C & F Mortgage in Virginia vs the state
2.2%Denial rate-13.73 pts vs state
2.6%Decision denial rate-17.64 pts vs state
81.4%Origination rate+21.92 pts vs state
6.50%Median rate-0.13 pts vs state
0.28Rate spread (pts)+0.06 pts vs state
$109kMedian applicant income
1,514Loans originated
41Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,608 | 1,293 | 2.4% | 6.75% | #43 |
| 2024 | 1,672 | 1,323 | 2.7% | 6.75% | #49 |
| 2025 | 1,859 | 1,514 | 2.2% | 6.50% | #45 |
What C & F Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most C & F Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 314 | 258 | 3 | 1.0% |
| Henrico County | 197 | 162 | 4 | 2.0% |
| Hanover County | 115 | 99 | 0 | 0.0% |
| Richmond city | 112 | 93 | 1 | 0.9% |
| Virginia Beach city | 81 | 67 | 2 | 2.5% |
| Augusta County | 57 | 40 | 0 | 0.0% |
| Chesapeake city | 52 | 43 | 1 | 1.9% |
| Powhatan County | 48 | 42 | 0 | 0.0% |
| King William County | 32 | 31 | 0 | 0.0% |
| Goochland County | 31 | 24 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 1,859 applications in 2025, of which 1,514 were originated and 41 denied.
2.2% of all applications, or 2.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans C & F Mortgage originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are C & F Mortgage's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology