Lender in Virginia · HMDA 2025
Citizens Bank, N.A. mortgages in Virginia
Citizens Bank, N.A.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Citizens Bank, N.A. originated 261 owner-occupied single-family loans in Virginia from 284 completed applications.
Its median conventional purchase loan costs were $7,770 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.50% (Virginia: 6.625%).
Loans in VA
261
of 284 applications
Denial rate
6.6%
Purchase · VA 6.9%
Rate spread
−0.04 pts
Conv. · VA +0.10 pts
Loan amount
$615,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 228 | 212 | 6.6% | 6.500% | −0.04 pts | $7,770 | $615,000 |
| Refinance | 34 | 32 | 5.9% | — | +0.09 pts | $4,450 | $455,000 |
| Cash-out refinance | 22 | 17 | 18.2% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Citizens Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Botetourt County | 17 | 8 | 1.6% |
| Pittsylvania County | 20 | 6 | 1.1% |
| Danville city | 23 | 3 | 0.9% |
- Citizens Bank, N.A. nationwide
- Virginia mortgage market
- Citizens Bank, N.A. in New York
- Citizens Bank, N.A. in Pennsylvania
- Citizens Bank, N.A. in Massachusetts
- Citizens Bank, N.A. in Ohio
- Citizens Bank, N.A. in New Jersey
- Citizens Bank, N.A. in Connecticut
- Citizens Bank, N.A. in Florida
- Citizens Bank, N.A. in Michigan
- Citizens Bank, N.A. in Rhode Island
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology