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refinance lenders · HMDA 2023–2025

Refinance lenders in Spotsylvania County, Virginia

Fat Boy Data analyzed mortgage refinance activity in Spotsylvania County, Virginia to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,780 applications were decided by 175 lenders between 2023 and 2025.

Spotsylvania County at a glance

175Active lenders18 with 20+ decisions
81.5%Market approval rate1,451 of 1,780 decided
$435KTypical loanmedian lender, $10K brackets
89%Borrower take-up1,291 loans funded

How Spotsylvania County compares

Approval rate compared
Spotsylvania County81.5%Virginia79.3%All 616 counties76.5%
Typical loan compared
Spotsylvania County$435KVirginia$395KAll 616 counties$295K

What the data shows

Freedom Mortgage Corporation made the most mortgage refinances in Spotsylvania County, VA, 112 of them.

Guaranteed Rate, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 27.

The typical mortgage refinance here is $435K, 10% larger than the Virginia typical of $395K.

Approval rate of all 18 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 32% approved of 40Mortgage Research Center, LLC: 43% approved of 46Carrington Mortgage Services, LLC: 45% approved of 20Bank of America, National Association: 48% approved of 33Lakeview Loan Servicing, LLC: 61% approved of 44Pentagon Federal Credit Union: 69% approved of 29Truist Bank: 70% approved of 84Newrez LLC: 75% approved of 52Atlantic Union Bank: 77% approved of 47PNC Bank, National Association: 80% approved of 79Rocket Mortgage, LLC: 85% approved of 142Village Capital & Investment LLC: 92% approved of 73Pennymac Loan Services, LLC: 92% approved of 87United Wholesale Mortgage, LLC: 93% approved of 206Navy Federal Credit Union: 94% approved of 35Planet Home Lending, LLC: 95% approved of 20Freedom Mortgage Corporation: 98% approved of 146Guaranteed Rate, Inc.: 100% approved of 27

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Spotsylvania County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only93%191 / 20691%$445K173
2Freedom Mortgage Corporation98%143 / 14678%$475K112
3Rocket Mortgage, LLC85%121 / 14293%$405K112
4Pennymac Loan Services, LLC92%80 / 8792%$455K74
5Truist Bank70%59 / 8490%$105K53

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 170 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Spotsylvania County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for Spotsylvania County

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Nearby markets

All lending in Spotsylvania CountyCounty overviewRefinance across VirginiaStatewideHanover CountyNearby county