Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Stafford County, Virginia
Every institution that decided a 1–4 unit mortgage application in Stafford County between 2023 and 2025: 14,775 applications, 11,221 loans actually funded, across 8 kinds of borrowing.
Stafford County at a glance
14,775Applications decided
2023–2025
11,221Loans funded
76% of decisions
32Census tracts
5 ZIP codes
160,520People
ACS 2023
What the data shows
Lenders approved 88.1% of home-purchase applications in Stafford County, 4.0 points below the Virginia rate.
The typical purchase mortgage here is $475K.
Lending by loan type in Stafford County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.1% | 7,345 | $475K | 98% | 329 |
| Home improvement loans | 61.1% | 2,080 | $75K | 94% | 95 |
| Cash-out refinance | 71.1% | 2,782 | $175K | 95% | 172 |
| Refinance | 81.3% | 2,009 | $525K | 89% | 189 |
| Investment property purchase | 86.3% | 292 | $295K | 98% | 89 |
| Investment cash-out refinance | 63.3% | 90 | $245K | 95% | 47 |
| Investment refinance | 58.9% | 90 | $245K | 91% | 49 |
| Investment home improvement | 37.9% | 87 | $85K | 94% | 22 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.