Investment property improvement lenders in Spotsylvania County, Virginia
Fat Boy Data analyzed investment 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. 82 applications were decided by 33 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 investment home improvement loans in Spotsylvania County, VA, 10 of them.
That is 26% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Navy Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 42% of 24.
Lenders approved 52.4% of investment home improvement loan applications in Spotsylvania County, VA, 8.6 percentage points above the Virginia rate of 43.8%.
The typical investment home improvement loan here is $105K, 24% larger than the Virginia typical of $85K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Spotsylvania County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | 42% | 10 / 24 | 100% | $105K | 10 |
| 2 | Homebridge Financial Services, Inc.Limited sample | 71% | 5 / 7 | 80% | $125K | 4 |
| 3 | Bank of America, National AssociationLimited sample | 50% | 3 / 6 | 67% | $25K | 2 |
| 4 | Atlantic Union BankLimited sample | 40% | 2 / 5 | 100% | $255K | 2 |
| 5 | Figure Lending LLCLimited sample | 75% | 3 / 4 | 67% | $75K | 2 |
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 28 more lenders.
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