WINCHESTER Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Winchester averaged
6.92%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.45% and
one month ago for the week of 2024-10-03, the
average rate was 6.15%.
Winchester's average rate one year ago was 7.49%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.42%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Winchester 30 Year Fixed Rate | 2024-11-07 | 6.92% |
| Winchester 30 Year Fixed Rate Refi | 2024-11-07 | 7.42% |
| Winchester 15 Year Fixed Rate | 2024-11-07 | 6.1% |
| Winchester 15 Year Fixed Rate Refi | 2024-11-07 | 6.4% |
| Winchester 30 Year FHA | 2024-11-07 | 6.18% |
| Winchester 30 Year FHA Refi | 2024-11-07 | 6.23% |
| Winchester 30 Year USDA | 2024-11-07 | 6.28% |
| Winchester 30 Year USDA Refi | 2024-11-07 | 6.28% |
| Winchester 30 Year VA | 2024-11-07 | 5.95% |
| Winchester 30 Year VA Refi | 2024-11-07 | 6.24% |
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 155 lenders originated 3,077
loans during 2023. The total origination value was $834,775,000, with an average loan value of
$271,295.
WINCHESTER's average closing costs are $5,835.
The top WINCHESTER lender as defined by loan originations is Integrity Home Mortgage Corp, with
91 loans originated. Their average total fees are
$8,695, which is $1,748
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee WINCHESTER lenders (with over 10 loans originated) are
Shea Mortgage Inc. ($1,103), HOMEAMERICAN MORTGAGE CORPORATION ($2,132), DHI MORTGAGE COMPANY, LTD. ($3,951), NAVY FEDERAL CREDIT UNION ($4,361) and Truist ($4,388).
The lowest rate WINCHESTER lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.76%), HOMEAMERICAN MORTGAGE CORPORATION (6.15%), Wells Fargo Bank (6.20%), NVR Mortgage Finance, Inc. (6.35%) and NAVY FEDERAL CREDIT UNION (6.41%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| Integrity Home Mortgage Corp | $71,470,000 | $51,145,000 | -28.4% | 6.1% |
| QUICKEN LOANS, LLC | $69,700,000 | $46,705,000 | -33.0% | 5.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $32,275,000 | $37,620,000 | 16.6% | 4.5% |
| EAGLE HOME MORTGAGE, LLC | $33,670,000 | n/a | 4.0% | |
| FIRST BANCORP | $33,295,000 | n/a | 4.0% | |
| NAVY FEDERAL CREDIT UNION | $45,425,000 | $31,045,000 | -31.7% | 3.7% |
| NVR Mortgage Finance, Inc. | $18,300,000 | $29,385,000 | 60.6% | 3.5% |
| Atlantic Coast Mortgage, LLC | $19,550,000 | $23,590,000 | 20.7% | 2.8% |
| Truist | $27,020,000 | $21,585,000 | -20.1% | 2.6% |
| Bank of Clarke County | $23,750,000 | $18,950,000 | -20.2% | 2.3% |
| INTERCOASTAL MORTGAGE COMPANY | $5,570,000 | $18,460,000 | 231.4% | 2.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $18,925,000 | $17,800,000 | -5.9% | 2.1% |
| HOMEAMERICAN MORTGAGE CORPORATION | $25,435,000 | $17,240,000 | -32.2% | 2.1% |
| LOANDEPOT.COM, LLC | $33,520,000 | $16,830,000 | -49.8% | 2.0% |
| DHI MORTGAGE COMPANY, LTD. | $16,670,000 | n/a | 2.0% | |
| MOVEMENT MORTGAGE, LLC | $11,065,000 | $15,885,000 | 43.6% | 1.9% |
| GSF Mortgage Corporation | $1,460,000 | $14,960,000 | 924.7% | 1.8% |
| HOMESPIRE MORTGAGE CORPORATION | $19,425,000 | $12,235,000 | -37.0% | 1.5% |
| FNB Bank, Inc. | $11,210,000 | $12,085,000 | 7.8% | 1.4% |
| First Bank | $12,525,000 | $11,460,000 | -8.5% | 1.4% |
| Shea Mortgage Inc. | $7,055,000 | $11,200,000 | 58.8% | 1.3% |
| CBM Mortgage, Inc. | $22,230,000 | $10,770,000 | -51.6% | 1.3% |
| Apple Federal Credit Union | $14,685,000 | $9,685,000 | -34.0% | 1.2% |
| Prosperity Home Mortgage, LLC | $6,100,000 | $9,310,000 | 52.6% | 1.1% |
| Mortgage Research Center, LLC | $15,030,000 | $9,135,000 | -39.2% | 1.1% |
| CMG MORTGAGE, INC. | $6,170,000 | $7,955,000 | 28.9% | 1.0% |
| Bank of Romney | $16,860,000 | $7,585,000 | -55.0% | 0.9% |
| GUILD MORTGAGE COMPANY | $10,130,000 | $7,080,000 | -30.1% | 0.8% |
| City National Bank of West Virginia | $11,330,000 | $6,880,000 | -39.3% | 0.8% |
| EMBRACE HOME LOANS, INC. | $8,340,000 | $6,785,000 | -18.6% | 0.8% |
| Summit Community Bank, Inc. | $13,985,000 | $6,305,000 | -54.9% | 0.8% |
| TIDEWATER MORTGAGE SERVICES, INC. | $4,620,000 | $6,215,000 | 34.5% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $10,285,000 | $6,115,000 | -40.5% | 0.7% |
| Wells Fargo Bank | $23,975,000 | $5,715,000 | -76.2% | 0.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,620,000 | $5,590,000 | 54.4% | 0.7% |
| NFM, INC. | $11,175,000 | $5,590,000 | -50.0% | 0.7% |
| GREYSTONE SERVICING COMPANY LLC | $5,455,000 | n/a | 0.7% | |
| George Mason Mortgage, LLC | $12,585,000 | $5,320,000 | -57.7% | 0.6% |
| NEWREZ LLC | $5,535,000 | $5,050,000 | -8.8% | 0.6% |
| Vellum Mortgage, Inc. | $3,075,000 | $5,015,000 | 63.1% | 0.6% |
| F & M BANK CORP. | $4,610,000 | $4,800,000 | 4.1% | 0.6% |
| Capon Valley Bank | $9,820,000 | $4,765,000 | -51.5% | 0.6% |
| Alcova Mortgage LLC | $7,090,000 | $4,720,000 | -33.4% | 0.6% |
| MidAtlantic Farm Credit, ACA | $1,525,000 | $4,540,000 | 197.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $13,360,000 | $4,475,000 | -66.5% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $15,125,000 | $4,435,000 | -70.7% | 0.5% |
| USAA Federal Savings Bank | $2,930,000 | $4,405,000 | 50.3% | 0.5% |
| PENTAGON FEDERAL CREDIT UNION | $7,535,000 | $4,400,000 | -41.6% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $19,000,000 | $4,280,000 | -77.5% | 0.5% |
| JAMS-01, INC. | $6,235,000 | $4,260,000 | -31.7% | 0.5% |
| GUARANTEED RATE, INC. | $4,010,000 | $3,540,000 | -11.7% | 0.4% |
| PNC Bank | $3,870,000 | $3,290,000 | -15.0% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,925,000 | $3,265,000 | 69.6% | 0.4% |
| The Federal Savings Bank | $2,220,000 | $2,935,000 | 32.2% | 0.4% |
| FIRST SAVINGS MORTGAGE CORPORATION | $2,845,000 | $2,915,000 | 2.5% | 0.3% |
| First Heritage Mortgage, LLC | $7,120,000 | $2,840,000 | -60.1% | 0.3% |
| UNION HOME MORTGAGE CORP. | $5,050,000 | $2,815,000 | -44.3% | 0.3% |
| United Bank | $9,010,000 | $2,810,000 | -68.8% | 0.3% |
| United Nations Federal Credit Union | $1,090,000 | $2,480,000 | 127.5% | 0.3% |
| Carrington Mortgage Services, LLC | $2,245,000 | $2,470,000 | 10.0% | 0.3% |
| Northwest Federal Credit Union | $4,705,000 | $2,430,000 | -48.4% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,820,000 | $2,405,000 | -50.1% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $7,585,000 | $2,390,000 | -68.5% | 0.3% |
| Ameris Bank | $2,375,000 | $2,370,000 | -0.2% | 0.3% |
| U.S. Bank | $2,445,000 | $2,330,000 | -4.7% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,230,000 | n/a | 0.3% | |
| SWBC MORTGAGE CORPORATION | $1,255,000 | $2,210,000 | 76.1% | 0.3% |
| First National Bank of America | $1,700,000 | $2,100,000 | 23.5% | 0.3% |
| Presidential Bank, FSB | $1,455,000 | $2,025,000 | 39.2% | 0.2% |
| Discover Bank | $2,185,000 | $1,895,000 | -13.3% | 0.2% |
| DAS Acquisition Company, LLC | $595,000 | $1,860,000 | 212.6% | 0.2% |
| Bank of America | $6,420,000 | $1,845,000 | -71.3% | 0.2% |
| First National Bank of Pennsylvania | $2,945,000 | $1,805,000 | -38.7% | 0.2% |
| CARDINAL FINANCIAL | $3,985,000 | $1,740,000 | -56.3% | 0.2% |
| Citizens Bank | $3,155,000 | $1,720,000 | -45.5% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $1,830,000 | $1,715,000 | -6.3% | 0.2% |
| MILLENNIUM FINANCIAL GROUP, INC. | $705,000 | $1,645,000 | 133.3% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $840,000 | $1,635,000 | 94.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $6,855,000 | $1,620,000 | -76.4% | 0.2% |
| First-Citizens Bank & Trust Company | $2,870,000 | $1,535,000 | -46.5% | 0.2% |
| First Horizon Bank | $1,500,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $2,760,000 | $1,495,000 | -45.8% | 0.2% |
| FIRST HOME MORTGAGE CORPORATION | $1,435,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $155,000 | $1,400,000 | 803.2% | 0.2% |
| PLANET HOME LENDING, LLC | $1,290,000 | $1,390,000 | 7.8% | 0.2% |
| Farm Credit of the Virginias, ACA | $580,000 | $1,375,000 | 137.1% | 0.2% |
| JPMorgan Chase Bank | $4,745,000 | $1,375,000 | -71.0% | 0.2% |
| M&T Bank | $3,355,000 | $1,335,000 | -60.2% | 0.2% |
| Blue Ridge Bank | $2,220,000 | $1,315,000 | -40.8% | 0.2% |
| BROKER SOLUTIONS, INC. | $4,890,000 | $1,315,000 | -73.1% | 0.2% |
| CNB Bank Inc. | $1,975,000 | $1,310,000 | -33.7% | 0.2% |
| Virginia Credit Union, Inc. | $820,000 | $1,305,000 | 59.1% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $510,000 | $1,290,000 | 152.9% | 0.2% |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | $625,000 | $1,275,000 | 104.0% | 0.2% |
| MORTGAGE ACCESS CORP. | $1,920,000 | $1,275,000 | -33.6% | 0.2% |
| Capital Bank | $205,000 | $1,245,000 | 507.3% | 0.1% |
| Bank of Charles Town | $2,410,000 | $1,220,000 | -49.4% | 0.1% |
| BAY EQUITY LLC | $1,745,000 | $1,215,000 | -30.4% | 0.1% |
| MILEND, INC. | $275,000 | $1,210,000 | 340.0% | 0.1% |
| Burke & Herbert Bank & Trust Company | $115,000 | $1,205,000 | 947.8% | 0.1% |
| C & F Mortgage Corporation | $1,680,000 | $1,145,000 | -31.8% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $1,720,000 | $1,135,000 | -34.0% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $955,000 | $1,120,000 | 17.3% | 0.1% |
| Sandy Spring Bank | $1,905,000 | $1,110,000 | -41.7% | 0.1% |
| Figure Lending LLC | $925,000 | $1,100,000 | 18.9% | 0.1% |
| Towne Bank | $1,740,000 | $1,055,000 | -39.4% | 0.1% |
| LOANPAL, LLC | $285,000 | $955,000 | 235.1% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $945,000 | n/a | 0.1% | |
| TD Bank | $2,180,000 | $920,000 | -57.8% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $4,410,000 | $915,000 | -79.3% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $820,000 | $910,000 | 11.0% | 0.1% |
| Morgan Stanley Private Bank | $265,000 | $910,000 | 243.4% | 0.1% |
| Fulton Bank | $580,000 | $885,000 | 52.6% | 0.1% |
| OCMBC, INC. | $885,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $335,000 | $870,000 | 159.7% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $2,765,000 | $870,000 | -68.5% | 0.1% |
| WesBanco | $945,000 | $870,000 | -7.9% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $855,000 | n/a | 0.1% | |
| COMMONWEALTH ONE FEDERAL CREDIT UNION | $840,000 | n/a | 0.1% | |
| State Department Federal Credit Union | $800,000 | n/a | 0.1% | |
| Plains Commerce Bank | $450,000 | $770,000 | 71.1% | 0.1% |
| 21ST MORTGAGE CORPORATION | $535,000 | $760,000 | 42.1% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $4,260,000 | $755,000 | -82.3% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $245,000 | $745,000 | 204.1% | 0.1% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $1,230,000 | $725,000 | -41.1% | 0.1% |
| ENVOY MORTGAGE, LTD | $720,000 | n/a | 0.1% | |
| GEO-CORP, INC. | $720,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $5,725,000 | $715,000 | -87.5% | 0.1% |
| Pendleton Community Bank, Inc. | $1,095,000 | $715,000 | -34.7% | 0.1% |
| City National Bank | $695,000 | n/a | 0.1% | |
| Watermark Capital, Inc. | $685,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $5,240,000 | $680,000 | -87.0% | 0.1% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $710,000 | $680,000 | -4.2% | 0.1% |
| North American Savings Bank, F.S.B. | $890,000 | $670,000 | -24.7% | 0.1% |
| Paramount Bank | $345,000 | $650,000 | 88.4% | 0.1% |
| THE MORTGAGE LINK, INC. | $650,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,340,000 | $640,000 | -52.2% | 0.1% |
| AMWEST FUNDING CORP. | $255,000 | $610,000 | 139.2% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $1,410,000 | $595,000 | -57.8% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $585,000 | n/a | 0.1% | |
| Farmers and Merchants Trust Company of Chambersburg | $570,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $565,000 | n/a | 0.1% | |
| MEMBER ADVANTAGE MORTGAGE, LLC | $565,000 | n/a | 0.1% | |
| Northpointe Bank | $1,005,000 | $545,000 | -45.8% | 0.1% |
| ACNB Bank | $530,000 | n/a | 0.1% | |
| FIDELITY DIRECT MORTGAGE, LLC | $720,000 | $530,000 | -26.4% | 0.1% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $260,000 | $530,000 | 103.8% | 0.1% |
| General Mortgage Capital Corporation | $525,000 | n/a | 0.1% | |
| NEXTMARK | $565,000 | $525,000 | -7.1% | 0.1% |
| Equity Prime Mortgage LLC | $460,000 | $520,000 | 13.0% | 0.1% |
| POLARIS HOME FUNDING CORP. | $510,000 | n/a | 0.1% | |
| ARC HOME LLC | $750,000 | $500,000 | -33.3% | 0.1% |
| AgFirst Farm Credit Bank | $2,705,000 | $495,000 | -81.7% | 0.1% |
| THRIVE MORTGAGE, LLC | $495,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $205,000 | $485,000 | 136.6% | 0.1% |
| Pinnacle Bank | $485,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $485,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $3,035,000 | $485,000 | -84.0% | 0.1% |
| BAY CAPITAL MORTGAGE CORPORATION | $225,000 | $475,000 | 111.1% | 0.1% |
| MK LENDING CORP. | $475,000 | n/a | 0.1% | |
| MEMBERS 1ST FEDERAL CREDIT UNION | $470,000 | n/a | 0.1% | |
| Meridian Bank Corporation | $470,000 | n/a | 0.1% | |
| Advance Financial Group, LLC | $465,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $870,000 | $460,000 | -47.1% | 0.1% |
| Community Bank of the Chesapeake | $20,585,000 | $455,000 | -97.8% | 0.1% |
| TOWER | $1,905,000 | $455,000 | -76.1% | 0.1% |
| ALLIANT CREDIT UNION | $910,000 | $450,000 | -50.5% | 0.1% |
| GENEVA FINANCIAL, LLC | $450,000 | n/a | 0.1% | |
| NORWICH COMMERCIAL GROUP, INC. | $450,000 | n/a | 0.1% | |
| ITHINK FINANCIAL Credit Union | $435,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $1,280,000 | $435,000 | -66.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $205,000 | $425,000 | 107.3% | 0.1% |
| CALIBER HOME LOANS, INC. | $8,675,000 | $405,000 | -95.3% | 0.0% |
| CAPITAL CENTER, L.L.C. | $3,170,000 | $405,000 | -87.2% | 0.0% |
| CLEARPATH LENDING | $515,000 | $405,000 | -21.4% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $595,000 | $395,000 | -33.6% | 0.0% |
| First IC Corporation | $395,000 | n/a | 0.0% | |
| Atlantic Union Bank | $5,415,000 | $390,000 | -92.8% | 0.0% |
| First Federal Bank | $1,030,000 | $375,000 | -63.6% | 0.0% |
| Ixonia Bank | $285,000 | $375,000 | 31.6% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $290,000 | $370,000 | 27.6% | 0.0% |
| Waterstone Mortgage Corporation | $570,000 | $370,000 | -35.1% | 0.0% |
| First Citizens Community Bank | $360,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $355,000 | n/a | 0.0% | |
| KINECTA | $355,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $675,000 | $345,000 | -48.9% | 0.0% |
| Colonial Savings, F.A. | $345,000 | n/a | 0.0% | |
| EagleBank | $3,020,000 | $345,000 | -88.6% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $345,000 | n/a | 0.0% | |
| Nations Lending Corporation | $1,605,000 | $335,000 | -79.1% | 0.0% |
| Aurora Financial, LLC | $325,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $875,000 | $315,000 | -64.0% | 0.0% |
| S&T Bank | $315,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $305,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $4,805,000 | $295,000 | -93.9% | 0.0% |
| STATE EMPLOYEES' | $1,085,000 | $295,000 | -72.8% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $830,000 | $295,000 | -64.5% | 0.0% |
| Jefferson Security Bank | $2,355,000 | $290,000 | -87.7% | 0.0% |
| Clear Mountain Bank | $275,000 | $285,000 | 3.6% | 0.0% |
| Park Lane Finance Solutions, LLC | $520,000 | $275,000 | -47.1% | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | $275,000 | n/a | 0.0% | |
| Trustmark National Bank | $275,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $470,000 | $265,000 | -43.6% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $265,000 | n/a | 0.0% | |
| Simmons Bank | $265,000 | n/a | 0.0% | |
| 1st Summit Bank | $255,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $255,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $255,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $255,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $1,080,000 | $255,000 | -76.4% | 0.0% |
| SPRING EQ, LLC | $585,000 | $255,000 | -56.4% | 0.0% |
| Virginia National Bank | $230,000 | $255,000 | 10.9% | 0.0% |
| ZILLOW HOME LOANS, LLC | $770,000 | $255,000 | -66.9% | 0.0% |
| DIGITAL Federal Credit Union | $245,000 | n/a | 0.0% | |
| Ally Bank | $415,000 | $235,000 | -43.4% | 0.0% |
| Fifth Third Bank | $285,000 | $235,000 | -17.5% | 0.0% |
| First United Corporation | $665,000 | $235,000 | -64.7% | 0.0% |
| The Freedom Bank of Virginia | $2,660,000 | $235,000 | -91.2% | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $430,000 | $225,000 | -47.7% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $220,000 | $210,000 | -4.5% | 0.0% |
| Summit Mortgage Corporation | $205,000 | n/a | 0.0% | |
| Quontic Bank | $195,000 | n/a | 0.0% | |
| LANGLEY | $190,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $190,000 | n/a | 0.0% | |
| Coastal Community Bank | $175,000 | n/a | 0.0% | |
| EQUITY RESOURCES, INC. | $175,000 | n/a | 0.0% | |
| The Grant County Bank | $65,000 | $175,000 | 169.2% | 0.0% |
| Keystone Funding, Inc. | $165,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $785,000 | $165,000 | -79.0% | 0.0% |
| MICHIGAN MUTUAL, INC. | $165,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $165,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $595,000 | $160,000 | -73.1% | 0.0% |
| NEW WAVE LENDING GROUP INC | $155,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $145,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $145,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $135,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $360,000 | $135,000 | -62.5% | 0.0% |
| OPEN MORTGAGE, LLC | $185,000 | $135,000 | -27.0% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| Mars Bank | $115,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $1,265,000 | $105,000 | -91.7% | 0.0% |
| Deere Employees Credit Union | $90,000 | n/a | 0.0% | |
| ARLINGTON COMMUNITY | $700,000 | $85,000 | -87.9% | 0.0% |
| N R L Federal Credit Union | $255,000 | $85,000 | -66.7% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $55,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $55,000 | n/a | 0.0% | |
| CHARTWAY FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Truliant Federal Credit Union | $55,000 | n/a | 0.0% | |
| DUPONT COMMUNITY | $1,340,000 | $45,000 | -96.6% | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $35,000 | n/a | 0.0% | |
| EASTMAN | $820,000 | $25,000 | -97.0% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| Mid-Atlantic Federal Credit Union | $25,000 | n/a | 0.0% | |
| CHESSIE | $390,000 | $15,000 | -96.2% | 0.0% |
WINCHESTER's top lender by overall market share is Integrity Home Mortgage Corp, with 6.1% market share. In second place, with 5.6%, is QUICKEN LOANS, LLC, having originated $46,705,000 in loans. In third place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $37,620,000 in loans. In fourth place, with 4.0%, is EAGLE HOME MORTGAGE, LLC, having originated $33,670,000 in loans. In fifth place, with 4.0%, is FIRST BANCORP, having originated $33,295,000 in loans.
WINCHESTER, VA-WV Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 22601 | Winchester, VA-WV MSA | $900 | $980 | $1,250 | $1,580 | $2,080 |
| 22602 | Winchester, VA-WV MSA | $950 | $1,030 | $1,320 | $1,660 | $2,190 |
| 22603 | Winchester, VA-WV MSA | $860 | $940 | $1,200 | $1,510 | $1,990 |
| 22604 | Winchester, VA-WV MSA | $890 | $970 | $1,240 | $1,560 | $2,060 |
| 22624 | Winchester, VA-WV MSA | $980 | $1,070 | $1,370 | $1,730 | $2,270 |
| 22625 | Winchester, VA-WV MSA | $1,120 | $1,220 | $1,560 | $1,970 | $2,590 |
| 22630 | Winchester, VA-WV MSA | $790 | $810 | $1,050 | $1,390 | $1,790 |
| 22637 | Winchester, VA-WV MSA | $860 | $940 | $1,200 | $1,510 | $1,990 |
| 22645 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 22654 | Winchester, VA-WV MSA | $930 | $1,020 | $1,300 | $1,640 | $2,160 |
| 22655 | Winchester, VA-WV MSA | $960 | $1,050 | $1,340 | $1,690 | $2,220 |
| 22656 | Winchester, VA-WV MSA | $1,020 | $1,110 | $1,420 | $1,790 | $2,360 |
| 22663 | Winchester, VA-WV MSA | $970 | $1,020 | $1,250 | $1,600 | $2,020 |
| 25422 | Winchester, VA-WV MSA | $790 | $880 | $1,010 | $1,410 | $1,700 |
| 25431 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 25434 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 25437 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 25444 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26704 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26710 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26711 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26714 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26722 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26755 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26757 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26761 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26763 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26808 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26817 | Winchester, VA-WV MSA | $790 | $850 | $1,070 | $1,360 | $1,770 |
| 26818 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26823 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26845 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26851 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26852 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
| 26865 | Winchester, VA-WV MSA | $790 | $790 | $1,010 | $1,300 | $1,700 |
2022 Average & Median Rent Data Statistics
WINCHESTER, VA-WV average 1BR rent: $871, median: $790
WINCHESTER, VA-WV average 2BR rent: $1,108, median: $1,010
WINCHESTER, VA-WV average 3BR rent: $1,420, median: $1,300
WINCHESTER, VA-WV Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,849 | $617,655,000 | $334,048 |
| Cash Out Refi | 394 | $80,770,000 | $205,000 |
| Other | 328 | $30,610,000 | $93,323 |
| Home Improvement | 307 | $27,505,000 | $89,593 |
| Refi | 199 | $78,235,000 | $393,141 |
Winchester's most frequently cited loan purpose was Home Purchase, with 1,849 originations. The 2nd most popular reason was Cash Out Refi, with 394 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,111 | $344,565,000 | $310,140 |
| 7-8% | 630 | $166,580,000 | $264,413 |
| Over 8% | 512 | $52,150,000 | $101,855 |
| 5-6% | 503 | $168,295,000 | $334,583 |
| 4-5% | 57 | $51,975,000 | $911,842 |
| 2.5-3% | 12 | $2,030,000 | $169,167 |
| <2.5% | 8 | $600,000 | $75,000 |
| 3-4% | 8 | $1,910,000 | $238,750 |
During 2023, Winchester's most frequently originated rate bucket was 6-7%, with 1,111 originations.
Loan Sizing (WINCHESTER, VA-WV MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,285 | $380,965,000 | $296,471 |
| $100,000 or less | 651 | $35,025,000 | $53,802 |
| $100k-200k | 576 | $83,220,000 | $144,479 |
| $400k-600k | 453 | $213,215,000 | $470,673 |
| $600k-1000k | 98 | $68,850,000 | $702,551 |
| $Over $1MM | 14 | $53,500,000 | $3,821,429 |
WINCHESTER's loan sizing saw the bucket of loans from $200k-400k with 1,285 originations, totaling $380,965,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,194 | $429,130,000 | $359,405 |
| 60-80% | 558 | $173,410,000 | $310,771 |
| Under 20% | 486 | $27,500,000 | $56,584 |
| 20-40% | 297 | $38,655,000 | $130,152 |
| 40-60% | 233 | $93,525,000 | $401,395 |
| Over 100% | 59 | $27,795,000 | $471,102 |
WINCHESTER's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,194 originations, totaling $429,130,000 in origination value.