WINCHESTER Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Winchester averaged 6.7% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 7.03% and one month ago for the week of 2025-05-15, the average rate was 6.7%.

Winchester's average rate one year ago was 7.04%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.36%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Winchester 30 Year Fixed Rate 2025-06-18 6.7%
Winchester 30 Year Fixed Rate Refi 2025-06-18 7.36%
Winchester 15 Year Fixed Rate 2025-06-18 5.96%
Winchester 15 Year Fixed Rate Refi 2025-06-18 6.46%
Winchester 30 Year FHA 2025-06-18 0.05%
Winchester 30 Year FHA Refi 2025-06-18 0%
Winchester 30 Year USDA 2025-06-18 -0.1%
Winchester 30 Year USDA Refi 2025-06-18 0%
Winchester 30 Year VA 2025-06-18 0.15%
Winchester 30 Year VA Refi 2025-06-18 -0.82%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within WINCHESTER, VA-WV.

WINCHESTER Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the WINCHESTER, VA-WV market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 127 6.70% $6,728
Integrity Home Mortgage Corp 104 6.94% $7,709
NVR Mortgage Finance, Inc. 78 6.89% $5,203
NAVY FEDERAL CREDIT UNION 75 6.33% $4,143
HOMEAMERICAN MORTGAGE CORPORATION 58 6.00% $1,645
GSF Mortgage Corporation 57 6.66% $8,790
DHI MORTGAGE COMPANY, LTD. 52 5.92% $4,362
UNITED WHOLESALE MORTGAGE, LLC 50 6.74% $9,038
INTERCOASTAL MORTGAGE COMPANY 40 6.54% $7,617
Atlantic Coast Mortgage, LLC 37 6.69% $6,285
HOMESPIRE MORTGAGE CORPORATION 37 6.83% $8,773
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 25 6.89% $5,588
CMG MORTGAGE, INC. 21 6.59% $6,646
Shea Mortgage Inc. 19 6.69% $368
EAGLE HOME MORTGAGE, LLC 19 6.01% $6,410
PRIMELENDING, A PLAINSCAPITAL COMPANY 19 6.61% $6,414
Truist 18 6.71% $4,844
Prosperity Home Mortgage, LLC 16 6.89% $6,568
GUILD MORTGAGE COMPANY 16 6.67% $7,184
MOVEMENT MORTGAGE, LLC 15 6.71% $6,724
CROSSCOUNTRY MORTGAGE, LLC 14 7.02% $6,638
MILLENNIUM FINANCIAL GROUP, INC. 14 6.60% $5,803
Wells Fargo Bank 14 6.67% $5,047
NFM, INC. 14 7.13% $7,391
City Lending Inc. 13 8.30% $12,546
LOANDEPOT.COM, LLC 12 6.75% $6,363
First Heritage Mortgage, LLC 9 6.50% $5,070
EVERETT FINANCIAL, INC. 8 7.23% $6,763
Ameris Bank 8 6.44% $7,916
City National Bank of West Virginia 7 6.64% $2,300
Paramount Residential Mortgage Group, Inc. 7 6.71% $10,619
USAA Federal Savings Bank 7 6.95% $4,132
JPMorgan Chase Bank 7 6.89% $10,067
Mr. Cooper ( Nationstar Mortgage ) 7 6.67% $7,425
Century Mortgage Company DBA Century Lending Company 7 6.87% $3,705
EMBRACE HOME LOANS, INC. 7 6.73% $7,633
Apple Federal Credit Union 7 6.30% $3,774
Bank of America 6 6.31% $5,302
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.83% $6,649
PENTAGON FEDERAL CREDIT UNION 6 6.54% $6,511
F & M BANK CORP. 6 6.65% $6,916
FIRST SAVINGS MORTGAGE CORPORATION 6 7.02% $7,227
Alcova Mortgage LLC 6 7.14% $3,566
GUARANTEED RATE AFFINITY, LLC 6 6.86% $6,927
UNION HOME MORTGAGE CORP. 5 6.60% $8,945
BROKER SOLUTIONS, INC. 5 6.93% $8,561
Atlantic Union Bank 5 6.63% $4,493
The Loan Store, Inc. 5 6.27% $8,208
HOMESIDE FINANCIAL, LLC 5 7.32% $5,078
NEWREZ LLC 4 6.15% $8,629
CANOPY MORTGAGE, LLC 4 6.84% $12,109
C & F Mortgage Corporation 4 6.88% $8,399
BAY EQUITY LLC 4 6.56% $6,067
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 7.00% $9,019
TIDEWATER MORTGAGE SERVICES, INC. 4 6.59% $5,158
United Bank 4 6.31% $5,557
OCMBC, INC. 4 8.22% $12,763
First National Bank of Pennsylvania 4 6.59% $5,275
Flagstar Bank, FSB 4 7.00% $6,477
FREEDOM MORTGAGE CORPORATION 4 6.34% $7,404
Northwest Federal Credit Union 4 6.81% $3,503
MORIA DEVELOPMENT, INC. 4 7.22% $5,206
JAMS-01, INC. 4 6.56% $7,151
Morgan Stanley Private Bank 3 6.03% $5,436
Waterstone Mortgage Corporation 3 6.91% $5,269
Virginia Credit Union, Inc. 3 6.54% $5,137
CARDINAL FINANCIAL 3 6.54% $7,465
Clear Mountain Bank 3 7.04% $4,813
First National Bank of America 3 8.87% $13,763
BETTER MORTGAGE CORPORATION 3 5.88% $17,073
FIRST HOME MORTGAGE CORPORATION 3 7.41% $6,348
PENNYMAC LOAN SERVICES, LLC 3 6.54% $8,246
ZILLOW HOME LOANS, LLC 2 6.44% $3,708
American Mortgage & Equity Consultants, Inc. 2 7.12% $13,099
ARC HOME LLC 2 7.06% $5,670
Bank-Fund Staff Federal Credit Union 2 6.00% $5,354
Bethpage Federal Credit Union 2 6.44% $4,555
Burke & Herbert Bank & Trust Company 2 6.97% $4,802
CAPITAL CENTER, L.L.C. 2 6.31% $0
Citadel Servicing Corporation 2 9.06% $11,691
Discover Bank 2 7.65% $0
First-Citizens Bank & Trust Company 2 6.39% $7,561
Fulton Bank 2 7.38% $4,571
MidAtlantic Farm Credit, ACA 2 6.90% $4,209
Mortgage Research Center, LLC 2 6.63% $5,589
NASA Federal Credit Union 2 7.19% $6,080
NBKC BANK 2 6.88% $3,679
NP, Inc. 2 9.69% $5,209
PHH Mortgage Corporation 2 7.00% $6,262
PLAZA HOME MORTGAGE, INC. 2 6.63% $6,504
Presidential Bank, FSB 2 6.88% $7,877
RELIANCE FIRST CAPITAL, LLC 2 6.88% $6,597
Sierra Pacific Mortgage Company, Inc. 2 7.19% $8,934
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 2 6.69% $3,859
Summit Community Bank, Inc. 2 7.83% $4,169
U.S. Bank 2 6.50% $3,980
M&T Bank 1 7.50% $6,529
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $6,212
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 7.38% $7,080
ITHINK FINANCIAL Credit Union 1 7.25% $5,625
AMERICAN FINANCIAL NETWORK, INC. 1 7.50% $8,366
NETWORK CAPITAL FUNDING CORPORATION 1 6.63% $21,730
HOMEXPRESS MORTGAGE CORP. 1 7.38% $9,066
NEW WAVE LENDING GROUP INC 1 7.00% $9,998
HARTFORD FUNDING, LTD. 1 6.63% $5,462
GUARANTEED RATE, INC. 1 6.50% $8,197
Acre Mortgage and Financial Inc 1 6.38% $9,995
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.63% $3,495
OAKTREE FUNDING CORP. 1 6.50% $34,728
OceanFirst Bank 1 6.13% $7,720
FIRST HERITAGE FINANCIAL, LLC 1 6.13% $5,413
FIRST BANCORP 1 7.99% $8,461
Equity Prime Mortgage LLC 1 7.13% $5,157
DIRECT MORTGAGE LOANS, LLC 1 7.13% $9,287
Vellum Mortgage, Inc. 1 6.88% $6,995
Plains Commerce Bank 1 6.13% $10,506
PLANET HOME LENDING, LLC 1 7.00% $4,722
VILLAGE BANK MORTGAGE CORPORATION 1 5.63% $3,941
PNC Bank 1 6.00% $3,990
PREMIA MORTGAGE, LLC 1 6.13% $605
Ally Bank 1 7.63% $2,778
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.88% $4,594
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.75% $5,340
CHURCHILL MORTGAGE CORPORATION 1 6.75% $6,555
Carrington Mortgage Services, LLC 1 6.25% $10,999
Quontic Bank 1 8.63% $13,875
ALLIANT CREDIT UNION 1 6.88% $3,924
Sandy Spring Bank 1 6.63% $12,680
SeaTrust Mortgage Company 1 7.63% $10,218
Blue Ridge Bank 1 6.63% $7,510
Shore United Bank 1 7.63% $5,301
A&D Mortgage LLC 1 8.49% $10,104
Simmons Bank 1 6.63% $4,417
WesBanco 1 6.75% $9,727
Stifel Bank and Trust 1 6.50% $4,340
Strong Home Mortgage, LLC 1 6.62% $3,808
SUCCESS MORTGAGE PARTNERS, INC. 1 6.50% $10,525
York Traditions Bank 1 6.75% $2,817
SUN WEST MORTGAGE COMPANY, INC. 1 7.00% $7,039
SWBC MORTGAGE CORPORATION 1 6.13% $0
T2 FINANCIAL LLC 1 7.13% $6,601
TD Bank 1 6.50% $3,941
The Central Trust Bank 1 6.49% $4,027
The Federal Savings Bank 1 8.13% $6,521
The Freedom Bank of Virginia 1 5.75% $8,785
Bank of Clarke County 1 7.13% $4,011
Arvest Bank 1 7.00% $5,091
Towne Bank 1 6.88% $5,033
TOWNE MORTGAGE COMPANY 1 6.63% $8,461
ANDREWS FEDERAL CREDIT UNION 1 5.50% $4,676
Luxury Mortgage Corp. 1 9.75% $23,326
Meridian Bank Corporation 1 6.12% $6,957
AMERISAVE MORTGAGE CORPORATION 1 6.63% $9,939
MID-ISLAND MORTGAGE CORP. 1 7.13% $10,099
LOANPAL, LLC 1 6.88% $3,735
MK LENDING CORP. 1 6.50% $12,493
LENOX FINANCIAL MORTGAGE CORPORATION 1 5.75% $7,365
LENDSURE MORTGAGE CORP. 1 8.75% $18,367
MORTGAGE ACCESS CORP. 1 7.13% $3,715
MORTGAGE INVESTORS GROUP, INC. 1 6.99% $3,949
American Security Mortgage Corp. 1 7.50% $4,176
Keystone Funding, Inc. 1 7.88% $6,848
Ixonia Bank 1 6.13% $3,978

WINCHESTER Average Closing Costs & Other Stats

WINCHESTER, VA-WV's 163 lenders originated 3,725 loans during 2024. The total origination value was $1,046,905,000, with an average loan value of $281,048.

WINCHESTER's average closing costs are $6,103.

The top WINCHESTER lender as defined by loan originations is QUICKEN LOANS, LLC, with 127 loans originated. Their average total fees are $6,728, which is $981 lower than the next largest lender, Integrity Home Mortgage Corp.

The lowest fee WINCHESTER lenders (with over 10 loans originated) are Shea Mortgage Inc. ($368), HOMEAMERICAN MORTGAGE CORPORATION ($1,645), NAVY FEDERAL CREDIT UNION ($4,143), DHI MORTGAGE COMPANY, LTD. ($4,362) and Truist ($4,844).

The lowest rate WINCHESTER lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.92%), HOMEAMERICAN MORTGAGE CORPORATION (6.00%), EAGLE HOME MORTGAGE, LLC (6.01%), NAVY FEDERAL CREDIT UNION (6.33%) and INTERCOASTAL MORTGAGE COMPANY (6.54%).

WINCHESTER, VA-WV Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
QUICKEN LOANS, LLC $46,705,000 $65,140,000 39.5% 6.2%
DHI MORTGAGE COMPANY, LTD. $16,670,000 $59,060,000 254.3% 5.6%
Integrity Home Mortgage Corp $51,145,000 $50,410,000 -1.4% 4.8%
NAVY FEDERAL CREDIT UNION $31,045,000 $47,025,000 51.5% 4.5%
UNITED WHOLESALE MORTGAGE, LLC $37,620,000 $43,355,000 15.2% 4.1%
HOMEAMERICAN MORTGAGE CORPORATION $17,240,000 $38,760,000 124.8% 3.7%
GSF Mortgage Corporation $14,960,000 $35,105,000 134.7% 3.4%
NVR Mortgage Finance, Inc. $29,385,000 $31,680,000 7.8% 3.0%
INTERCOASTAL MORTGAGE COMPANY $18,460,000 $25,035,000 35.6% 2.4%
Atlantic Coast Mortgage, LLC $23,590,000 $23,020,000 -2.4% 2.2%
HOMESPIRE MORTGAGE CORPORATION $12,235,000 $22,180,000 81.3% 2.1%
LOANDEPOT.COM, LLC $16,830,000 $18,235,000 8.3% 1.7%
NORTHMARQ CAPITAL FINANCE, L.L.C. $18,185,000 n/a 1.7%
Mortgage Research Center, LLC $9,135,000 $17,415,000 90.6% 1.7%
Bank of Clarke County $18,950,000 $16,605,000 -12.4% 1.6%
Truist $21,585,000 $16,210,000 -24.9% 1.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,800,000 $15,905,000 -10.6% 1.5%
FREEDOM MORTGAGE CORPORATION $6,115,000 $14,935,000 144.2% 1.4%
MOVEMENT MORTGAGE, LLC $15,885,000 $13,420,000 -15.5% 1.3%
GUILD MORTGAGE COMPANY $7,080,000 $12,985,000 83.4% 1.2%
EAGLE HOME MORTGAGE, LLC $33,670,000 $12,960,000 -61.5% 1.2%
CMG MORTGAGE, INC. $7,955,000 $12,795,000 60.8% 1.2%
First Bank $11,460,000 $11,785,000 2.8% 1.1%
Apple Federal Credit Union $9,685,000 $11,320,000 16.9% 1.1%
Shea Mortgage Inc. $11,200,000 $10,650,000 -4.9% 1.0%
PENNYMAC LOAN SERVICES, LLC $4,280,000 $10,295,000 140.5% 1.0%
City Lending Inc. $9,980,000 n/a 1.0%
Prosperity Home Mortgage, LLC $9,310,000 $9,925,000 6.6% 0.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $4,435,000 $8,825,000 99.0% 0.8%
City National Bank of West Virginia $6,880,000 $8,510,000 23.7% 0.8%
NFM, INC. $5,590,000 $8,265,000 47.9% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $2,405,000 $8,170,000 239.7% 0.8%
NEWREZ LLC $5,050,000 $7,325,000 45.0% 0.7%
Bank of Romney $7,585,000 $6,695,000 -11.7% 0.6%
First Heritage Mortgage, LLC $2,840,000 $6,615,000 132.9% 0.6%
USAA Federal Savings Bank $4,405,000 $6,530,000 48.2% 0.6%
HOMESIDE FINANCIAL, LLC $2,390,000 $5,920,000 147.7% 0.6%
FNB Bank, Inc. $12,085,000 $5,885,000 -51.3% 0.6%
Wells Fargo Bank $5,715,000 $5,565,000 -2.6% 0.5%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $5,590,000 $5,465,000 -2.2% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $4,475,000 $5,295,000 18.3% 0.5%
F & M BANK CORP. $4,800,000 $5,205,000 8.4% 0.5%
JPMorgan Chase Bank $1,375,000 $5,060,000 268.0% 0.5%
United Bank $2,810,000 $4,865,000 73.1% 0.5%
TIDEWATER MORTGAGE SERVICES, INC. $6,215,000 $4,855,000 -21.9% 0.5%
Capon Valley Bank $4,765,000 $4,790,000 0.5% 0.5%
PENTAGON FEDERAL CREDIT UNION $4,400,000 $4,625,000 5.1% 0.4%
Bank of Charles Town $1,220,000 $4,545,000 272.5% 0.4%
EVERETT FINANCIAL, INC. $265,000 $4,355,000 1,543.4% 0.4%
Century Mortgage Company DBA Century Lending Company $910,000 $4,340,000 376.9% 0.4%
UNION HOME MORTGAGE CORP. $2,815,000 $4,270,000 51.7% 0.4%
Alcova Mortgage LLC $4,720,000 $4,180,000 -11.4% 0.4%
Paramount Residential Mortgage Group, Inc. $4,115,000 n/a 0.4%
JAMS-01, INC. $4,260,000 $4,090,000 -4.0% 0.4%
EMBRACE HOME LOANS, INC. $6,785,000 $4,015,000 -40.8% 0.4%
BROKER SOLUTIONS, INC. $1,315,000 $3,915,000 197.7% 0.4%
MILLENNIUM FINANCIAL GROUP, INC. $1,645,000 $3,795,000 130.7% 0.4%
Bank of America $1,845,000 $3,700,000 100.5% 0.4%
Capital Bank $1,245,000 $3,620,000 190.8% 0.3%
LENDINGONE, LLC $460,000 $3,400,000 639.1% 0.3%
Northwest Federal Credit Union $2,430,000 $3,400,000 39.9% 0.3%
Ameris Bank $2,370,000 $3,395,000 43.2% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $3,265,000 $3,350,000 2.6% 0.3%
Vellum Mortgage, Inc. $5,015,000 $3,180,000 -36.6% 0.3%
First National Bank of Pennsylvania $1,805,000 $3,145,000 74.2% 0.3%
LAKEVIEW LOAN SERVICING, LLC $755,000 $3,130,000 314.6% 0.3%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $395,000 $2,895,000 632.9% 0.3%
The Loan Store, Inc. $2,765,000 n/a 0.3%
FIRST SAVINGS MORTGAGE CORPORATION $2,915,000 $2,755,000 -5.5% 0.3%
Flagstar Bank, FSB $1,495,000 $2,710,000 81.3% 0.3%
GUARANTEED RATE AFFINITY, LLC $1,715,000 $2,690,000 56.9% 0.3%
MORIA DEVELOPMENT, INC. $2,685,000 n/a 0.3%
Morgan Stanley Private Bank $910,000 $2,575,000 183.0% 0.2%
PHH Mortgage Corporation $105,000 $2,560,000 2,338.1% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $2,230,000 $2,510,000 12.6% 0.2%
CARDINAL FINANCIAL $1,740,000 $2,500,000 43.7% 0.2%
Atlantic Union Bank $390,000 $2,450,000 528.2% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $715,000 $2,415,000 237.8% 0.2%
OCMBC, INC. $885,000 $2,380,000 168.9% 0.2%
BAY EQUITY LLC $1,215,000 $2,345,000 93.0% 0.2%
FIRST HOME MORTGAGE CORPORATION $1,435,000 $2,305,000 60.6% 0.2%
CANOPY MORTGAGE, LLC $2,300,000 n/a 0.2%
VILLAGE CAPITAL MORTGAGE $1,400,000 $2,255,000 61.1% 0.2%
Waterstone Mortgage Corporation $370,000 $2,245,000 506.8% 0.2%
Burke & Herbert Bank & Trust Company $1,205,000 $2,180,000 80.9% 0.2%
Summit Community Bank, Inc. $6,305,000 $2,085,000 -66.9% 0.2%
First-Citizens Bank & Trust Company $1,535,000 $2,040,000 32.9% 0.2%
M&T Bank $1,335,000 $1,975,000 47.9% 0.2%
GUARANTEED RATE, INC. $3,540,000 $1,935,000 -45.3% 0.2%
PLAZA HOME MORTGAGE, INC. $255,000 $1,935,000 658.8% 0.2%
Discover Bank $1,895,000 $1,865,000 -1.6% 0.2%
Citizens Bank $1,720,000 $1,850,000 7.6% 0.2%
CNB Bank Inc. $1,310,000 $1,845,000 40.8% 0.2%
Carrington Mortgage Services, LLC $2,470,000 $1,785,000 -27.7% 0.2%
BETTER MORTGAGE CORPORATION $680,000 $1,750,000 157.4% 0.2%
MidAtlantic Farm Credit, ACA $4,540,000 $1,720,000 -62.1% 0.2%
Virginia Credit Union, Inc. $1,305,000 $1,650,000 26.4% 0.2%
Pendleton Community Bank, Inc. $715,000 $1,620,000 126.6% 0.2%
TOWER $455,000 $1,590,000 249.5% 0.2%
U.S. Bank $2,330,000 $1,585,000 -32.0% 0.2%
FIRST BANCORP $33,295,000 $1,540,000 -95.4% 0.1%
TD Bank $920,000 $1,540,000 67.4% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $295,000 $1,525,000 416.9% 0.1%
American Mortgage & Equity Consultants, Inc. $1,510,000 n/a 0.1%
PNC Bank $3,290,000 $1,510,000 -54.1% 0.1%
ZILLOW HOME LOANS, LLC $255,000 $1,435,000 462.7% 0.1%
The Federal Savings Bank $2,935,000 $1,430,000 -51.3% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,420,000 n/a 0.1%
PLANET HOME LENDING, LLC $1,390,000 $1,405,000 1.1% 0.1%
Lakeview Community Capital, LLC $160,000 $1,395,000 771.9% 0.1%
MILEND, INC. $1,210,000 $1,395,000 15.3% 0.1%
First National Bank of America $2,100,000 $1,375,000 -34.5% 0.1%
RELIANCE FIRST CAPITAL, LLC $595,000 $1,345,000 126.1% 0.1%
C & F Mortgage Corporation $1,145,000 $1,335,000 16.6% 0.1%
FINANCE OF AMERICA REVERSE LLC $1,635,000 $1,260,000 -22.9% 0.1%
Fulton Bank $885,000 $1,235,000 39.5% 0.1%
ALLIANT CREDIT UNION $450,000 $1,225,000 172.2% 0.1%
MORTGAGE ACCESS CORP. $1,275,000 $1,225,000 -3.9% 0.1%
Figure Lending LLC $1,100,000 $1,175,000 6.8% 0.1%
NBKC BANK $1,135,000 n/a 0.1%
FIDELITY DIRECT MORTGAGE, LLC $530,000 $1,130,000 113.2% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,290,000 $1,115,000 -13.6% 0.1%
Home Mortgage Alliance Corp $1,115,000 n/a 0.1%
First Federal Bank $375,000 $1,080,000 188.0% 0.1%
Presidential Bank, FSB $2,025,000 $1,075,000 -46.9% 0.1%
Strong Home Mortgage, LLC $1,070,000 n/a 0.1%
United Nations Federal Credit Union $2,480,000 $1,055,000 -57.5% 0.1%
Clear Mountain Bank $285,000 $1,050,000 268.4% 0.1%
CALCON MUTUAL MORTGAGE LLC $1,025,000 n/a 0.1%
Citadel Servicing Corporation $1,020,000 n/a 0.1%
CAPITAL CENTER, L.L.C. $405,000 $1,010,000 149.4% 0.1%
OAKTREE FUNDING CORP. $1,005,000 n/a 0.1%
LOANPAL, LLC $955,000 $990,000 3.7% 0.1%
NATIONS DIRECT MORTGAGE, LLC $855,000 $935,000 9.4% 0.1%
Pinnacle Bank $485,000 $925,000 90.7% 0.1%
Sandy Spring Bank $1,110,000 $915,000 -17.6% 0.1%
Blue Ridge Bank $1,315,000 $905,000 -31.2% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,120,000 $900,000 -19.6% 0.1%
TOWNE MORTGAGE COMPANY $900,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $915,000 $895,000 -2.2% 0.1%
ARC HOME LLC $500,000 $875,000 75.0% 0.1%
INTELLILOAN, INC. $870,000 n/a 0.1%
AMERISAVE MORTGAGE CORPORATION $1,620,000 $850,000 -47.5% 0.1%
UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION,INC. $845,000 n/a 0.1%
Bethpage Federal Credit Union $55,000 $835,000 1,418.2% 0.1%
Equity Prime Mortgage LLC $520,000 $835,000 60.6% 0.1%
Luxury Mortgage Corp. $835,000 n/a 0.1%
Renasant Bank $830,000 n/a 0.1%
21ST MORTGAGE CORPORATION $760,000 $820,000 7.9% 0.1%
The Grant County Bank $175,000 $815,000 365.7% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $810,000 n/a 0.1%
WesBanco $870,000 $805,000 -7.5% 0.1%
DEEPHAVEN MORTGAGE LLC $870,000 $795,000 -8.6% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $780,000 n/a 0.1%
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED $225,000 $750,000 233.3% 0.1%
LENDSURE MORTGAGE CORP. $305,000 $740,000 142.6% 0.1%
Aurora Financial, LLC $325,000 $720,000 121.5% 0.1%
The Central Trust Bank $720,000 n/a 0.1%
A&D Mortgage LLC $705,000 n/a 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $725,000 $705,000 -2.8% 0.1%
T2 FINANCIAL LLC $165,000 $700,000 324.2% 0.1%
SWBC MORTGAGE CORPORATION $2,210,000 $670,000 -69.7% 0.1%
MICHIGAN MUTUAL, INC. $165,000 $660,000 300.0% 0.1%
Credence Funding Corporation $605,000 n/a 0.1%
NP, Inc. $600,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $315,000 $580,000 84.1% 0.1%
The Freedom Bank of Virginia $235,000 $580,000 146.8% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $145,000 $570,000 293.1% 0.1%
Shore United Bank $570,000 n/a 0.1%
Stifel Bank and Trust $555,000 n/a 0.1%
Meridian Bank Corporation $470,000 $535,000 13.8% 0.1%
Bank-Fund Staff Federal Credit Union $55,000 $520,000 845.5% 0.0%
NASA Federal Credit Union $520,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $515,000 n/a 0.0%
Northpointe Bank $545,000 $515,000 -5.5% 0.0%
NEW DAY FINANCIAL, LLC $295,000 $500,000 69.5% 0.0%
AgFirst Farm Credit Bank $495,000 $495,000 0.0% 0.0%
FIRST COLONY MORTGAGE CORPORATION $495,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $190,000 $485,000 155.3% 0.0%
LENDINGHOME FUNDING CORPORATION $135,000 $470,000 248.1% 0.0%
FBC MORTGAGE, LLC $465,000 n/a 0.0%
MID-ISLAND MORTGAGE CORP. $465,000 n/a 0.0%
Towne Bank $1,055,000 $465,000 -55.9% 0.0%
NEXTMARK $525,000 $460,000 -12.4% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $445,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $450,000 $425,000 -5.6% 0.0%
ENVOY MORTGAGE, LTD $720,000 $395,000 -45.1% 0.0%
PREMIA MORTGAGE, LLC $485,000 $395,000 -18.6% 0.0%
ALLIED MORTGAGE GROUP, INC. $385,000 n/a 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $385,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $385,000 n/a 0.0%
Loan Simple, Inc. $385,000 n/a 0.0%
AMWEST FUNDING CORP. $610,000 $375,000 -38.5% 0.0%
Ixonia Bank $375,000 $375,000 0.0% 0.0%
SILVER HILL FUNDING, LLC $375,000 n/a 0.0%
SPRING EQ, LLC $255,000 $375,000 47.1% 0.0%
Quontic Bank $195,000 $370,000 89.7% 0.0%
Third Federal Savings and Loan Association of Cleveland $370,000 $365,000 -1.4% 0.0%
Barrington Bank & Trust Company, N.A. $345,000 $360,000 4.3% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $355,000 n/a 0.0%
NEW WAVE LENDING GROUP INC $155,000 $355,000 129.0% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $640,000 $345,000 -46.1% 0.0%
HARTFORD FUNDING, LTD. $335,000 n/a 0.0%
Nations Lending Corporation $335,000 $335,000 0.0% 0.0%
Plains Commerce Bank $770,000 $335,000 -56.5% 0.0%
Keystone Funding, Inc. $165,000 $325,000 97.0% 0.0%
JUSTICE Federal Credit Union $320,000 n/a 0.0%
FIRST HERITAGE FINANCIAL, LLC $315,000 n/a 0.0%
OceanFirst Bank $315,000 n/a 0.0%
Mid-Continent Funding, Inc. $310,000 n/a 0.0%
THE MORTGAGE LINK, INC. $650,000 $305,000 -53.1% 0.0%
Acre Mortgage and Financial Inc $295,000 n/a 0.0%
MK LENDING CORP. $475,000 $295,000 -37.9% 0.0%
AMERICAN HERITAGE LENDING, INC. $285,000 n/a 0.0%
CityWorth Mortgage LLC $285,000 n/a 0.0%
SeaTrust Mortgage Company $285,000 n/a 0.0%
Simmons Bank $265,000 $285,000 7.5% 0.0%
Jefferson Security Bank $290,000 $275,000 -5.2% 0.0%
SIRVA MORTGAGE, INC. $435,000 $275,000 -36.8% 0.0%
First Horizon Bank $1,500,000 $265,000 -82.3% 0.0%
VILLAGE BANK MORTGAGE CORPORATION $265,000 n/a 0.0%
Arvest Bank $255,000 n/a 0.0%
CHESSIE $15,000 $255,000 1,600.0% 0.0%
EVERENCE FEDERAL CREDIT UNION $255,000 n/a 0.0%
Ally Bank $235,000 $245,000 4.3% 0.0%
ANDREWS FEDERAL CREDIT UNION $245,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $245,000 n/a 0.0%
MLD MORTGAGE INC. $485,000 $245,000 -49.5% 0.0%
LAFAYETTE FEDERAL CREDIT UNION $230,000 n/a 0.0%
AFFORDABLE MORTGAGE ADVISORS, LLC. $225,000 n/a 0.0%
FAY SERVICING, LLC $225,000 n/a 0.0%
DIRECT MORTGAGE LOANS, LLC $215,000 n/a 0.0%
FOUNDATION MORTGAGE CORPORATION $215,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $585,000 $215,000 -63.2% 0.0%
LONGBRIDGE FINANCIAL, LLC $165,000 $215,000 30.3% 0.0%
American Security Mortgage Corp. $205,000 n/a 0.0%
MORTGAGE INVESTORS GROUP, INC. $195,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $210,000 $190,000 -9.5% 0.0%
LIMA ONE CAPITAL, LLC $565,000 $185,000 -67.3% 0.0%
RUOFF MORTGAGE COMPANY, INC. $175,000 n/a 0.0%
APL $155,000 n/a 0.0%
WEST VIRGINIA CENTRAL FEDERAL CREDIT UNION $145,000 n/a 0.0%
LANGLEY $190,000 $130,000 -31.6% 0.0%
State Department Federal Credit Union $800,000 $130,000 -83.8% 0.0%
EVANSVILLE TEACHERS $125,000 n/a 0.0%
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION $1,275,000 $125,000 -90.2% 0.0%
ITHINK FINANCIAL Credit Union $435,000 $125,000 -71.3% 0.0%
Central Bank Illinois $105,000 n/a 0.0%
GEORGIA'S OWN $105,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $105,000 n/a 0.0%
York Traditions Bank $105,000 n/a 0.0%
GTE Federal Credit Union $85,000 n/a 0.0%
Park Lane Finance Solutions, LLC $275,000 $85,000 -69.1% 0.0%
ARLINGTON COMMUNITY $85,000 $75,000 -11.8% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $75,000 n/a 0.0%
ACT 1ST FCU $70,000 n/a 0.0%
PARTNERS 1ST Federal Credit Union $65,000 n/a 0.0%
Farm Credit of the Virginias, ACA $1,375,000 $55,000 -96.0% 0.0%
Farmers Bank & Trust $55,000 n/a 0.0%
Fifth Third Bank $235,000 $55,000 -76.6% 0.0%
PATRIOT $45,000 n/a 0.0%
Coastal Community Bank $175,000 $40,000 -77.1% 0.0%
DUPONT COMMUNITY $45,000 $40,000 -11.1% 0.0%
Oak View National Bank $35,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $25,000 0.0% 0.0%

WINCHESTER's top lender by overall market share is QUICKEN LOANS, LLC, with 6.2% market share. In second place, with 5.6%, is DHI MORTGAGE COMPANY, LTD., having originated $59,060,000 in loans. In third place, with 4.8%, is Integrity Home Mortgage Corp, having originated $50,410,000 in loans. In fourth place, with 4.5%, is NAVY FEDERAL CREDIT UNION, having originated $47,025,000 in loans. In fifth place, with 4.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $43,355,000 in loans.

WINCHESTER, VA-WV Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,253 $780,825,000 $346,571
Cash Out Refi 460 $94,420,000 $205,261
Refi 355 $110,235,000 $310,521
Other 337 $30,005,000 $89,036
Home Improvement 320 $31,420,000 $98,188

Winchester's most frequently cited loan purpose was Home Purchase, with 2,253 originations. The 2nd most popular reason was Cash Out Refi, with 460 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,480 $497,120,000 $335,892
Over 8% 646 $67,730,000 $104,845
5-6% 603 $211,815,000 $351,269
7-8% 603 $174,505,000 $289,395
4-5% 74 $29,990,000 $405,270
2.5-3% 25 $3,525,000 $141,000
<2.5% 19 $395,000 $20,789
3-4% 7 $2,585,000 $369,286

During 2024, Winchester's most frequently originated rate bucket was 6-7%, with 1,480 originations.

Loan Sizing (WINCHESTER, VA-WV MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,596 $476,330,000 $298,452
$100,000 or less 717 $38,575,000 $53,801
$400k-600k 664 $313,930,000 $472,786
$100k-200k 602 $87,900,000 $146,013
$600k-1000k 133 $93,125,000 $700,188
$Over $1MM 13 $37,045,000 $2,849,615

WINCHESTER's loan sizing saw the bucket of loans from $200k-400k with 1,596 originations, totaling $476,330,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,438 $544,120,000 $378,387
60-80% 736 $254,960,000 $346,413
Under 20% 547 $30,935,000 $56,554
20-40% 357 $48,435,000 $135,672
40-60% 259 $59,925,000 $231,371
Over 100% 68 $30,940,000 $455,000

WINCHESTER's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,438 originations, totaling $544,120,000 in origination value.