Applications / Mortgage Analytics / Lenders / Virginia / Citizens and Farmers Bank
West Point, VA · State non-member bank · FDIC · $2.7 billion assets · 559 loans in 2025
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559
loans originated, 2025
838
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens and Farmers Bank is a Virginia bank that mostly makes small home-improvement, refinance and other-purpose loans, and buys more loans than nearly all similar banks.
Home improvement (37.9%), refinance (27.0%) and other purposes (25.4%) make up most of its loans; purchases are 9.7%. Its typical loan, $105,000, is smaller than about nine in ten similar lenders' (state non-member banks making between half and twice as many loans), whose typical loan is $185,000. All its loans are conventional.
It bought 136 loans, against 123 a year before and 28 five years before, more than nearly all similar lenders, most of which buy none. Its own originations rose 13%, against 9% for similar lenders and 10% for the whole market.
It ranks 48 of 551 lenders in Richmond, VA, where it has lent since before 1990, with 0.5% of the market against 0.6%. In Charlottesville its share fell to 0.1% from 0.7%; other lenders' growth there, or fewer loans in that market this year, are possible reasons. It gained 0.3% of Roanoke, up from almost none.
24.7% of its loans went to LMI (low- and moderate-income) borrowers and 12.4% were in LMI areas, both below similar lenders' 27.3% and 15.8%. Its focus on home-improvement and other loans to existing owners could be one reason. 10.7% were in majority-minority areas, near the middle of similar lenders and higher than their 7.9%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens and Farmers Bank took 838 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.9% · Refinance 27.0% · Other 25.4% · Purchase 9.7%
Conventional 100.0% · of 559 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 553 | 98.9% |
| North Carolina | 4 | 0.7% |
| District of Columbia | 1 | 0.2% |
| Maryland | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 382 |
| Virginia Beach-Chesapeake-Norfolk | 62 |
| Charlottesville | 12 |
| Arlington-Alexandria-Reston | 8 |
| Roanoke | 6 |
| Blacksburg-Christiansburg-Radford | 1 |
| Lexington Park | 1 |
| Staunton-Stuarts Draft | 1 |
| Washington | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QBMI3P6JWI9Q86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 928421 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310363 | 1990–2017 |
Established 1 February 1927. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens and Farmers Bank's data.
Citizens and Farmers Bank's data
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Citizens and Farmers Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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