Applications / Mortgage Analytics / Lenders / Virginia / Citizens Bank and Trust Company
Blackstone, VA · State member bank · FRS · $578 million assets · 135 loans in 2025
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135
loans originated, 2025
185
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank and Trust Company is a small Virginia bank that makes a far larger share of its loans in majority-minority areas than similar banks do.
Majority-minority areas took 22.2% of its loans, against 4.9% at similar lenders (state member banks making between half and twice as many loans), higher than at more than four in five of them. Low- and moderate-income (LMI) borrowers took 30.0%, against 27.2%. Its share in LMI areas fell to 11.8% from 17.9% in 2024, lower than at about three in four peers; the counties it serves, and where its 135 loans happened to fall, may explain that.
Its loans rose 10% to 135, against 8% at similar lenders and 10% for the whole market. Its yearly count has stayed between 118 and 164 since 2018. Its typical loan has risen to $175,000 from $125,000 five years before, the same as at peers.
Manufactured homes were 8.1% of its loans, against 2.4% at similar lenders, higher than at about four in five of them. Purchases made up 58.5% of its lending and home improvement 10.4%. All of it was conventional.
In Richmond, VA, its largest market, it ranked 106 of 551 lenders with 0.1% of lending, unchanged from 2024. It ranked 75 of 539 in non-metro Virginia. It has lent in both since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank and Trust Company took 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.5% · Refinance 18.5% · Other 12.6% · Home improvement 10.4%
Conventional 100.0% · of 135 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 | 133 | 98.5% |
| North Carolina | 2 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 59 |
| Virginia Beach-Chesapeake-Norfolk | 2 |
| Charlottesville | 1 |
| Lynchburg | 1 |
| Roanoke | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930085YFG0F7C2GE23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 991621 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2991621 | 2004–2017 |
Established 15 July 1873. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Citizens Bank and Trust Company's data.
Citizens Bank and Trust Company's data
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Citizens Bank and Trust Company 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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