Home improvement loan lenders in Spotsylvania County, Virginia
Fat Boy Data analyzed home improvement loan 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. 2,026 applications were decided by 94 lenders between 2023 and 2025.
Spotsylvania County at a glance
How Spotsylvania County compares
What the data shows
Navy Federal Credit Union made the most home improvement loans in Spotsylvania County, VA, 351 of them.
That is 30% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Northwest Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 76% of 21.
The typical home improvement loan here is $65K, 24% smaller 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.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Spotsylvania County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | 75% | 361 / 480 | 97% | $65K | 351 |
| 2 | Virginia Federal Credit Union | 70% | 125 / 179 | 97% | $55K | 121 |
| 3 | Bank of America, National Association | 35% | 59 / 169 | 100% | $75K | 59 |
| 4 | Atlantic Union Bank | 68% | 107 / 158 | 93% | $95K | 99 |
| 5 | PNC Bank, National Association | 61% | 74 / 122 | 100% | $75K | 74 |
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 89 more lenders.
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You are seeing the 5 largest home improvement loan 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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