Cf Bank Mortgage Rates, Fees & Info
Worthington, OHLEI: 549300ZGCIDP1G72QO72
Tax ID: 34-0137475
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Review & Overview
Cf Bank is a smaller bank specializing in Home Purchase 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: Columbus, New York, Las Vegas, Cleveland, and Dallas among others. We have data for 204 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.
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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 12/16/24 |
| 30 Year Conventional Refi | 6.27% | 12/16/24 |
| 30 Year Cash-out Refi | 6.27% | 12/16/24 |
| 30 Year VA Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 5.68% | 12/16/24 |
| 15 Year Conventional Refi | 5.68% | 12/16/24 |
| 15 Year Cash-out Refi | 5.68% | 12/16/24 |
| 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. | ||
Cf Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
953Origination Dollar Volume (All Markets)
$270,035,000Employee count
94Top 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 |
|---|---|---|---|---|---|
| COLUMBUS, OH (FHA|USDA|VA) | 99 | $29,335,000 | $296,313 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 80 | $25,720,000 | $321,500 | $0 | 0.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 35 | $9,015,000 | $257,571 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 22 | $7,640,000 | $347,273 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 28 | $7,050,000 | $251,786 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 20 | $6,320,000 | $316,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 22 | $6,090,000 | $276,818 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 23 | $5,875,000 | $255,435 | $0 | 0.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 17 | $5,765,000 | $339,118 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 16 | $5,490,000 | $343,125 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 21 | $5,395,000 | $256,905 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 17 | $5,135,000 | $302,059 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 17 | $4,875,000 | $286,765 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 14 | $4,510,000 | $322,143 | $0 | 0.00% |
| Outside of Metro Areas | 19 | $4,105,000 | $216,053 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 11 | $3,965,000 | $360,455 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $3,920,000 | $392,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 15 | $3,705,000 | $247,000 | $0 | 0.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 11 | $3,575,000 | $325,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 11 | $3,205,000 | $291,364 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $3,180,000 | $318,000 | $0 | 0.00% |
| AKRON, OH (FHA|USDA|VA) | 10 | $3,160,000 | $316,000 | $0 | 0.00% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 9 | $3,115,000 | $346,111 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 11 | $3,085,000 | $280,455 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $3,060,000 | $382,500 | $0 | 0.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 9 | $2,835,000 | $315,000 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 10 | $2,660,000 | $266,000 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 10 | $2,620,000 | $262,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $0 | 0.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 8 | $2,350,000 | $293,750 | $0 | 0.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 8 | $2,290,000 | $286,250 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 9 | $2,135,000 | $237,222 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $0 | 0.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $1,830,000 | $305,000 | $0 | 0.00% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 7 | $1,595,000 | $227,857 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $0 | 0.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $0 | 0.00% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $0 | 0.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $0 | 0.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $0 | 0.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $0 | 0.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $0 | 0.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $0 | 0.00% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $0 | 0.00% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $0 | 0.00% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $0 | 0.00% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $0 | 0.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $0 | 0.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 6 | $900,000 | $150,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $0 | 0.00% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $0 | 0.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $0 | 0.00% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $0 | 0.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 0.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 0.00% |
| Heber, UT (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 0.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $0 | 0.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 0.00% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 0.00% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $0 | 0.00% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 0.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 0.00% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $0 | 0.00% |
| Torrington, CT (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
| Laramie, WY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 0.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 0.00% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 0.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 0.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $0 | 0.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| Ashland, OH (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 0.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| Adrian, MI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 0.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| Easton, MD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Marion, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Emporia, KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Marquette, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Elko, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Hudson, NY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Starkville, MS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 0.00% |
| Keene, NH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Athens, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Salem, OH (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 0.00% |
| Washington, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Marietta, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| LIMA, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| READING, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 919 | $262,555,000 | $285,696 | $0 | 0.00% |
| FHA | 21 | $4,185,000 | $199,286 | $0 | 0.00% |
| VA | 13 | $3,295,000 | $253,462 | $0 | 0.00% |
For 2018, Cf Bank's most frequently originated type of loan was Conventional, with 919 originations. Their 2nd most popular type was FHA, with 21 originations.
Loan Reason
For 2018, Cf Bank's most frequently cited loan purpose was Home Purchase, with 546 originations. The 2nd most popular reason was Cash Out Refi, with 192 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 953 | $270,035,000 | $283,353 | $0 | 0.00% |
For 2018, Cf Bank's most frequently cited loan duration was Other, with 953 originations.
Loan Sizing
2018 saw Cf Bank place emphasis on $200k-400k loans with 676 originations, totaling $186,740,000 in origination value.
Applicant Income
Cf Bank lent most frequently to those with incomes in the $100k-150k range, with 295 originations. The second most popular income band? $150k-250k, with 202 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 953 | $270,035,000 | $283,353 | $0 | 0.00% |
Cf Bank lent most frequently to those with DTI ratios of Exempt%, with 953 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.98%
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 origination65.48%
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 |
|---|---|---|---|
| Exempt | 953 | $270,035,000 | $283,353 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 2 | $920,000 | $460,000 |
| Single Family (1-4 Units):Site-Built | 951 | $269,115,000 | $282,981 |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Cf Bank, National Association | 3009 Smith Rd Fairlawn, OH 44333 | Full Service B&M | $190,783 |
| Cf Bank, National Association | 38 Village Square Glendale, OH 45246 | Full Service B&M | $10,205 |
| Cf Bank, National Association | 49028 Foulks Drive East Liverpool, OH 43920 | Full Service B&M | $47,238 |
| Cf Bank, National Association | 601 Main Street Wellsville, OH 43968 | Full Service B&M | $39,004 |
| Cf Bank, National Association | 7000 North High Street Worthington, OH 43085 | Full Service B&M | $202,497 |
For 2018, Cf Bank had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $24,880 |
| Net interest income | $18,521 |
| Total noninterest income | $2,652 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $405 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $2,247 |
| Pre-tax net operating income | $6,711 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $5,364 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,364 |
| Minority interest net income | $0 |
| Net income | $5,364 |
| Sale, conversion, retirement of capital stock, net | $375 |
| Net operating income | $5,364 |
Cf Bank's gross interest income from loans was $24,880,000.
Cf Bank's net interest income from loans was $18,521,000.
Cf Bank's fee based income from loans was $405,000.
Cf Bank's net income from loans was $5,364,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $6,359 |
| Provision for credit losses | $0 |
| Total noninterest expense | $14,462 |
| Salaries and employee benefits | $7,843 |
| Premises and equipment expense | $1,208 |
| Additional noninterest expense | $5,411 |
| Applicable income taxes | $1,347 |
| Net charge-offs | $-41 |
| Cash dividends | $0 |
Cf Bank's interest expense for loans was $6,359,000.
Cf Bank's payroll and benefits expense were $7,843,000.
Cf Bank's property, plant and equipment expenses $1,208,000.
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 | $583,488 |
| Deposits held in domestic offices | $583,488 |
| Deposits by Individuals, partnerships, and corporations | $510,488 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $28,887 |
| Deposits by Commercial banks and other depository institutions in U.S. | $44,113 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $163,727 |
| Demand deposits | $157,051 |
| Nontransaction accounts | $419,761 |
| Money market deposit accounts (MMDAs) | $129,521 |
| Other savings deposits (excluding MMDAs) | $16,574 |
| Total time deposits | $273,665 |
| Total time and savings deposits | $426,437 |
| Noninterest-bearing deposits | $116,731 |
| Interest-bearing deposits | $466,757 |
| Retail deposits | $479,864 |
| IRAs and Keogh plan accounts | $13,582 |
| Brokered deposits | $101,215 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $664,284 |
| Cash & Balances due from depository institutions | $67,297 |
| Interest-bearing balances | $65,511 |
| Total securities | $10,114 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $568,266 |
| Loan and leases loss allowance | $7,011 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,864 |
| Other real estate owned | $38 |
| Goodwill and other intangibles | $2 |
| All other assets | $14,703 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $664,284 |
| Total Liabilities | $601,805 |
| Total deposits | $583,488 |
| Interest-bearing deposits | $466,757 |
| Deposits held in domestic offices | $583,488 |
| % insured (estimated) | $72 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $13,500 |
| Subordinated debt | $0 |
| All other liabilities | $4,817 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $568,266 |
| Loan and leases loss allowance | $7,011 |
| Total loans and leases (domestic) | $575,277 |
| All real estate loans | $411,086 |
| Real estate loans in domestic offices | $411,086 |
| Construction and development loans | $69,675 |
| Residential 1-4 family construction | $20,046 |
| Other construction, all land development and other land | $49,629 |
| Loans secured by nonfarm nonresidential properties | $158,612 |
| Nonfarm nonresidential secured by owner-occupied properties | $52,283 |
| Commercial real estate & other non-farm, non-residential | $106,329 |
| Multifamily residential real estate | $47,651 |
| 1-4 family residential loans | $135,148 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $116,698 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $264 |
| Credit card loans | $0 |
| Related Plans | $28 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $236 |
| All other loans & leases | $47,229 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $36,845 |
| 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 | $3,061 |
| Non 1-4 family restructured loans & leases | $2,951 |
| Total loans and leases (foreign) | $0 |
Cf Bank had $568,266,000 of loans outstanding in 2018. $411,086,000 of loans were in real estate loans. $69,675,000 of loans were in development loans. $47,651,000 of loans were in multifamily mortgage loans. $135,148,000 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 | 102 | $33,034 | $323,863 |
| Nonfarm, nonresidential loans - <$100k | 12 | $461 | $38,417 |
| Nonfarm, nonresidential loans - $100-250k | 31 | $4,458 | $143,806 |
| Nonfarm, nonresidential loans - $250k-1MM | 59 | $28,115 | $476,525 |
| Commercial & Industrial, US addressed loans - <$1MM | 110 | $17,780 | $161,636 |
| Commercial & Industrial, US addressed loans - <$100k | 36 | $1,693 | $47,028 |
| Commercial & Industrial, US addressed loans - $100-250k | 35 | $3,955 | $113,000 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 39 | $12,132 | $311,077 |