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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Fairfax County, Virginia

Fat Boy Data analyzed home improvement loan activity in Fairfax 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. 10,416 applications were decided by 178 lenders between 2023 and 2025.

Fairfax County at a glance

178Active lenders40 with 20+ decisions
65.5%Market approval rate6,828 of 10,416 decided
$105KTypical loanmedian lender, $10K brackets
94%Borrower take-up6,403 loans funded

How Fairfax County compares

Approval rate compared
Fairfax County65.5%Virginia65.0%All 616 counties62.7%
Typical loan compared
Fairfax County$105KVirginia$85KAll 616 counties$75K

What the data shows

Navy Federal Credit Union made the most home improvement loans in Fairfax County, VA, 1,190 of them.

United States Senate Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 57.

The typical home improvement loan here is $105K, 24% larger than the Virginia typical of $85K.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 40 lenders with 20+ decisions here
0%25%50%75%100%Spring Eq, LLC: 33% approved of 220Discover Bank: 40% approved of 264Bank of America, National Association: 48% approved of 1,194Truist Bank: 49% approved of 956Manufacturers and Traders Trust Company: 51% approved of 231United Bank: 53% approved of 123Alliant Credit Union: 55% approved of 38U.S. Bank National Association: 56% approved of 131Fourleaf: 57% approved of 80TD Bank, National Association: 60% approved of 295First National Bank of Pennsylvania: 62% approved of 164Burke & Herbert Bank & Trust Company: 63% approved of 43PNC Bank, National Association: 63% approved of 597Figure Lending LLC: 66% approved of 253Pentagon Federal Credit Union: 66% approved of 696Virginia Federal Credit Union: 70% approved of 47Citibank, National Association: 70% approved of 27Apple Federal Credit Union: 71% approved of 717Citizens Bank, National Association: 72% approved of 290Commonwealth One: 72% approved of 29Atlantic Union Bank: 72% approved of 156Sandy Spring Bank: 73% approved of 106Third Federal Savings And Loan Association Of Cleveland: 73% approved of 170Nationstar Mortgage LLC: 76% approved of 49Nextmark: 76% approved of 80CommonWealth One Federal Credit Union: 76% approved of 55TOWER Federal Credit Union: 77% approved of 355Fulton Bank, National Association: 77% approved of 30Rocket Mortgage, LLC: 77% approved of 22Spectra Credit Union: 78% approved of 23Navy Federal Credit Union: 78% approved of 1,547Langley Federal Credit Union: 79% approved of 38State Department Federal Credit Union: 81% approved of 104Loandepot.Com, LLC: 82% approved of 22Northwest Federal Credit Union: 82% approved of 397Homebridge Financial Services, Inc.: 83% approved of 30WesBanco Bank, Inc.: 87% approved of 23JUSTICE Federal Credit Union: 96% approved of 28Coastal Community Bank: 98% approved of 154United States Senate Federal Credit Union: 100% approved of 57

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

Home improvement loan lenders in Fairfax County

LenderApprovalApprovedTaken upTypical loanLoans made
1Navy Federal Credit Union78%1,211 / 1,54798%$105K1,190
2Bank of America, National Association48%576 / 1,19496%$125K552
3Truist Bank49%470 / 95691%$155K430
4Apple Federal Credit Union71%510 / 717100%$105K510
5Pentagon Federal Credit Union66%462 / 69698%$105K455

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 173 more lenders.

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Other lending data for Fairfax County

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Nearby markets

All lending in Fairfax CountyCounty overviewHome improvement loans across VirginiaStatewideArlington CountyNearby county