Citizens and Farmers Bank in Virginia vs the state
26.1%Denial rate+10.17 pts vs state
27.7%Decision denial rate+7.43 pts vs state
66.6%Origination rate+7.03 pts vs state
—Median rate
—Rate spread (pts)
$118kMedian applicant income
553Loans originated
217Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 777 | 469 | 31.8% | — | #79 |
| 2024 | 755 | 489 | 28.0% | — | #85 |
| 2025 | 831 | 553 | 26.1% | — | #88 |
What Citizens and Farmers Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Citizens and Farmers Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 139 | 96 | 34 | 24.5% |
| Henrico County | 120 | 67 | 44 | 36.7% |
| New Kent County | 62 | 46 | 11 | 17.7% |
| Hanover County | 62 | 46 | 11 | 17.7% |
| Powhatan County | 59 | 37 | 19 | 32.2% |
| James City County | 49 | 34 | 10 | 20.4% |
| Richmond city | 39 | 27 | 10 | 25.6% |
| King William County | 22 | 16 | 4 | 18.2% |
| Middlesex County | 22 | 18 | 4 | 18.2% |
| Cumberland County | 21 | 13 | 6 | 28.6% |
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: 831 applications in 2025, of which 553 were originated and 217 denied.
26.1% of all applications, or 27.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens and Farmers Bank'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