Winchester VA Loan Rates, Closing Costs & Stats
WINCHESTER, VA-WV
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who
have served or are presently serving in the U.S. military. The VA does not directly lend,
it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will
also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan,
it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out
refis.
For additional benefits of VA loans, click here.
Winchester's 83 lenders originated 362 VA
loans during 2024. The total origination value was $156,020,000, with an average VA loan value of
$430,994.
Winchester VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Winchester
averaged
0.22%
for the week of 2025-07-04, compared to the national average (all VA variants) of
0% for the same period.
Winchester's average VA mortgage closing costs are $7,506.
The average rate for the prior week (2025-06-27) was
6.45% and
one month ago for the week of 2025-05-30, the
average rate was 6.78%.
The average rate one year ago was 6.59%.
For refis of the same type during the week of 2025-07-04, the average rate
was 0.24%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
Winchester VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 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 |
Mortgage Research Center, LLC
|
41
|
6.23%
|
$8,148
|
UNITED WHOLESALE MORTGAGE, LLC
|
28
|
5.60%
|
$9,624
|
NAVY FEDERAL CREDIT UNION
|
23
|
6.12%
|
$7,054
|
FREEDOM MORTGAGE CORPORATION
|
16
|
5.99%
|
$15,400
|
GSF Mortgage Corporation
|
15
|
6.03%
|
$11,811
|
QUICKEN LOANS, LLC
|
15
|
5.92%
|
$13,601
|
NVR Mortgage Finance, Inc.
|
12
|
6.42%
|
$5,676
|
Integrity Home Mortgage Corp
|
12
|
6.41%
|
$6,320
|
HOMEAMERICAN MORTGAGE CORPORATION
|
10
|
5.47%
|
$5,093
|
DHI MORTGAGE COMPANY, LTD.
|
9
|
5.49%
|
$6,339
|
INTERCOASTAL MORTGAGE COMPANY
|
8
|
6.20%
|
$11,316
|
USAA Federal Savings Bank
|
8
|
6.23%
|
$13,230
|
LOANDEPOT.COM, LLC
|
8
|
5.73%
|
$13,881
|
PENNYMAC LOAN SERVICES, LLC
|
7
|
5.68%
|
$8,047
|
NEWREZ LLC
|
7
|
6.41%
|
$8,938
|
MOVEMENT MORTGAGE, LLC
|
6
|
6.29%
|
$13,353
|
Atlantic Coast Mortgage, LLC
|
6
|
6.71%
|
$12,823
|
HOMESPIRE MORTGAGE CORPORATION
|
6
|
6.44%
|
$9,362
|
ARK-LA-TEX FINANCIAL SERVICES, LLC.
|
5
|
6.78%
|
$7,395
|
VILLAGE CAPITAL MORTGAGE
|
4
|
5.81%
|
$7,158
|
CMG MORTGAGE, INC.
|
4
|
6.06%
|
$15,673
|
JAMS-01, INC.
|
4
|
5.94%
|
$18,366
|
EAGLE HOME MORTGAGE, LLC
|
3
|
5.83%
|
$10,485
|
The Federal Savings Bank
|
3
|
6.33%
|
$24,947
|
PHH Mortgage Corporation
|
3
|
5.67%
|
$5,296
|
Shea Mortgage Inc.
|
3
|
6.21%
|
$68
|
PLANET HOME LENDING, LLC
|
2
|
5.25%
|
$7,830
|
AMERICAN FINANCIAL NETWORK, INC.
|
2
|
5.63%
|
$14,560
|
Barrington Bank & Trust Company, N.A.
|
2
|
6.00%
|
$5,435
|
CROSSCOUNTRY MORTGAGE, LLC
|
2
|
6.19%
|
$23,091
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
2
|
6.44%
|
$4,303
|
First Federal Bank
|
2
|
6.00%
|
$10,535
|
First Heritage Mortgage, LLC
|
2
|
6.06%
|
$12,575
|
FIRST HOME MORTGAGE CORPORATION
|
2
|
6.25%
|
$3,795
|
GUARANTEED RATE, INC.
|
2
|
5.75%
|
$12,125
|
GUILD MORTGAGE COMPANY
|
2
|
6.50%
|
$12,066
|
MORIA DEVELOPMENT, INC.
|
2
|
6.69%
|
$6,874
|
Mr. Cooper ( Nationstar Mortgage )
|
2
|
6.69%
|
$10,096
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
2
|
5.38%
|
$19,140
|
NEW DAY FINANCIAL, LLC
|
2
|
7.87%
|
$17,373
|
PENTAGON FEDERAL CREDIT UNION
|
2
|
6.25%
|
$15,451
|
Prosperity Home Mortgage, LLC
|
2
|
6.31%
|
$9,939
|
SUN WEST MORTGAGE COMPANY, INC.
|
2
|
5.68%
|
$10,629
|
TIDEWATER MORTGAGE SERVICES, INC.
|
2
|
6.19%
|
$5,872
|
UNION HOME MORTGAGE CORP.
|
2
|
5.38%
|
$13,589
|
Equity Prime Mortgage LLC
|
1
|
7.63%
|
$3,238
|
MICHIGAN MUTUAL, INC.
|
1
|
6.75%
|
$8,238
|
The Central Trust Bank
|
1
|
6.25%
|
$4,834
|
ENVOY MORTGAGE, LTD
|
1
|
7.13%
|
$17,439
|
EMBRACE HOME LOANS, INC.
|
1
|
6.25%
|
$9,974
|
ATLANTIC BAY MORTGAGE GROUP, L.L.C.
|
1
|
5.49%
|
$4,529
|
ALLIED MORTGAGE GROUP, INC.
|
1
|
6.25%
|
$5,064
|
Credence Funding Corporation
|
1
|
5.50%
|
$9,787
|
NBKC BANK
|
1
|
5.63%
|
$11,886
|
ZILLOW HOME LOANS, LLC
|
1
|
6.25%
|
$4,359
|
Carrington Mortgage Services, LLC
|
1
|
5.63%
|
$10,573
|
NFM, INC.
|
1
|
6.63%
|
$3,379
|
NORWICH COMMERCIAL GROUP, INC.
|
1
|
6.13%
|
$9,655
|
Capital Bank
|
1
|
6.25%
|
$2,875
|
CALCON MUTUAL MORTGAGE LLC
|
1
|
6.63%
|
$17,609
|
United Bank
|
1
|
5.99%
|
$5,916
|
Blue Ridge Bank
|
1
|
6.00%
|
$18,204
|
AFFORDABLE MORTGAGE ADVISORS, LLC.
|
1
|
6.75%
|
$8,962
|
PLAZA HOME MORTGAGE, INC.
|
1
|
6.63%
|
$12,697
|
PNC Bank
|
1
|
6.63%
|
$3,422
|
PRIMARY RESIDENTIAL MORTGAGE, INC.
|
1
|
6.13%
|
$8,861
|
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC
|
1
|
6.63%
|
$1,000
|
BAY EQUITY LLC
|
1
|
6.25%
|
$8,169
|
Sandy Spring Bank
|
1
|
6.13%
|
$14,836
|
Bank of Clarke County
|
1
|
5.75%
|
$4,647
|
Strong Home Mortgage, LLC
|
1
|
5.99%
|
$33,642
|
SUCCESS MORTGAGE PARTNERS, INC.
|
1
|
5.75%
|
$12,608
|
AMERICAN FINANCIAL RESOURCES, INC.
|
1
|
5.75%
|
$11,662
|
T2 FINANCIAL LLC
|
1
|
7.00%
|
$9,007
|
GUARANTEED RATE AFFINITY, LLC
|
1
|
6.13%
|
$18,933
|
HOMEBRIDGE FINANCIAL SERVICES, INC.
|
1
|
7.00%
|
$6,945
|
HOMESIDE FINANCIAL, LLC
|
1
|
6.50%
|
$21,509
|
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION
|
1
|
5.50%
|
$6,062
|
Flagstar Bank, FSB
|
1
|
5.13%
|
$5,346
|
FIRST COMMUNITY MORTGAGE, INC.
|
1
|
5.25%
|
$5,392
|
FIRST COLONY MORTGAGE CORPORATION
|
1
|
6.25%
|
$12,250
|
Lakeview Community Capital, LLC
|
1
|
4.99%
|
$6,561
|
LAKEVIEW LOAN SERVICING, LLC
|
1
|
6.25%
|
$1,947
|
The top Winchester VA lender as defined by loan originations is Mortgage Research Center, LLC, with
41 VA loans originated. Their average total fees are
$8,148, which is $1,476
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Winchester VA lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($5,093), NVR Mortgage Finance, Inc. ($5,676), Integrity Home Mortgage Corp ($6,320), NAVY FEDERAL CREDIT UNION ($7,054) and Mortgage Research Center, LLC ($8,148).
The lowest rate Winchester VA lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION (5.47%), UNITED WHOLESALE MORTGAGE, LLC (5.60%), QUICKEN LOANS, LLC (5.92%), FREEDOM MORTGAGE CORPORATION (5.99%) and GSF Mortgage Corporation (6.03%).
VA Loan Features
No down payment required
Negotiable and competitive interest rate.
Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent
and exemption for veterans receiving VA compensation).
VA rules limit the amount you can be charged for closing costs.
Closing costs are comparable with other financing types (and may be lower).
Closing costs may be paid by the seller.
No private mortgage insurance premiums are required.
An assumable mortgage.
Right to prepay your mortgage without penalty.
For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain
cooperation of builder.
VA assistance to veteran borrowers in default due to temporary financial difficulty.