Skip to Main Content

CFBank Mortgage Review 2023

Bankrate logo

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .

At a glance


NMLS: 409132


Rating: 3.9 stars out of 5
  • Star
  • Star
  • Star
  • Star
  • Star
  • Star
  • Star
  • Star
  • Star
  • Star

Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, rate-and-term refinancing; home equity line of credit (HELOC)


Nationwide Availability

Available in all U.S. states

Credit Good

Min. credit score required

620 for conventional loans

Pros and cons

Checkmark Pros

  • Eight branch locations in Ohio and Indiana
  • Offers home equity lines of credit (HELOCs)
  • Charitable corporate focus, making donations in the communities it serves and providing financial education to students

Close X Cons

  • Website offers very little information for prospective borrowers

CFBank overview

Ohio-based CFBank has roots dating back to 1882, with locations in the Columbus, Akron, Cleveland and Cincinnati regions, as well as Indianapolis. While the bank has been a large player in nationwide mortgage lending, it announced in 2021 it plans to wind down its direct-to-consumer mortgage offering to focus on a traditional retail origination model. As a result, the bank’s mortgage website currently doesn’t offer rates or the ability to obtain a rate quote. However, you can still apply online.

CFBank is good for

Borrowers in Ohio who want to have a home loan with a traditional bank, or those who want a home equity line of credit (HELOC)

Breakdown of CFBank overall score 

  • Affordability: CFBank doesn’t usually charge an origination fee for a mortgage. Be sure to compare this bank to other lenders to see whether you’re getting a competitive rate for your situation.

  • Availability: CFBank works with borrowers nationwide, but its branch footprint is mainly concentrated in Ohio. Keep in mind: The bank doesn’t offer government-insured loans.

  • Borrower experience: If you’re just starting out on your homebuying journey, you won’t find many resources on the bank’s website. Your best bet for more information: Get in touch with the bank directly.


To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.

Affordability: 3/5

CFBank’s mortgage rates currently aren’t available on the bank’s website; you’ll need to call instead for more information and a quote. The bank typically doesn’t charge an origination or underwriting fee, but be sure to ask your loan officer about any fees that might apply to your loan.

Availability: 4.5/5

CFBank offers conventional (conforming and non-conforming) as well as rate-and-term refinancing and home equity lines of credit (HELOCs). Its loan products are available to qualified borrowers across the U.S.

Borrower experience: 4.5/5

CFBank is a longstanding financial institution based in Ohio. The bank isn’t accredited by the Better Business Bureau, but it does have a B+ rating from the organization.

CFBank’s website has a few calculators about mortgage affordability, and you can apply for a loan online. However, the rest of the website is extremely limited in functionality. You can reach the bank’s customer service department at 614-334-7979 from 9 a.m. to 5 p.m. ET.

Refinancing with CFBank

You can refinance your existing mortgage with CFBank. You must first complete a personal profile and share your information to get access to rates.

Alternatives to CFBank

CFBank consumer reviews


NMLS: 409132


Rating: 4.7 stars out of 5

333 reviews

5 stars
4 stars
3 stars
2 stars
1 stars

About consumer ratings

Customer service rating

Rating: 4.8 stars out of 5
Level of service
Rating: 4.7 stars out of 5
Rating: 4.7 stars out of 5
Rating: 4.7 stars out of 5

92% of reviews would recommend this lender

0 of 0 rates honored

Review this lender

Write a review of your experience with CFBank.

Written by

David McMillin

Contributing writer

David McMillin is a contributing writer for Bankrate and covers topics like credit cards, mortgages, banking, taxes and travel. David’s goal is to help readers figure out how to save more and stress less.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor