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.