Lender in Virginia · HMDA 2025
C & F Mortgage Corporation mortgages in Virginia
C & F Mortgage Corporation's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
C & F Mortgage Corporation originated 1,272 owner-occupied single-family loans in Virginia from 1,316 completed applications, making it the state's #22 lender by volume.
Its median conventional purchase loan costs were $5,390 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
1,272
of 1,316 applications
Denial rate
2.5%
Purchase · VA 6.9%
Rate spread
+0.20 pts
Conv. · VA +0.10 pts
Loan amount
$325,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,190 | 1,150 | 2.5% | 6.625% | +0.20 pts | $5,390 | $325,000 |
| Refinance | 77 | 76 | 0.0% | 6.500% | +0.06 pts | $5,240 | $345,000 |
| Cash-out refinance | 49 | 46 | 2.0% | 6.625% | +0.27 pts | $5,090 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where C & F Mortgage Corporation ranks in the top 25
Showing the 30 counties where it ranks highest, of 54.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cumberland County | 1 | 16 | 10.1% |
| Powhatan County | 2 | 39 | 7.0% |
| King William County | 2 | 29 | 6.6% |
| King and Queen County | 3 | 7 | 6.5% |
| Hanover County | 4 | 92 | 5.0% |
| Middlesex County | 4 | 10 | 5.6% |
| Chesterfield County | 5 | 226 | 3.2% |
| Goochland County | 5 | 23 | 4.2% |
| Henry County | 5 | 16 | 3.8% |
| Amelia County | 5 | 8 | 4.1% |
| Prince George County | 6 | 20 | 4.0% |
| Lancaster County | 6 | 8 | 4.0% |
| Richmond County | 6 | 3 | 4.1% |
| Richmond city | 7 | 86 | 3.4% |
| New Kent County | 7 | 21 | 2.8% |
| Dinwiddie County | 7 | 15 | 3.2% |
| Northumberland County | 7 | 8 | 3.9% |
| Prince Edward County | 7 | 8 | 3.9% |
| Essex County | 7 | 5 | 3.1% |
| Mathews County | 7 | 5 | 3.9% |
| Patrick County | 7 | 5 | 3.6% |
| Henrico County | 8 | 143 | 2.8% |
| Petersburg city | 8 | 12 | 2.5% |
| Staunton city | 8 | 12 | 2.9% |
| Williamsburg city | 8 | 4 | 3.6% |
| Waynesboro city | 9 | 11 | 2.5% |
| Hopewell city | 9 | 10 | 2.5% |
| Colonial Heights city | 9 | 8 | 2.9% |
| Buckingham County | 9 | 4 | 2.4% |
| Augusta County | 10 | 28 | 2.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology