Investment property improvement lenders in Stafford County, Virginia
Fat Boy Data analyzed investment home improvement loan activity in Stafford 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. 87 applications were decided by 22 lenders between 2023 and 2025.
Stafford County at a glance
How Stafford County compares
What the data shows
Navy Federal Credit Union made the most investment home improvement loans in Stafford County, VA, 15 of them.
That is 48% 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, 41% of 39.
Lenders approved 37.9% of investment home improvement loan applications in Stafford County, VA, 5.9 percentage points below the Virginia rate of 43.8%.
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 Stafford County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | 41% | 16 / 39 | 94% | $85K | 15 |
| 2 | Bank of America, National AssociationLimited sample | 0% | 0 / 8 | — | — | 0 |
| 3 | Truist BankLimited sample | 0% | 0 / 7 | — | — | 0 |
| 4 | Figure Lending LLCLimited sample | 80% | 4 / 5 | 100% | $35K | 4 |
| 5 | Citizens Bank, National AssociationLimited sample | 25% | 1 / 4 | 100% | $85K | 1 |
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 17 more lenders.
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