C&F Select in Virginia vs the state
4.5%Denial rate-11.43 pts vs state
5.1%Decision denial rate-15.12 pts vs state
81.2%Origination rate+21.68 pts vs state
6.75%Median rate+0.13 pts vs state
0.37Rate spread (pts)+0.15 pts vs state
$114kMedian applicant income
108Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 169 | 129 | 4.1% | 6.63% | #205 |
| 2024 | 101 | 85 | 2.0% | 6.88% | #278 |
| 2025 | 133 | 108 | 4.5% | 6.75% | #257 |
What C&F Select lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most C&F Select applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 36 | 27 | 3 | 8.3% |
| Henrico County | 19 | 12 | 1 | 5.3% |
| Richmond city | 16 | 15 | 0 | 0.0% |
| Hanover County | 9 | 6 | 2 | 22.2% |
| Prince Edward County | 7 | 6 | 0 | 0.0% |
| Amelia County | 6 | 5 | 0 | 0.0% |
| Powhatan County | 6 | 5 | 0 | 0.0% |
| Goochland County | 5 | 5 | 0 | 0.0% |
| Cumberland County | 4 | 4 | 0 | 0.0% |
| Louisa County | 3 | 3 | 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: 133 applications in 2025, of which 108 were originated and 6 denied.
4.5% of all applications, or 5.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans C&F Select originated in Virginia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are C&F Select'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