Citibank in Virginia vs the state
13.5%Denial rate-2.41 pts vs state
19.6%Decision denial rate-0.61 pts vs state
54.7%Origination rate-4.86 pts vs state
6.13%Median rate-0.50 pts vs state
-0.36Rate spread (pts)-0.58 pts vs state
$205kMedian applicant income
311Loans originated
77Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 435 | 306 | 3.7% | 5.25% | #112 |
| 2024 | 508 | 276 | 11.8% | 6.25% | #108 |
| 2025 | 569 | 311 | 13.5% | 6.13% | #105 |
What Citibank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 239 | 136 | 31 | 13.0% |
| Alexandria city | 60 | 41 | 7 | 11.7% |
| Arlington County | 58 | 43 | 7 | 12.1% |
| Loudoun County | 50 | 17 | 8 | 16.0% |
| Prince William County | 34 | 18 | 1 | 2.9% |
| Chesterfield County | 10 | 3 | 3 | 30.0% |
| Stafford County | 9 | 2 | 2 | 22.2% |
| Richmond city | 7 | 4 | 0 | 0.0% |
| Chesapeake city | 6 | 1 | 2 | 33.3% |
| Hanover County | 4 | 3 | 1 | 25.0% |
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: 569 applications in 2025, of which 311 were originated and 77 denied.
13.5% of all applications, or 19.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Citibank originated in Virginia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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