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refinance lenders · HMDA 2023–2025

Refinance lenders in Stafford County, Virginia

Fat Boy Data analyzed mortgage refinance 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. 2,009 applications were decided by 189 lenders between 2023 and 2025.

Stafford County at a glance

189Active lenders19 with 20+ decisions
81.3%Market approval rate1,633 of 2,009 decided
$525KTypical loanmedian lender, $10K brackets
89%Borrower take-up1,457 loans funded

How Stafford County compares

Approval rate compared
Stafford County81.3%Virginia79.3%All 616 counties76.5%
Typical loan compared
Stafford County$525KVirginia$395KAll 616 counties$295K

What the data shows

Freedom Mortgage Corporation made the most mortgage refinances in Stafford County, VA, 143 of them.

Atlantic Coast Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.

The typical mortgage refinance here is $525K, 33% larger than the Virginia typical of $395K.

Approval rate of all 19 lenders with 20+ decisions here
0%25%50%75%100%One lender: 24% approved of 49One lender: 42% approved of 72One lender: 54% approved of 79One lender: 55% approved of 20One lender: 59% approved of 46One lender: 73% approved of 45One lender: 74% approved of 68One lender: 74% approved of 43One lender: 75% approved of 28Truist Bank: 76% approved of 91One lender: 77% approved of 43One lender: 80% approved of 20One lender: 83% approved of 30Rocket Mortgage, LLC: 87% approved of 140Pennymac Loan Services, LLC: 89% approved of 98United Wholesale Mortgage, LLC: 91% approved of 293Freedom Mortgage Corporation: 97% approved of 187One lender: 97% approved of 71One lender: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Stafford County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only91%268 / 29391%$565K243
2Freedom Mortgage Corporation97%181 / 18779%$525K143
3Rocket Mortgage, LLC87%122 / 14091%$515K111
4Pennymac Loan Services, LLC89%87 / 9892%$565K80
5Truist Bank76%69 / 9196%$155K66

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 184 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Stafford County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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