WINCHESTER Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Winchester averaged
6.46%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.56% and
one month ago for the week of 2025-05-29, the
average rate was 6.98%.
Winchester's average rate one year ago was 6.75%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.72%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Winchester 30 Year Fixed Rate | 2025-07-03 | 6.46% |
| Winchester 30 Year Fixed Rate Refi | 2025-07-03 | 6.72% |
| Winchester 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| Winchester 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Winchester 30 Year FHA | 2025-07-03 | 0.05% |
| Winchester 30 Year FHA Refi | 2025-07-03 | 0% |
| Winchester 30 Year USDA | 2025-07-03 | 0.1% |
| Winchester 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Winchester 30 Year VA | 2025-07-03 | -0.05% |
| Winchester 30 Year VA Refi | 2025-07-03 | -0.42% |
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.).
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.