDA|VA) 3 $1,165,000 $388,333 $1,370 2.50%
    Pullman, WA (FHA|USDA|VA) 3 $1,145,000 $381,667 $2,345 2.71%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $1,145,000 $381,667 $2,203 2.75%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $1,135,000 $378,333 $2,070 2.08%
    BEND, OR (FHA|USDA|VA) 4 $1,130,000 $282,500 $4,020 3.09%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $1,130,000 $282,500 $1,868 2.93%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,125,000 $375,000 $1,245 2.67%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $1,115,000 $371,667 $2,049 2.75%
    WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,080,000 $270,000 $1,546 2.87%
    JOHNSON CITY, TN (FHA|USDA|VA) 3 $1,045,000 $348,333 $1,858 2.58%
    Sandusky, OH (FHA|USDA|VA) 5 $1,035,000 $207,000 $1,974 3.13%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $1,010,000 $505,000 $4,226 2.44%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $1,000,000 $500,000 $1,130 2.63%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $980,000 $490,000 $1,385 2.69%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $980,000 $490,000 $1,580 2.63%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $970,000 $485,000 $2,566 2.88%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $950,000 $475,000 $1,598 2.56%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $925,000 $308,333 $1,443 2.75%
    Traverse City, MI (FHA|USDA|VA) 2 $920,000 $460,000 $1,138 2.63%
    Key West, FL (FHA|USDA|VA) 2 $890,000 $445,000 $3,119 2.75%
    ST. CLOUD, MN (FHA|USDA|VA) 2 $880,000 $440,000 $1,006 2.44%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $875,000 $291,667 $1,639 2.96%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $870,000 $435,000 $1,160 2.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $870,000 $435,000 $4,324 2.81%
    Moses Lake, WA (FHA|USDA|VA) 2 $870,000 $435,000 $2,204 2.75%
    Aberdeen, WA (FHA|USDA|VA) 2 $840,000 $420,000 $8,647 3.06%
    Ellensburg, WA (FHA|USDA|VA) 2 $830,000 $415,000 $1,210 2.75%
    Salem, OH (FHA|USDA|VA) 4 $820,000 $205,000 $1,725 2.47%
    ST. GEORGE, UT (FHA|USDA|VA) 3 $805,000 $268,333 $1,483 2.96%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $800,000 $400,000 $2,343 2.69%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $800,000 $400,000 $3,019 2.81%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $785,000 $261,667 $4,643 2.75%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $760,000 $380,000 $3,020 2.75%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $750,000 $375,000 $2,850 3.00%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $750,000 $375,000 $1,090 2.69%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $750,000 $375,000 $4,638 2.69%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $745,000 $248,333 $1,266 3.13%
    Hailey, ID (FHA|USDA|VA) 1 $745,000 $745,000 $4,419 3.13%
    BAKERSFIELD, CA (FHA|USDA|VA) 2 $740,000 $370,000 $1,762 2.94%
    Portsmouth, OH (FHA|USDA|VA) 2 $710,000 $355,000 $2,983 3.00%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $710,000 $355,000 $2,726 2.75%
    Wooster, OH (FHA|USDA|VA) 2 $700,000 $350,000 $2,812 3.06%
    Bellefontaine, OH (FHA|USDA|VA) 2 $700,000 $350,000 $2,959 3.19%
    Albemarle, NC (FHA|USDA|VA) 2 $690,000 $345,000 $1,845 3.69%
    TULSA, OK (FHA|USDA|VA) 2 $670,000 $335,000 $2,838 2.75%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $665,000 $665,000 $6,017 3.00%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $645,000 $645,000 $1,728 2.88%
    Cullowhee, NC (FHA|USDA|VA) 1 $645,000 $645,000 $1,814 3.00%
    Jasper, IN (FHA|USDA|VA) 1 $635,000 $635,000 $1,738 2.13%
    Elko, NV (FHA|USDA|VA) 2 $620,000 $310,000 $1,895 2.88%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $610,000 $305,000 $1,188 2.69%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $600,000 $300,000 $2,182 3.25%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $570,000 $285,000 $1,331 2.69%
    Safford, AZ (FHA|USDA|VA) 2 $570,000 $285,000 $1,010 2.50%
    Adrian, MI (FHA|USDA|VA) 1 $545,000 $545,000 $4,692 2.13%
    Fergus Falls, MN (FHA|USDA|VA) 1 $545,000 $545,000 $1,765 2.88%
    COLUMBIA, SC (FHA|USDA|VA) 1 $545,000 $545,000 $1,666 2.75%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $545,000 $545,000 $2,196 2.50%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $545,000 $545,000 $1,128 2.50%
    Sandpoint, ID (FHA|USDA|VA) 1 $545,000 $545,000 $2,618 2.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $545,000 $545,000 $2,087 2.13%
    LONGVIEW, TX (FHA|USDA|VA) 1 $545,000 $545,000 $2,873 2.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $545,000 $545,000 $1,753 2.13%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $525,000 $525,000 $2,233 2.63%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $515,000 $515,000 $1,685 2.63%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $515,000 $515,000 $1,871 2.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $510,000 $255,000 $1,603 3.25%
    Helena, MT (FHA|USDA|VA) 1 $505,000 $505,000 $2,601 3.00%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $505,000 $505,000 $3,084 2.75%
    EL PASO, TX (FHA|USDA|VA) 1 $505,000 $505,000 $5,754 2.25%
    Ukiah, CA (FHA|USDA|VA) 1 $505,000 $505,000 $2,105 2.63%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $505,000 $505,000 $2,731 1.75%
    Laconia, NH (FHA|USDA|VA) 1 $495,000 $495,000 $1,078 2.13%
    Fallon, NV (FHA|USDA|VA) 1 $495,000 $495,000 $2,957 2.25%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $480,000 $240,000 $3,147 3.00%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $475,000 $475,000 $2,373 2.88%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $465,000 $465,000 $2,269 2.75%
    BILLINGS, MT (FHA|USDA|VA) 1 $465,000 $465,000 $2,192 2.25%
    RAPID CITY, SD (FHA|USDA|VA) 1 $465,000 $465,000 $2,056 2.75%
    ROANOKE, VA (FHA|USDA|VA) 1 $455,000 $455,000 $4,230 1.75%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $450,000 $225,000 $3,016 3.25%
    FARGO, ND-MN (FHA|USDA|VA) 1 $445,000 $445,000 $2,103 2.75%
    Coos Bay, OR (FHA|USDA|VA) 1 $445,000 $445,000 $3,669 2.50%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $425,000 $425,000 $3,329 2.88%
    Athens, TX (FHA|USDA|VA) 1 $425,000 $425,000 $2,835 2.63%
    Los Alamos, NM (FHA|USDA|VA) 1 $415,000 $415,000 $2,853 2.63%
    MIDLAND, MI (FHA|USDA|VA) 1 $415,000 $415,000 $1,573 2.25%
    Hilo, HI (FHA|USDA|VA) 1 $415,000 $415,000 $2,789 2.75%
    Montrose, CO (FHA|USDA|VA) 1 $415,000 $415,000 $1,130 2.63%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $415,000 $415,000 $1,038 2.75%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $415,000 $415,000 $0 3.00%
    BURLINGTON, NC (FHA|USDA|VA) 1 $405,000 $405,000 $4,934 2.75%
    Durango, CO (FHA|USDA|VA) 1 $405,000 $405,000 $1,130 2.50%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $405,000 $405,000 $1,136 2.75%
    YAKIMA, WA (FHA|USDA|VA) 1 $405,000 $405,000 $1,233 2.63%
    LONGVIEW, WA (FHA|USDA|VA) 1 $405,000 $405,000 $1,261 1.88%
    CHEYENNE, WY (FHA|USDA|VA) 1 $405,000 $405,000 $4,105 1.75%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $395,000 $395,000 $1,128 2.88%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $395,000 $395,000 $1,085 2.88%
    Holland, MI (FHA|USDA|VA) 1 $395,000 $395,000 $1,078 2.50%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $395,000 $395,000 $1,373 2.63%
    Port Angeles, WA (FHA|USDA|VA) 1 $395,000 $395,000 $1,252 2.50%
    Sonora, CA (FHA|USDA|VA) 1 $395,000 $395,000 $1,055 2.88%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $385,000 $385,000 $1,156 2.13%
    REDDING, CA (FHA|USDA|VA) 1 $385,000 $385,000 $1,055 2.25%
    Stevens Point, WI (FHA|USDA|VA) 1 $365,000 $365,000 $1,623 2.63%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $355,000 $355,000 $1,940 2.99%
    KINGSTON, NY (FHA|USDA|VA) 1 $355,000 $355,000 $3,474 2.75%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $355,000 $355,000 $1,173 2.63%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $345,000 $345,000 $1,753 2.13%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $345,000 $345,000 $1,732 2.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $345,000 $345,000 $1,178 2.75%
    Red Bluff, CA (FHA|USDA|VA) 1 $335,000 $335,000 $1,780 2.88%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $325,000 $325,000 $2,620 2.75%
    Shelton, WA (FHA|USDA|VA) 1 $325,000 $325,000 $2,362 2.88%
    Sanford, NC (FHA|USDA|VA) 1 $325,000 $325,000 $1,536 3.00%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $325,000 $325,000 $1,219 2.13%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $315,000 $315,000 $1,763 2.50%
    NEW BERN, NC (FHA|USDA|VA) 1 $315,000 $315,000 $1,452 2.75%
    Ashland, OH (FHA|USDA|VA) 1 $315,000 $315,000 $5,991 2.38%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $315,000 $315,000 $1,035 2.63%
    Cedar City, UT (FHA|USDA|VA) 1 $305,000 $305,000 $1,608 2.87%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $305,000 $305,000 $1,623 2.75%
    MERCED, CA (FHA|USDA|VA) 1 $305,000 $305,000 $1,055 2.63%
    MOBILE, AL (FHA|USDA|VA) 1 $305,000 $305,000 $1,593 3.25%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $305,000 $305,000 $1,179 2.63%
    CARSON CITY, NV (FHA|USDA|VA) 1 $305,000 $305,000 $1,535 2.88%
    SYRACUSE, NY (FHA|USDA|VA) 1 $305,000 $305,000 $3,340 2.88%
    Marion, OH (FHA|USDA|VA) 1 $295,000 $295,000 $1,623 2.75%
    DOVER, DE (FHA|USDA|VA) 1 $295,000 $295,000 $1,802 3.00%
    Brainerd, MN (FHA|USDA|VA) 1 $295,000 $295,000 $2,255 2.88%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $1,100 2.88%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $295,000 $295,000 $3,014 2.63%
    Easton, MD (FHA|USDA|VA) 1 $285,000 $285,000 $1,108 2.50%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $285,000 $285,000 $1,078 3.00%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $285,000 $285,000 $1,078 2.88%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.63%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $275,000 $275,000 $1,238 2.38%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $265,000 $265,000 $3,538 3.88%
    Blackfoot, ID (FHA|USDA|VA) 1 $265,000 $265,000 $2,366 3.00%
    Brownwood, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,056 3.00%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $255,000 $255,000 $1,664 2.63%
    Chillicothe, OH (FHA|USDA|VA) 1 $255,000 $255,000 $1,273 2.13%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $255,000 $255,000 $2,183 2.50%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $245,000 $245,000 $898 2.88%
    VALDOSTA, GA (FHA|USDA|VA) 1 $235,000 $235,000 $2,454 3.00%
    Mount Airy, NC (FHA|USDA|VA) 1 $235,000 $235,000 $910 2.38%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,421 2.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $215,000 $215,000 $715 2.75%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $215,000 $215,000 $5,627 2.99%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $215,000 $215,000 $1,624 2.99%
    JACKSON, MI (FHA|USDA|VA) 1 $205,000 $205,000 $898 2.88%
    OCALA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,586 3.00%
    Coshocton, OH (FHA|USDA|VA) 1 $195,000 $195,000 $1,683 3.50%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $175,000 $175,000 $1,920 3.50%
    Jefferson, GA (FHA|USDA|VA) 1 $175,000 $175,000 $5,444 3.25%
    Plymouth, IN (FHA|USDA|VA) 1 $175,000 $175,000 $943 3.00%
    Wapakoneta, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,776 3.25%
    Findlay, OH (FHA|USDA|VA) 1 $115,000 $115,000 $1,008 2.00%

    Cf Bank's top markets include Los Angeles, San Francisco, Washington, Columbus, and Seattle among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,884 $2,381,200,000 $487,551 $2,236 2.72%
    VA 13 $5,505,000 $423,462 $5,591 2.47%
    FHA 5 $1,585,000 $317,000 $7,770 2.73%

    For 2021, Cf Bank's most frequently originated type of loan was Conventional, with 4,884 originations. Their 2nd most popular type was VA, with 13 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 3,267 $1,673,535,000 $512,254 $2,090 2.65%
    Cash Out Refi 1,121 $487,935,000 $435,268 $2,220 2.82%
    Home Purchase 419 $186,625,000 $445,406 $3,638 2.89%
    Other 72 $31,780,000 $441,389 $2,377 2.92%
    Home Improvement 23 $8,415,000 $365,870 $2,043 2.95%

    For 2021, Cf Bank's most frequently cited loan purpose was Refi, with 3,267 originations. The 2nd most popular reason was Cash Out Refi, with 1,121 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,722 $1,883,060,000 $505,927 $2,337 2.82%
    15 Year 660 $289,460,000 $438,576 $2,083 2.29%
    20 Year 317 $126,245,000 $398,249 $1,763 2.56%
    10 Year 146 $56,900,000 $389,726 $1,984 2.14%
    Other 45 $20,575,000 $457,222 $1,924 2.79%
    5 Year 9 $7,955,000 $883,889 $0 4.17%
    30+ year 2 $3,910,000 $1,955,000 $10,715 3.44%
    1 Year 1 $185,000 $185,000 $0 5.25%

    For 2021, Cf Bank's most frequently cited loan duration was 30 Year, with 3,722 originations. The 2nd most popular length was 15 Year, with 660 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,227 $2,046,875,000 $484,238
    $1k-2k 156 $80,440,000 $515,641
    $5k+ 118 $87,310,000 $739,915
    $2k-3k 91 $44,365,000 $487,527
    $3k-4k 44 $21,750,000 $494,318
    $4k-5k 27 $15,395,000 $570,185

    Cf Bank's average total fees were $2,337, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,227 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,724 $1,369,100,000 $502,606
    <2.5% 1,599 $747,245,000 $467,320
    3-4% 556 $262,710,000 $472,500
    4-5% 22 $9,050,000 $411,364
    5-6% 1 $185,000 $185,000

    During 2021, Cf Bank's average interest rate for loans was 2.82%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,724 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $400k-600k 2,023 $974,375,000 $481,649 $2,092 2.62%
    $200k-400k 1,672 $524,940,000 $313,959 $1,827 2.73%
    $600k-1MM 896 $670,430,000 $748,248 $2,948 2.79%
    $1MM+ 156 $197,040,000 $1,263,077 $4,983 2.91%
    $100k-200k 132 $19,620,000 $148,636 $1,709 3.12%
    $100,000 or less 23 $1,885,000 $81,957 $2,278 3.34%

    2021 saw Cf Bank place emphasis on $400k-600k loans with 2,023 originations, totaling $974,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,658 $822,590,000 $496,134 $2,249 2.68%
    $100k-150k 1,201 $493,615,000 $411,003 $1,928 2.71%
    $250k+ 1,057 $693,935,000 $656,514 $2,873 2.67%
    $75k-100k 460 $164,380,000 $357,348 $2,011 2.77%
    $50k-75k 208 $57,030,000 $274,183 $1,848 2.88%
    $50k or less 51 $9,845,000 $193,039 $2,140 3.03%

    Cf Bank lent most frequently to those with incomes in the $150k-250k range, with 1,658 originations. The second most popular income band? $100k-150k, with 1,201 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,519 $747,845,000 $492,327 $2,251 2.67%
    30-36% 970 $495,470,000 $510,794 $2,217 2.72%
    <20% 648 $302,370,000 $466,620 $2,072 2.63%
    36% 164 $83,970,000 $512,012 $2,420 2.75%
    42% 160 $83,650,000 $522,813 $2,344 2.74%
    40% 153 $78,335,000 $511,993 $2,502 2.81%
    38% 151 $79,565,000 $526,921 $2,338 2.75%
    37% 147 $69,995,000 $476,156 $1,956 2.72%
    39% 146 $74,750,000 $511,986 $2,732 2.74%
    41% 125 $60,995,000 $487,960 $2,474 2.77%
    43% 124 $53,980,000 $435,323 $2,247 2.83%
    44% 123 $54,995,000 $447,114 $2,274 2.76%
    49% 91 $38,785,000 $426,209 $2,060 2.74%
    45% 89 $39,855,000 $447,809 $2,320 2.71%
    46% 85 $35,645,000 $419,353 $2,227 2.72%
    47% 75 $31,525,000 $420,333 $2,288 2.77%
    48% 75 $33,105,000 $441,400 $2,431 2.74%
    50-60% 8 $2,930,000 $366,250 $2,089 2.87%
    >60% 3 $1,655,000 $551,667 $2,822 2.46%

    Cf Bank lent most frequently to those with DTI ratios of 20-30%, with 1,519 originations. The next most common DTI ratio? 30-36%, with 970 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,127 $1,478,975,000 $472,969 $2,258 2.72%
    Asian 816 $436,690,000 $535,159 $2,274 2.67%
    Not provided 796 $400,080,000 $502,613 $2,182 2.70%
    Black 70 $28,840,000 $412,000 $2,588 2.76%
    Not applicable 42 $17,740,000 $422,381 $0 3.75%
    Asian Indian 29 $15,255,000 $526,034 $1,692 2.63%
    American Indian 12 $5,630,000 $469,167 $2,483 2.69%
    Filipino 3 $1,675,000 $558,333 $1,122 2.67%
    Native Hawaiian or Islander 3 $1,545,000 $515,000 $1,683 3.04%
    Japanese 2 $1,190,000 $595,000 $4,825 2.63%
    Other Pacific Islander 1 $445,000 $445,000 $3,423 2.75%
    Vietnamese 1 $225,000 $225,000 $0 2.75%

    Approval Rates

    Total approvals of all applications
    97.45%

    Cf Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    63.18%

    Cf Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,902 $2,388,290,000 $487,207

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,902 $2,388,290,000 $487,207

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 392 $188,620,000 $481,173 $2,232 2.59%
    40-60% 1,651 $830,105,000 $502,789 $2,047 2.62%
    60-80% 2,406 $1,174,890,000 $488,317 $2,258 2.77%
    80-100% 429 $184,765,000 $430,688 $3,017 2.90%
    Over 100% 2 $890,000 $445,000 $6,759 3.25%
    Under 20% 22 $9,020,000 $410,000 $1,800 2.70%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Cf Bank, National Association 10300 Alliance Road Cincinnati, OH 45242 Full Service B&M $28,974
    Cf Bank, National Association 28879 Chagrin Blvd Woodmere, OH 44122 Full Service B&M $0
    Cf Bank, National Association 3009 Smith Rd Fairlawn, OH 44333 Full Service B&M $588,008
    Cf Bank, National Association 38 Village Square Glendale, OH 45246 Full Service B&M $72,631
    Cf Bank, National Association 49028 Foulks Drive East Liverpool, OH 43920 Full Service B&M $0
    Cf Bank, National Association 601 Main Street Wellsville, OH 43968 Full Service B&M $0
    Cf Bank, National Association 7000 North High Street Worthington, OH 43085 Full Service B&M $485,215

    For 2021, Cf Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $51,929
    Net interest income $43,221
    Total noninterest income $11,427
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $707
    Trading account gains and fees $0
    Additional Noninterest Income $10,720
    Pre-tax net operating income $24,421
    Securities gains (or losses, -) $0
    Income before extraordinary items $19,779
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,779
    Minority interest net income $0
    Net income $19,779
    Sale, conversion, retirement of capital stock, net $706
    Net operating income $19,779

    Cf Bank's gross interest income from loans was $51,929,000.
    Cf Bank's net interest income from loans was $43,221,000.
    Cf Bank's fee based income from loans was $707,000.
    Cf Bank's net income from loans was $19,779,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,708
    Provision for credit losses $-1,600
    Total noninterest expense $31,827
    Salaries and employee benefits $16,577
    Premises and equipment expense $1,620
    Additional noninterest expense $13,630
    Applicable income taxes $4,642
    Net charge-offs $-85
    Cash dividends $0

    Cf Bank's interest expense for loans was $8,708,000.
    Cf Bank's payroll and benefits expense were $16,577,000.
    Cf Bank's property, plant and equipment expenses $1,620,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,249,994
    Deposits held in domestic offices $1,249,994
    Deposits by Individuals, partnerships, and corporations $1,116,531
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $42,226
    Deposits by Commercial banks and other depository institutions in U.S. $91,238
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $381,273
    Demand deposits $369,041
    Nontransaction accounts $868,722
    Money market deposit accounts (MMDAs) $277,960
    Other savings deposits (excluding MMDAs) $6,228
    Total time deposits $584,534
    Total time and savings deposits $880,954
    Noninterest-bearing deposits $291,448
    Interest-bearing deposits $958,546
    Retail deposits $921,013
    IRAs and Keogh plan accounts $20,449
    Brokered deposits $278,092
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,487,525
    Cash & Balances due from depository institutions $166,498
    Interest-bearing balances $160,093
    Total securities $16,347
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,242,137
    Loan and leases loss allowance $15,508
    Trading account assets $0
    Bank premises and fixed assets $7,793
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $54,750

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,487,525
    Total Liabilities $1,332,135
    Total deposits $1,249,994
    Interest-bearing deposits $958,546
    Deposits held in domestic offices $1,249,994
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $67,482
    Subordinated debt $0
    All other liabilities $14,659

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,242,137
    Loan and leases loss allowance $15,508
    Total loans and leases (domestic) $1,257,645
    All real estate loans $919,082
    Real estate loans in domestic offices $919,082
    Construction and development loans $123,440
    Residential 1-4 family construction $15,366
    Other construction, all land development and other land $108,074
    Loans secured by nonfarm nonresidential properties $306,982
    Nonfarm nonresidential secured by owner-occupied properties $134,352
    Commercial real estate & other non-farm, non-residential $172,630
    Multifamily residential real estate $76,785
    1-4 family residential loans $411,875
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $306,336
    To non-U.S. addressees $0
    Loans to individuals $1,682
    Credit card loans $0
    Related Plans $1,505
    Consumer Auto Loans $0
    Other loans to individuals $177
    All other loans & leases $30,545
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,831
    Non 1-4 family restructured loans & leases $2,732
    Total loans and leases (foreign) $0

    Cf Bank had $1,242,137,000 of loans outstanding in 2021. $919,082,000 of loans were in real estate loans. $123,440,000 of loans were in development loans. $76,785,000 of loans were in multifamily mortgage loans. $411,875,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 119 $47,352 $397,916
    Nonfarm, nonresidential loans - <$100k 8 $645 $80,625
    Nonfarm, nonresidential loans - $100-250k 29 $4,952 $170,759
    Nonfarm, nonresidential loans - $250k-1MM 82 $41,755 $509,207
    Commercial & Industrial, US addressed loans - <$1MM 283 $79,163 $279,728
    Commercial & Industrial, US addressed loans - <$100k 43 $2,432 $56,558
    Commercial & Industrial, US addressed loans - $100-250k 70 $10,394 $148,486
    Commercial & Industrial, US addressed loans - $250k-1MM 170 $66,337 $390,218