Citizens Bank and Trust in Virginia vs the state
15.9%Denial rate-0.09 pts vs state
16.5%Decision denial rate-3.77 pts vs state
72.7%Origination rate+13.16 pts vs state
—Median rate
—Rate spread (pts)
$99kMedian applicant income
133Loans originated
29Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 181 | 156 | 8.3% | — | #198 |
| 2024 | 132 | 122 | 5.3% | — | #245 |
| 2025 | 183 | 133 | 15.9% | — | #213 |
What Citizens Bank and Trust lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most Citizens Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nottoway County | 32 | 20 | 7 | 21.9% |
| Amelia County | 20 | 12 | 3 | 15.0% |
| Prince Edward County | 14 | 8 | 6 | 42.9% |
| Mecklenburg County | 13 | 12 | 1 | 7.7% |
| Chesterfield County | 13 | 11 | 2 | 15.4% |
| Brunswick County | 11 | 7 | 1 | 9.1% |
| Prince George County | 11 | 11 | 0 | 0.0% |
| Lunenburg County | 10 | 7 | 2 | 20.0% |
| Cumberland County | 10 | 8 | 2 | 20.0% |
| Powhatan County | 6 | 4 | 1 | 16.7% |
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: 183 applications in 2025, of which 133 were originated and 29 denied.
15.9% of all applications, or 16.5% 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 Bank and Trust'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