CFBank Mortgage Review 2022
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At a glance
NMLS: 409132
3.9
Bankrate Score
Loans offered
Conventional, jumbo, rate-and-term refinancing; home equity line of credit (HELOC)
Nationwide Availability
Available in all U.S. states
Min. credit score required
620 for conventional loans
Pros and cons
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
Cons
- Website offers very little information for prospective borrowers
CFBank overview
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
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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.
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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.
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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.
Methodology
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
- PNC mortgage review – Also maintains branch locations in Ohio and has a complete website experience
- Chase Home Lending review – High customer satisfaction scores and a nationwide branch network
- Better mortgage review – An easy-to-use website, no fees, fast closings and around-the-clock customer support
CFBank consumer reviews
NMLS: 409132
4.7
333 reviews
About consumer ratings
Hover for moreCustomer service rating
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.