Applications / Mortgage Analytics / Lenders / Virginia / Colonial Farm Credit
Mechanicsville, VA · Independent non-bank lender · CFPB · 63 loans in 2025
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63
loans originated, 2025
72
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Colonial Farm Credit is a small rural Virginia lender whose loans grew again in 2025, and nearly a third of them paid for home improvement.
Fewer than half its loans, 46.0%, financed a purchase. Home improvement made up 30.2% and refinancing 17.5%. Every loan was conventional, with none insured by the Federal Housing Administration. Its largest market is non-metro Virginia, and it lends in 32 counties across two states.
Its loans rose 15% to 63, while similar lenders, independent non-banks making between half and twice as many loans, fell 4%. The whole market grew 10%. The rise follows a long slide, from 140 loans in 2019 and 124 in 2020 to 42 in 2023.
Only 4.8% of its loans went to low- and moderate-income (LMI) tracts, against 18.8% at similar lenders, and 7.9% to majority-minority tracts, against 32.8%. Its share of loans to LMI borrowers, 17.5%, was close to peers' 18.8%. The gap may reflect the rural counties it serves, and with 63 loans a handful either way moves these shares.
It has filed since 1992, yet its share of each metro market it serves is 0.2% or less. In non-metro Virginia it ranks 136th of 539 lenders, where Rocket Mortgage and United Wholesale Mortgage lead.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Colonial Farm Credit took 72 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.0% · Home improvement 30.2% · Refinance 17.5% · Other 6.3%
Conventional 100.0% · of 63 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 | 52 | 82.5% |
| Maryland | 11 | 17.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 12 |
| Lexington Park | 9 |
| Virginia Beach-Chesapeake-Norfolk | 8 |
| Charlottesville | 4 |
| Washington | 2 |
| Lynchburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W4BRJPRFMIIL49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2404545 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7541469169 |
Established 6 January 1934. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Colonial Farm Credit's data.
Colonial Farm Credit's data
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Colonial Farm Credit 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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