Winchester VA Loan Rates, Closing Costs & Stats

WINCHESTER, VA-WV

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    • 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.