Applications / Mortgage Analytics / Lenders / Virginia / C&F Select
Midlothian, VA · Non-bank affiliate of a holding company · CFPB · 108 loans in 2025
C&F Select's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
108
loans originated, 2025
133
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
C&F Select is a small Virginia home-purchase lender that grew 27% in 2025 while similar lenders shrank, and it relies far more than they do on government-backed loans.
It made 108 loans, up from 85, while similar lenders (affiliates of holding companies making between a quarter and four times as many loans) fell 20%. Only about one in ten of them grew faster. The rise follows four years of decline from 230 loans in 2020, its first year of reporting.
Almost all its loans (98.1%) financed a purchase. Loans insured by the Federal Housing Administration (FHA) made up 21.3% of its lending, against 6.1% at peers, and loans guaranteed by the Department of Veterans Affairs (VA) 5.6%, against 1.5%. Manufactured homes were 4.6% of its loans; the typical peer made none.
Nearly a third of its loans (30.6%) went to neighborhoods where most residents belong to minority groups, against 18.0% at peers. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 22.2%, against 17.7%. With 108 loans, a handful of loans can move these shares several points.
All its lending is in Virginia, across 21 counties. Richmond is its biggest market, where it ranks 68 of 551 lenders with 0.3% of lending, unchanged from a year earlier.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. C&F Select took 133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 98.1% · Refinance 1.9%
Conventional 73.1% · FHA 21.3% · VA 5.6% · of 108 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 | 108 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 81 |
| Virginia Beach-Chesapeake-Norfolk | 6 |
| Lynchburg | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X50UOL0Z4M1J25 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5335332 | 2022–2023 |
Established 3 January 2019. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: C&F Select's data.
C&F Select's data
$215
C&F Select 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 C&F Select'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]