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 6.74% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Winchester's average VA mortgage closing costs are $7,506.

    The average rate for the prior week (2025-05-16) was 6.63% and one month ago for the week of 2025-04-18, the average rate was 6.9%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.76%.

    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%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Winchester (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $280,218 (4.9%) $311,159 (7.3%) 0.00 494
    2018-02-01 $289,448 (6.4%) $317,631 (8.1%) 0.00 504
    2018-03-01 $294,990 (5.0%) $320,228 (4.4%) 0.00 548
    2018-04-01 $299,900 (7.1%) $326,879 (5.3%) 0.00 596
    2018-05-01 $299,990 (2.1%) $331,302 (3.2%) 0.00 640
    2018-06-01 $299,900 (0.6%) $325,643 (0.8%) 0.00 690
    2018-07-01 $298,468 (3.5%) $321,983 (3.6%) 0.00 730
    2018-08-01 $290,000 (0.3%) $316,912 (2.5%) 0.00 741
    2018-09-01 $279,500 (-3.0%) $311,418 (-0.5%) 0.00 751
    2018-10-01 $279,700 (-4.4%) $316,157 (1.4%) 0.00 729
    2018-11-01 $287,372 (2.1%) $319,358 (1.8%) 0.00 727
    2018-12-01 $289,900 (5.4%) $319,735 (4.5%) 0.00 663
    2019-01-01 $289,900 (3.5%) $318,070 (2.2%) 0.00 566
    2019-02-01 $297,473 (2.8%) $323,036 (1.7%) 0.00 569
    2019-03-01 $299,514 (1.5%) $328,334 (2.5%) 0.00 599
    2019-04-01 $299,064 (-0.3%) $331,642 (1.5%) 0.00 641
    2019-05-01 $302,990 (1.0%) $342,919 (3.5%) 0.00 621
    2019-06-01 $299,000 (-0.3%) $342,852 (5.3%) 0.00 644
    2019-07-01 $302,250 (1.3%) $341,251 (6.0%) 0.00 643
    2019-08-01 $299,984 (3.4%) $339,809 (7.2%) 0.00 654
    2019-09-01 $299,962 (7.3%) $338,276 (8.6%) 0.00 671
    2019-10-01 $302,097 (8.0%) $337,528 (6.8%) 0.00 678
    2019-11-01 $299,000 (4.1%) $333,642 (4.5%) 0.00 628
    2019-12-01 $299,450 (3.3%) $334,620 (4.7%) 0.00 569
    2020-01-01 $294,950 (1.7%) $334,474 (5.2%) 0.00 523
    2020-02-01 $299,850 (0.8%) $339,452 (5.1%) 0.00 495
    2020-03-01 $302,500 (1.0%) $344,457 (4.9%) 0.00 501
    2020-04-01 $303,248 (1.4%) $348,295 (5.0%) 0.00 505
    2020-05-01 $317,990 (5.0%) $354,356 (3.3%) 0.00 500
    2020-06-01 $327,230 (9.4%) $369,339 (7.7%) 0.00 436
    2020-07-01 $315,498 (4.4%) $370,334 (8.5%) 0.00 375
    2020-08-01 $330,990 (10.3%) $393,074 (15.7%) 0.00 308
    2020-09-01 $328,748 (9.6%) $392,646 (16.1%) 0.00 262
    2020-10-01 $299,900 (-0.7%) $387,350 (14.8%) 0.00 252
    2020-11-01 $299,950 (0.3%) $400,040 (19.9%) 0.00 240
    2020-12-01 $309,925 (3.5%) $408,988 (22.2%) 0.00 206
    2021-01-01 $329,900 (11.9%) $408,074 (22.0%) 0.00 171
    2021-02-01 $333,450 (11.2%) $407,939 (20.2%) 0.00 142
    2021-03-01 $369,450 (22.1%) $415,517 (20.6%) 0.00 162
    2021-04-01 $373,881 (23.3%) $411,952 (18.3%) 0.00 196
    2021-05-01 $389,900 (22.6%) $415,626 (17.3%) 0.00 206
    2021-06-01 $389,900 (19.2%) $429,979 (16.4%) 0.00 240
    2021-07-01 $379,900 (20.4%) $433,701 (17.1%) 0.00 268
    2021-08-01 $393,450 (18.9%) $439,561 (11.8%) 0.00 274
    2021-09-01 $367,000 (11.6%) $418,165 (6.5%) 0.00 291
    2021-10-01 $359,900 (20.0%) $424,335 (9.6%) 0.00 272
    2021-11-01 $362,250 (20.8%) $427,633 (6.9%) 0.00 250
    2021-12-01 $377,450 (21.8%) $434,304 (6.2%) 0.00 219
    2022-01-01 $410,000 (24.3%) $457,143 (12.0%) 0.00 150
    2022-02-01 $399,200 (19.7%) $452,347 (10.9%) 0.00 138
    2022-03-01 $378,448 (2.4%) $436,417 (5.0%) 0.00 159
    2022-04-01 $389,950 (4.3%) $463,059 (12.4%) 0.00 173
    2022-05-01 $428,500 (9.9%) $483,592 (16.4%) 0.00 217
    2022-06-01 $434,200 (11.4%) $488,686 (13.7%) 0.00 262
    2022-07-01 $425,000 (11.9%) $480,230 (10.7%) 0.00 307
    2022-08-01 $407,473 (3.6%) $465,439 (5.9%) 0.00 331
    2022-09-01 $409,250 (11.5%) $467,319 (11.8%) 0.00 337
    2022-10-01 $404,495 (12.4%) $456,526 (7.6%) 0.00 340
    2022-11-01 $392,475 (8.3%) $448,246 (4.8%) 0.00 326
    2022-12-01 $407,495 (8.0%) $452,426 (4.2%) 0.00 293
    2023-01-01 $419,000 (2.2%) $457,625 (0.1%) 0.00 270
    2023-02-01 $426,225 (6.8%) $464,691 (2.7%) 0.00 245
    2023-03-01 $419,945 (11.0%) $458,119 (5.0%) 0.00 234
    2023-04-01 $419,990 (7.7%) $478,199 (3.3%) 0.00 229
    2023-05-01 $436,970 (2.0%) $486,194 (0.5%) 0.00 239
    2023-06-01 $444,675 (2.4%) $483,498 (-1.1%) 0.00 248
    2023-07-01 $429,000 (0.9%) $461,912 (-3.8%) 0.00 262
    2023-08-01 $419,498 (3.0%) $457,850 (-1.6%) 0.00 281
    2023-09-01 $420,000 (2.6%) $466,238 (-0.2%) 0.00 298
    2023-10-01 $412,029 (1.9%) $473,188 (3.7%) 0.00 321
    2023-11-01 $409,055 (4.2%) $476,766 (6.4%) 0.00 315
    2023-12-01 $420,075 (3.1%) $484,815 (7.2%) 0.00 256
    2024-01-01 $429,900 (2.6%) $489,299 (6.9%) 0.00 228
    2024-02-01 $436,950 (2.5%) $531,831 (14.5%) 0.00 185
    2024-03-01 $450,000 (7.2%) $544,019 (18.8%) 0.00 220
    2024-04-01 $455,000 (8.3%) $558,239 (16.7%) 0.00 261
    2024-05-01 $471,013 (7.8%) $552,588 (13.7%) 0.00 289
    2024-06-01 $459,900 (3.4%) $535,501 (10.8%) 0.00 315
    2024-07-01 $439,971 (2.6%) $522,957 (13.2%) 0.00 337
    2024-08-01 $440,000 (4.9%) $510,638 (11.5%) 0.00 355
    2024-09-01 $447,625 (6.6%) $518,844 (11.3%) 0.00 369
    2024-10-01 $449,950 (9.2%) $518,098 (9.5%) 0.00 372
    2024-11-01 $432,950 (5.8%) $502,900 (5.5%) 0.00 339
    2024-12-01 $442,000 (5.2%) $513,423 (5.9%) 0.00 296
    2025-01-01 $434,000 (1.0%) $513,405 (4.9%) 0.00 265
    2025-02-01 $453,595 (3.8%) $531,891 (0.0%) 0.00 262
    2025-03-01 $449,900 (0.0%) $528,989 (-2.8%) 0.00 316
    2025-04-01 $467,450 (2.7%) $537,917 (-3.6%) 0.00 348
    Winchester's median listing price for 2025-04-01 was $467,450, a difference of $12,450 (2.7%) versus the prior year and $17,550 versus the prior month.

    Winchester's median listing price comes in at 0% of the national average.

    Winchester's average listing price for 2025-04-01 was $537,917, a difference of $-20,322 (-3.6%) versus the prior year and $8,928 versus the prior month.

    For the 2025-04-01 period, Winchester had 348 MLS listings, a difference of 32 listings (10%) versus the prior month and 87 listings (33%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Winchester (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,968 sqft
    2018-02-01 0 days 2,001 sqft
    2018-03-01 0 days 2,059 sqft
    2018-04-01 0 days 2,048 sqft
    2018-05-01 0 days 2,073 sqft
    2018-06-01 0 days 2,132 sqft
    2018-07-01 0 days 2,112 sqft
    2018-08-01 0 days 2,113 sqft
    2018-09-01 0 days 2,100 sqft
    2018-10-01 0 days 2,111 sqft
    2018-11-01 0 days 2,143 sqft
    2018-12-01 0 days 2,103 sqft
    2019-01-01 0 days 2,095 sqft
    2019-02-01 0 days 2,105 sqft
    2019-03-01 0 days 2,133 sqft
    2019-04-01 0 days 2,111 sqft
    2019-05-01 0 days 2,135 sqft
    2019-06-01 0 days 2,100 sqft
    2019-07-01 0 days 2,128 sqft
    2019-08-01 0 days 2,143 sqft
    2019-09-01 0 days 2,132 sqft
    2019-10-01 0 days 2,125 sqft
    2019-11-01 0 days 2,100 sqft
    2019-12-01 0 days 2,090 sqft
    2020-01-01 0 days 2,057 sqft
    2020-02-01 0 days 2,096 sqft
    2020-03-01 0 days 2,103 sqft
    2020-04-01 0 days 2,089 sqft
    2020-05-01 0 days 2,148 sqft
    2020-06-01 0 days 2,126 sqft
    2020-07-01 0 days 2,091 sqft
    2020-08-01 0 days 2,081 sqft
    2020-09-01 0 days 2,008 sqft
    2020-10-01 0 days 1,932 sqft
    2020-11-01 0 days 1,903 sqft
    2020-12-01 0 days 1,883 sqft
    2021-01-01 0 days 1,884 sqft
    2021-02-01 0 days 1,850 sqft
    2021-03-01 0 days 1,937 sqft
    2021-04-01 0 days 1,968 sqft
    2021-05-01 0 days 2,032 sqft
    2021-06-01 0 days 1,998 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 2,020 sqft
    2021-09-01 0 days 1,987 sqft
    2021-10-01 0 days 1,922 sqft
    2021-11-01 0 days 1,926 sqft
    2021-12-01 0 days 1,927 sqft
    2022-01-01 0 days 2,052 sqft
    2022-02-01 0 days 2,043 sqft
    2022-03-01 0 days 1,965 sqft
    2022-04-01 0 days 2,052 sqft
    2022-05-01 0 days 2,166 sqft
    2022-06-01 0 days 2,212 sqft
    2022-07-01 0 days 2,180 sqft
    2022-08-01 0 days 2,172 sqft
    2022-09-01 0 days 2,156 sqft
    2022-10-01 0 days 2,052 sqft
    2022-11-01 0 days 2,025 sqft
    2022-12-01 0 days 2,045 sqft
    2023-01-01 0 days 2,052 sqft
    2023-02-01 0 days 2,019 sqft
    2023-03-01 0 days 2,044 sqft
    2023-04-01 0 days 2,042 sqft
    2023-05-01 0 days 2,174 sqft
    2023-06-01 0 days 2,208 sqft
    2023-07-01 0 days 2,100 sqft
    2023-08-01 0 days 2,053 sqft
    2023-09-01 0 days 2,052 sqft
    2023-10-01 0 days 1,991 sqft
    2023-11-01 0 days 2,006 sqft
    2023-12-01 0 days 2,023 sqft
    2024-01-01 0 days 1,998 sqft
    2024-02-01 0 days 2,007 sqft
    2024-03-01 0 days 2,064 sqft
    2024-04-01 0 days 2,125 sqft
    2024-05-01 0 days 2,159 sqft
    2024-06-01 0 days 2,200 sqft
    2024-07-01 0 days 2,099 sqft
    2024-08-01 0 days 2,101 sqft
    2024-09-01 0 days 2,078 sqft
    2024-10-01 0 days 2,063 sqft
    2024-11-01 0 days 2,052 sqft
    2024-12-01 0 days 2,052 sqft
    2025-01-01 0 days 2,008 sqft
    2025-02-01 0 days 2,005 sqft
    2025-03-01 0 days 2,017 sqft
    2025-04-01 0 days 2,079 sqft
    Winchester's median listing age (time on market) for 2025-04-01 was 0 days.

    Winchester's median square footage for active listings during the 2025-04-01 period was 2,079 sqft. One year prior, the average listing was 2,125 sqft.

    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.