Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Spotsylvania County, Virginia
Every institution that decided a 1–4 unit mortgage application in Spotsylvania County between 2023 and 2025: 14,372 applications, 10,868 loans actually funded, across 8 kinds of borrowing.
Spotsylvania County at a glance
14,372Applications decided
2023–2025
10,868Loans funded
76% of decisions
34Census tracts
5 ZIP codes
143,876People
ACS 2023
What the data shows
Lenders approved 87.4% of home-purchase applications in Spotsylvania County, 4.7 points below the Virginia rate.
The typical purchase mortgage here is $415K.
Lending by loan type in Spotsylvania County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.4% | 7,210 | $415K | 97% | 318 |
| Home improvement loans | 63.1% | 2,026 | $65K | 93% | 94 |
| Cash-out refinance | 69.3% | 2,609 | $165K | 95% | 182 |
| Refinance | 81.5% | 1,780 | $435K | 89% | 175 |
| Investment property purchase | 85.2% | 472 | $295K | 96% | 138 |
| Investment cash-out refinance | 66.7% | 90 | $205K | 97% | 51 |
| Investment refinance | 81.5% | 103 | $335K | 100% | 44 |
| Investment home improvement | 52.4% | 82 | $105K | 91% | 33 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.