Cf Bank Mortgage Rates, Fees & Info
Worthington, OHLEI: 549300ZGCIDP1G72QO72
Tax ID: 34-0137475
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Mortgage Data
Review & Overview
Cf Bank is a smaller bank specializing in Home Purchase 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: Columbus, Cincinnati, Cleveland, New York, and Akron among others. We have data for 111 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.
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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
647Origination Dollar Volume (All Markets)
$210,525,000Awards
Cf Bank - 2022
Cf Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| COLUMBUS, OH (FHA|USDA|VA) | 302 | $85,300,000 | $282,450 | $2,469 | 5.06% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 59 | $16,435,000 | $278,559 | $2,312 | 4.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 37 | $8,255,000 | $223,108 | $2,273 | 5.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 14 | $7,480,000 | $534,286 | $5,283 | 3.31% |
| AKRON, OH (FHA|USDA|VA) | 16 | $4,690,000 | $293,125 | $2,118 | 4.24% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $4,015,000 | $573,571 | $3,020 | 3.48% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6 | $3,390,000 | $565,000 | $1,893 | 3.44% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $3,205,000 | $457,857 | $3,133 | 3.93% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $3,135,000 | $627,000 | $5,225 | 4.10% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $2,595,000 | $519,000 | $3,754 | 3.08% |
| Outside of Metro Areas | 7 | $2,575,000 | $367,857 | $3,044 | 4.04% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $2,490,000 | $622,500 | $11,729 | 3.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $2,375,000 | $791,667 | $5,888 | 4.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $2,255,000 | $451,000 | $5,206 | 3.57% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $4,998 | 3.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $2,135,000 | $427,000 | $6,556 | 3.22% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $2,035,000 | $407,000 | $1,854 | 3.57% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $2,971 | 3.40% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $2,462 | 3.47% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $3,746 | 3.71% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,560,000 | $780,000 | $3,324 | 5.44% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $5,814 | 4.13% |
| Sandusky, OH (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $2,460 | 3.94% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,380,000 | $690,000 | $6,557 | 4.69% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $1,335,000 | $1,335,000 | $3,680 | 4.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $4,835 | 4.04% |
| Mount Vernon, OH (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $2,417 | 3.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $3,711 | 2.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $2,159 | 4.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $1,973 | 4.08% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $2,114 | 3.33% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $1,657 | 2.96% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $3,188 | 3.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $1,994 | 3.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $0 | 3.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $2,421 | 3.16% |
| Wooster, OH (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $2,642 | 4.13% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $2,597 | 3.06% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $5,785 | 3.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $2,605 | 3.33% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $8,440 | 3.19% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $6,672 | 3.37% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,978 | 4.75% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $2,078 | 3.56% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,135 | 3.63% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,962 | 4.38% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $7,999 | 2.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,907 | 2.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,455 | 3.31% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $1,921 | 4.81% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $9,575 | 4.88% |
| TULSA, OK (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,504 | 2.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,106 | 5.29% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $5,921 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $2,362 | 2.88% |
| Salem, OH (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $1,884 | 5.38% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $2,070 | 5.17% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 4.13% |
| Urbana, OH (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 4.13% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $1,850 | 2.38% |
| BEND, OR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 3.13% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,825 | 4.19% |
| Laconia, NH (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,213 | 2.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,649 | 2.99% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,051 | 5.31% |
| Findlay, OH (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,888 | 4.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,645 | 2.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,053 | 3.38% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,726 | 3.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $1,576 | 4.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,639 | 5.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,938 | 5.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,731 | 3.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,475 | 3.50% |
| Outside of Metro Areas | 1 | $365,000 | $365,000 | $4,167 | 2.87% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,717 | 2.99% |
| SALEM, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,676 | 2.50% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,791 | 6.63% |
| Fernley, NV (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,926 | 4.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,314 | 3.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,002 | 5.13% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,733 | 3.99% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,817 | 5.00% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $1,887 | 4.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,041 | 3.12% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,458 | 2.13% |
| READING, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,602 | 4.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,345 | 3.50% |
| MERCED, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 4.13% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,841 | 4.75% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,242 | 3.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,058 | 3.63% |
| Ashland, OH (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 5.00% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,874 | 2.99% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,874 | 5.13% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,160 | 4.63% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,440 | 5.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,960 | 4.38% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 6.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.63% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $780 | 3.63% |
| Marietta, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,291 | 4.75% |
| Mason City, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.50% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,614 | 7.00% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.00% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,255 | 5.75% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,473 | 4.38% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.38% |
| Sidney, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,913 | 5.13% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against Cf Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 645 | $209,865,000 | $325,372 | $2,873 | 4.61% |
| FHA | 1 | $395,000 | $395,000 | $11,321 | 3.50% |
| VA | 1 | $265,000 | $265,000 | $8,517 | 4.00% |
For 2022, Cf Bank's most frequently originated type of loan was Conventional, with 645 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2022, Cf Bank's most frequently cited loan purpose was Home Purchase, with 301 originations. The 2nd most popular reason was Cash Out Refi, with 193 originations.
Loan Duration/Length
For 2022, Cf Bank's most frequently cited loan duration was 30 Year, with 581 originations. The 2nd most popular length was 15 Year, with 37 originations.
Origination Fees/Closing Costs
Cf Bank's average total fees were $2,901, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 377 originations.
Interest Rates
During 2022, Cf Bank's average interest rate for loans was 4.74%, while their most frequently originated rate bucket for loans was 3-4%, with 168 originations.
Loan Sizing
2022 saw Cf Bank place emphasis on $200k-400k loans with 238 originations, totaling $70,840,000 in origination value.
Applicant Income
Cf Bank lent most frequently to those with incomes in the $150k-250k range, with 152 originations. The second most popular income band? $100k-150k, with 135 originations.
Applicant Debt to Income Ratio
Cf Bank lent most frequently to those with DTI ratios of 20-30%, with 126 originations. The next most common DTI ratio? 30-36%, with 119 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.84%
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 origination74.34%
Cf Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 647 | $210,525,000 | $325,386 |