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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Spotsylvania County, Virginia

Fat Boy Data analyzed home purchase mortgage 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. 7,210 applications were decided by 318 lenders between 2023 and 2025.

Spotsylvania County at a glance

318Active lenders59 with 20+ decisions
87.4%Market approval rate6,300 of 7,210 decided
$415KTypical loanmedian lender, $10K brackets
97%Borrower take-up6,111 loans funded

How Spotsylvania County compares

Approval rate compared
Spotsylvania County87.4%Virginia92.1%All 616 counties87.6%
Typical loan compared
Spotsylvania County$415KVirginia$415KAll 616 counties$335K

What the data shows

NVR Mortgage Finance, Inc. made the most home purchase mortgages in Spotsylvania County, VA, 610 of them.

Atlantic Bay Mortgage Group, L.L.C. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 81.

Approval rate of all 59 lenders with 20+ decisions here
0%25%50%75%100%Vanderbilt Mortgage and Finance, Inc.: 13% approved of 151Kind Lending, LLC: 69% approved of 61Ocmbc, Inc.: 71% approved of 21NVR Mortgage Finance, Inc.: 74% approved of 829K. Hovnanian American Mortgage, L.L.C.: 76% approved of 177Pentagon Federal Credit Union: 77% approved of 56Truist Bank: 78% approved of 67Calcon Mutual Mortgage LLC: 81% approved of 31Newrez LLC: 81% approved of 26Pennymac Loan Services, LLC: 82% approved of 44USAA Federal Savings Bank: 82% approved of 34Bank of America, National Association: 83% approved of 65American Pacific Mortgage Corporation: 85% approved of 20Wells Fargo Bank, National Association: 85% approved of 54Virginia Federal Credit Union: 86% approved of 35Navy Federal Credit Union: 87% approved of 259Rocket Mortgage, LLC: 88% approved of 233United Wholesale Mortgage, LLC: 90% approved of 315Bay Equity LLC: 90% approved of 30Loandepot.Com, LLC: 90% approved of 20Mortgage Research Center, LLC: 90% approved of 231City Lending Inc.: 90% approved of 84Freedom Mortgage Corporation: 91% approved of 53Tidewater Mortgage Services, Inc.: 91% approved of 23Union Home Mortgage Corp.: 91% approved of 70Lower, LLC: 92% approved of 48Homeamerican Mortgage Corporation: 92% approved of 110Embrace Home Loans, Inc.: 92% approved of 98The Federal Savings Bank: 92% approved of 25Manufacturers and Traders Trust Company: 94% approved of 35C & F Mortgage Corporation: 95% approved of 40George Mason Mortgage, LLC: 95% approved of 20TowneBank: 95% approved of 20Alcova Mortgage LLC: 95% approved of 62American Financial Network, Inc.: 95% approved of 42The Freedom Bank of Virginia: 95% approved of 43First Heritage Mortgage, LLC: 95% approved of 87Movement Mortgage, LLC: 95% approved of 526Cmg Mortgage, Inc.: 96% approved of 272Integrity Home Mortgage Corporation: 96% approved of 46Plains Commerce Bank: 96% approved of 23Atlantic Union Bank: 96% approved of 47Guaranteed Rate, Inc.: 96% approved of 175Fairway Independent Mortgage Corporation: 96% approved of 179Crosscountry Mortgage, LLC: 96% approved of 84Nfm, Inc.: 97% approved of 87New American Funding, LLC: 97% approved of 30First Savings Mortgage Corporation: 97% approved of 30Moria Development, Inc.: 97% approved of 74Fulton Bank, National Association: 97% approved of 38Atlantic Coast Mortgage, LLC: 98% approved of 365Summit Funding, Inc.: 98% approved of 61Ameris Bank: 99% approved of 92Prosperity Home Mortgage, LLC: 99% approved of 101Atlantic Bay Mortgage Group, L.L.C.: 100% approved of 81Intercoastal Mortgage, LLC: 100% approved of 45Vellum Mortgage, Inc.: 100% approved of 37Guild Mortgage Company LLC: 100% approved of 27Guaranteed Rate Affinity, LLC: 100% approved of 25

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

Mortgage lenders in Spotsylvania County

LenderApprovalApprovedTaken upTypical loanLoans made
1NVR Mortgage Finance, Inc.74%610 / 829100%$425K610
2Movement Mortgage, LLC95%502 / 52687%$395K437
3Atlantic Coast Mortgage, LLC98%356 / 36596%$405K343
4United Wholesale Mortgage, LLCBroker only90%283 / 31599%$415K281
5Cmg Mortgage, Inc.96%260 / 27290%$445K235

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 313 more lenders.

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You are seeing the 5 largest home purchase mortgage 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 overviewMortgage lenders across VirginiaStatewideHanover CountyNearby county