Applications / Mortgage Analytics / Lenders / Ohio / Cfbank
Columbus, OH · National bank · OCC · $2.1 billion assets · 187 loans in 2025
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187
loans originated, 2025
367
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cfbank is now a small mortgage lender making large loans: 187 originations in 2025 against 6,331 in 2020, but a dollar volume higher than most similar lenders and a growing share bought rather than made.
Originations fell 8% in 2025, while similar lenders (national banks making between half and twice as many loans) grew 5% and the whole market grew 10%; that decline was steeper than about four in five of them. It made 205 loans in 2023 and 203 in 2024, so the big fall came earlier. A deliberate shift toward other lending could explain it as well as lost demand.
Its typical loan of $265,000 is well above the $185,000 for similar lenders, and its $119.8 million in originations is higher than about six in seven of them. It also bought 75 loans, up from 33, where the typical similar lender bought none. So part of its business is buying loans other lenders made.
27.6% of its loans were in LMI (low- and moderate-income) tracts, against 15.5% for similar lenders, and 19.2% were in majority-minority tracts, against 6.7%. Its share to LMI borrowers, 19.3%, is lower than the 25.1% typical of its peers, which could reflect larger loans to higher-income buyers in urban neighbourhoods.
Its Columbus share rose 0.2 points to 0.3%, ranking 62 of 596, and it gained in Youngstown-Warren while slipping in Cincinnati.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cfbank took 367 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.4% · Refinance 33.7% · Other 4.3% · Home improvement 1.6%
Conventional 90.9% · FHA 9.1% · of 187 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 132 | 70.6% |
| Indiana | 9 | 4.8% |
| Kentucky | 9 | 4.8% |
| Michigan | 7 | 3.7% |
| Florida | 6 | 3.2% |
| California | 5 | 2.7% |
| Georgia | 4 | 2.1% |
| Colorado | 2 | 1.1% |
| North Carolina | 2 | 1.1% |
| Pennsylvania | 2 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 38 |
| Cleveland | 28 |
| Cincinnati | 19 |
| Lima | 10 |
| Indianapolis-Carmel-Greenwood | 8 |
| Akron | 6 |
| Youngstown-Warren | 6 |
| Canton-Massillon | 4 |
| Detroit-Dearborn-Livonia | 4 |
| Lexington-Fayette | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZGCIDP1G72QO72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 767974 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41260 | 1994–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701260 | 2011–2015 |
| Respondent ID (the HMDA filer code before 2018) | 125137 | 2016–2017 |
Established 1 January 1892. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Cfbank's data.
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