CF Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
63rd7.0% deniedProcesswithdrawn + incomplete share, weight 15%
1st45.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 313 | 205 | 3.8% | 5.5% | 7.13% | $109M |
| 2024 | 393 | 203 | 5.6% | 9.8% | 6.99% | $97M |
| 2025 | 367 | 187 | 3.8% | 7.0% | — | $120M |
What CF Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 103 investment properties.
Why CF Bank denies applications
Primary reason reported for each of the 14 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CF Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 34 | 12 | 25.0% |
| $50k – $100k | 94 | 47 | 6.0% |
| $100k – $150k | 78 | 39 | 7.1% |
| $150k – $250k | 66 | 31 | 3.1% |
| Over $250k | 79 | 47 | 6.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 78 | 46 | 6.1% |
| 35–44 | 110 | 51 | 12.1% |
| 45–54 | 71 | 36 | 0.0% |
| 55–64 | 48 | 20 | 9.1% |
| 65–74 | 24 | 11 | 8.3% |
Where CF Bank lends
24 states and 108 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 252 | 132 | 4.4% | — | #205 |
| Indiana | 20 | 9 | 10.0% | — | #456 |
| Kentucky | 16 | 9 | 6.3% | — | #372 |
| California | 14 | 5 | 0.0% | — | #697 |
| Florida | 11 | 6 | 0.0% | — | #903 |
| Georgia | 8 | 4 | 0.0% | — | #694 |
| Michigan | 8 | 7 | 0.0% | — | #540 |
| North Carolina | 6 | 2 | 0.0% | — | #700 |
Frequently asked questions
CF Bank denied 7.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 63rd percentile of small mortgage lenders.
The most common reason CF Bank gave in 2025 was "collateral", cited on 35.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 57% of its applications were for home purchases, 37% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 80% conventional, 13% FHA, 8% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.