Cash-out refinance lenders in Spotsylvania County, Virginia
Fat Boy Data analyzed cash-out refinance 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. 2,609 applications were decided by 182 lenders between 2023 and 2025.
Spotsylvania County at a glance
How Spotsylvania County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in Spotsylvania County, VA, 496 of them.
That is 29% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Movement Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 49.
The typical cash-out refinance here is $165K, 15% smaller than the Virginia typical of $195K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in Spotsylvania County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 86% | 513 / 599 | 97% | $165K | 496 |
| 2 | Navy Federal Credit Union | 76% | 132 / 174 | 98% | $145K | 129 |
| 3 | United Wholesale Mortgage, LLCBroker only | 78% | 135 / 174 | 99% | $345K | 134 |
| 4 | Amerisave Mortgage Corporation | 41% | 54 / 132 | 96% | $145K | 52 |
| 5 | Freedom Mortgage Corporation | 80% | 77 / 96 | 97% | $385K | 75 |
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 177 more lenders.
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You are seeing the 5 largest cash-out refinance 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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