Lenders › Citizens and Farmers Bank › Virginia
Citizens and Farmers Bank in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Virginia, Citizens and Farmers Bank reported 755 applications and 489 originations for 2024, $95m in all.
Its denial rate in the state was 29.6%, above the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 29.5%.
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | Citizens and Farmers Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 29.6% | 22.1% | 29.5% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.5% | — | 15.6% |
| Average originated loan | $195k | $352k | $195k | $329k |
| Home purchase share | 10.0% | 55.8% | 10.3% | 57.0% |
| FHA-insured share | 0.0% | 11.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 16.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 10% (49)Home improvement 37% (179)Refinancing 23% (111)Other purpose 31% (150)
By type
Conventional 100% (489)
Denial reasons as coded
Share of 211 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 126 | 88 | $9.4m | 27.0% |
| Henrico County | 123 | 78 | $10m | 30.2% |
| New Kent County | 69 | 41 | $3.6m | 33.3% |
| Powhatan County | 46 | 33 | $4.2m | 26.1% |
| Hanover County | 48 | 30 | $4.7m | 27.3% |
| Richmond city | 37 | 28 | $19m | 17.6% |
| James City County | 32 | 21 | $4.2m | 27.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Citizens and Farmers Bank originate in Virginia in 2024?
489 loans totalling $95m, from 755 applications reported for properties in Virginia.
What is Citizens and Farmers Bank's denial rate in Virginia?
29.6% of decided applications in Virginia were denied, against 22.1% for all lenders in the state and 29.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Virginia counties does Citizens and Farmers Bank lend in most?
By originations: Chesterfield County (88), Henrico County (78), New Kent County (41), Powhatan County (33), Hanover County (30).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.