Winchester USDA Loan Rates, Closing Costs & Stats

WINCHESTER, VA-WV

USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

Winchester's 22 lenders originated 35 USDA loans during 2024. The total origination value was $9,975,000, with an average USDA loan value of $285,000.

Winchester USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Winchester averaged -0.03% for the week of 2025-07-04, compared to the national average (all USDA variants) of 0% for the same period.

Winchester's average USDA mortgage closing costs are $6,072.

The average rate for the prior week (2025-06-27) was 6.41% and one month ago for the week of 2025-05-30, the average rate was 6.59%.

The average rate one year ago was 6.99%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.21%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Winchester USDA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Winchester level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Integrity Home Mortgage Corp 7 6.54% $7,770
GUILD MORTGAGE COMPANY 4 6.44% $8,582
HOMESPIRE MORTGAGE CORPORATION 3 6.15% $8,154
TIDEWATER MORTGAGE SERVICES, INC. 2 6.44% $8,261
CityWorth Mortgage LLC 1 6.25% $14,203
EMBRACE HOME LOANS, INC. 1 5.64% $5,091
FIRST HOME MORTGAGE CORPORATION 1 7.25% $8,286
Flagstar Bank, FSB 1 6.47% $6,088
HOMEAMERICAN MORTGAGE CORPORATION 1 4.88% $7,259
MILLENNIUM FINANCIAL GROUP, INC. 1 6.00% $5,053
MOVEMENT MORTGAGE, LLC 1 6.75% $10,596
Paramount Residential Mortgage Group, Inc. 1 6.25% $14,089
SWBC MORTGAGE CORPORATION 1 5.75% $11,968
The Loan Store, Inc. 1 5.63% $16,282
TOWNE MORTGAGE COMPANY 1 6.25% $5,175
Truist 1 6.25% $6,147
UNION HOME MORTGAGE CORP. 1 4.75% $9,576
Alcova Mortgage LLC 1 6.38% $6,383
UNITED WHOLESALE MORTGAGE, LLC 1 5.89% $13,263
Atlantic Coast Mortgage, LLC 1 6.38% $9,872
CALCON MUTUAL MORTGAGE LLC 1 6.00% $11,880
Century Mortgage Company DBA Century Lending Company 1 5.99% $24,200

The top Winchester USDA lender as defined by loan originations is Integrity Home Mortgage Corp, with 7 USDA loans originated. Their average total fees are $7,770, which is $812 lower than the next largest lender, GUILD MORTGAGE COMPANY.

The lowest fee Winchester USDA lenders (with over 10 loans originated) are .

The lowest rate Winchester USDA lenders (with over 10 loans originated) are .