Citizens and Farmers Bank mortgage approval rate & lending review
Citizens and Farmers Bank decided 748 mortgage applications and funded 512 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens and Farmers Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens and Farmers Bank at a glance
Approval is 0.0 points below the 70.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 77% | 57 / 74 | 88% | $255K | 50 |
| Home improvement loans | 71% | 275 / 389 | 98% | $85K | 270 |
| Refinance | 70% | 150 / 214 | 100% | $125K | 150 |
| Investment property purchase | 77% | 30 / 39 | 87% | $195K | 26 |
Citizens and Farmers Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 70% | $85K | 741 | 506 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Citizens and Farmers Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Chesterfield County, VA | Home improvement loans | 78% | 131 | 101 |
| Henrico County, VA | Home improvement loans | 62% | 124 | 76 |
| Chesterfield County, VA | Refinance | 77% | 74 | 57 |
| Henrico County, VA | Refinance | 60% | 77 | 46 |
| Hanover County, VA | Home improvement loans | 74% | 46 | 34 |
| Richmond city, VA | Home improvement loans | 81% | 42 | 33 |
| Hanover County, VA | Refinance | 86% | 29 | 25 |
The county markets where Citizens and Farmers Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens and Farmers Bank
What is Citizens and Farmers Bank's mortgage approval rate?
Citizens and Farmers Bank approved 70.6% of the 748 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.0 points below the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens and Farmers Bank offers?
Borrowers accepted 97% of the loans Citizens and Farmers Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Citizens and Farmers Bank make?
The typical home improvement loan loan Citizens and Farmers Bank made was $85K; across all loan types its typical loan ran from $85K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens and Farmers Bank lend?
Citizens and Farmers Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Virginia, North Carolina and District of Columbia.
Can I apply to Citizens and Farmers Bank directly?
Yes. Citizens and Farmers Bank is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens and Farmers Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Citizens and Farmers Bank treats applications, then get a rate quote from the lender.