Applications / Mortgage Analytics / Lenders / Virginia / Citizens and Farmers Bank / Competition
Citizens and Farmers Bank
West Point, VA · State non-member bank · FDIC · $2.7 billion assets · 559 loans in 2025
Citizens and Farmers Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
559
loans originated, 2025
838
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who Citizens and Farmers Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — RICHMOND, VA, 2025
Citizens and Farmers Bank ranks 48th of 551 lenders in Richmond, VA, with $59.1M lent: 0.5% of a $11.70B market.
Richmond, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens and Farmers Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO VIRGINIA, 2025
Citizens and Farmers Bank ranks 105th of 539 lenders in non-metro Virginia, with $10.3M lent: 0.2% of a $5.11B market.
non-metro Virginia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens and Farmers Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — VIRGINIA BEACH-CHESAPEAKE-NORFOLK, NC-VA, 2025
Citizens and Farmers Bank ranks 154th of 577 lenders in Virginia Beach-Chesapeake-Norfolk, NC-VA, with $8.6M lent: 0.1% of a $15.33B market.
Virginia Beach-Chesapeake-Norfolk, NC-VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens and Farmers Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — ROANOKE, VA, 2025
Citizens and Farmers Bank ranks 65th of 346 lenders in Roanoke, VA, with $5.8M lent: 0.3% of a $2.03B market.
Roanoke, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens and Farmers Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — CHARLOTTESVILLE, VA, 2025
Citizens and Farmers Bank ranks 110th of 337 lenders in Charlottesville, VA, with $2.1M lent: 0.1% of a $1.91B market.
Charlottesville, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens and Farmers Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — WILMINGTON, NC, 2025
Citizens and Farmers Bank ranks 383rd of 538 lenders in Wilmington, NC, with $545K lent: 0.0% of a $6.21B market.
Wilmington, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens and Farmers Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — LEXINGTON PARK, MD, 2025
Citizens and Farmers Bank ranks 198th of 291 lenders in Lexington Park, MD, with $545K lent: 0.0% of a $1.83B market.
Lexington Park, MD is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens and Farmers Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — STAUNTON-STUARTS DRAFT, VA, 2025
Citizens and Farmers Bank ranks 219th of 236 lenders in Staunton-Stuarts Draft, VA, with $175K lent: 0.0% of a $800.1M market.
Staunton-Stuarts Draft, VA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens and Farmers Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
Citizens and Farmers Bank's data
$215
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.
Buy Citizens and Farmers Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]