Citizens and Farmers Bank
Citizens and Farmers Bank received 838 applications in 2025 and made 559 mortgages, in 84 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 791 decisions, 217 were denials — 27.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300QBMI3P6JWI9Q86 |
|---|---|
| Applications received | 838 |
| Mortgages made | 559 |
| Denied | 217 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 47 |
| Loans bought from other lenders | 136 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens and Farmers Bank, 32 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 54 | Not published | $275,000 | 24.1% |
| Refinancing | 151 | Not published | $125,000 | 24.8% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 354 | Not published | $75,000 | 29.0% |
Where Citizens and Farmers Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chesterfield County, VA | 96 | Not published | 26.0% |
| Henrico County, VA | 67 | Not published | 39.3% |
| Hanover County, VA | 46 | Not published | 18.6% |
| New Kent County, VA | 46 | Not published | 19.0% |
| Powhatan County, VA | 37 | Not published | 33.3% |
| James City County, VA | 34 | Not published | 21.7% |
| Richmond city, VA | 27 | Not published | 26.3% |
| Middlesex County, VA | 18 | Not published | 18.2% |
| King William County, VA | 16 | Not published | 20.0% |
| Goochland County, VA | 14 | Not published | 26.3% |
| King George County, VA | 14 | Not published | 17.7% |
| Cumberland County, VA | 13 | Not published | 30.0% |
| Westmoreland County, VA | 11 | Not published | 31.3% |
| Albemarle County, VA | 8 | Under 10 loans | 11.1% |
| Dinwiddie County, VA | 8 | Under 10 loans | 11.1% |
| Amelia County, VA | 7 | Under 10 loans | 22.2% |
| Charles City County, VA | 7 | Under 10 loans | 36.4% |
| Gloucester County, VA | 7 | Under 10 loans | 0.0% |
| Louisa County, VA | 6 | Under 10 loans | 14.3% |
| Prince George County, VA | 5 | Under 10 loans | 0.0% |
| Richmond County, VA | 5 | Under 10 loans | 37.5% |
| Roanoke city, VA | 5 | Under 10 loans | 12.5% |
| Spotsylvania County, VA | 4 | Under 10 loans | 42.9% |
| Newport News city, VA | 4 | Under 10 loans | 33.3% |
| Virginia Beach city, VA | 4 | Under 10 loans | 50.0% |
| Caroline County, VA | 3 | Under 10 loans | 50.0% |
| Essex County, VA | 3 | Under 10 loans | 25.0% |
| King and Queen County, VA | 3 | Under 10 loans | 25.0% |
| Charlottesville city, VA | 3 | Under 10 loans | 25.0% |
| Currituck County, NC | 2 | Under 10 loans | 0.0% |
| Nottoway County, VA | 2 | Under 10 loans | 33.3% |
| Stafford County, VA | 2 | Under 10 loans | 50.0% |
| York County, VA | 2 | Under 10 loans | 33.3% |
| Fredericksburg city, VA | 2 | Under 10 loans | 0.0% |
| Hampton city, VA | 2 | Under 10 loans | 0.0% |
| Norfolk city, VA | 2 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Calvert County, MD | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Augusta County, VA | 1 | Under 10 loans | 0.0% |
| Buckingham County, VA | 1 | Under 10 loans | 0.0% |
| Franklin County, VA | 1 | Under 10 loans | 50.0% |
| Giles County, VA | 1 | Under 10 loans | 0.0% |
| Henry County, VA | 1 | Under 10 loans | 0.0% |
| Isle of Wight County, VA | 1 | Under 10 loans | 0.0% |
| Lancaster County, VA | 1 | Under 10 loans | 50.0% |
| Mathews County, VA | 1 | Under 10 loans | 0.0% |
| Nelson County, VA | 1 | Under 10 loans | 0.0% |
| Northumberland County, VA | 1 | Under 10 loans | 66.7% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.