WINCHESTER Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Winchester averaged
5.65%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.7% and
one month ago for the week of 2022-04-14, the
average rate was 5.2%.
Winchester's average rate one year ago was 2.97%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.12%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Winchester 30 Year Fixed Rate | 2022-05-19 | 5.65% |
| Winchester 30 Year Fixed Rate Refi | 2022-05-19 | 5.12% |
| Winchester 15 Year Fixed Rate | 2022-05-19 | 4.61% |
| Winchester 15 Year Fixed Rate Refi | 2022-05-19 | 4.38% |
| Winchester 30 Year FHA | 2022-05-19 | 5.14% |
| Winchester 30 Year FHA Refi | 2022-05-19 | 5.24% |
| Winchester 30 Year USDA | 2022-05-19 | 5.06% |
| Winchester 30 Year USDA Refi | 2022-05-19 | 4.87% |
| Winchester 30 Year VA | 2022-05-19 | 5.08% |
| Winchester 30 Year VA Refi | 2022-05-19 | 4.91% |
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 lendor, 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, VA-WV's 242 lenders originated 7,927
loans during 2021. The total origination value was $2,038,695,000, with an average loan value of
$257,184.
The top WINCHESTER lender as defined by loan originations is Integrity Home Mortgage Corp, with
410 loans originated. Their average total fees are
$4,174, which is $881
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee WINCHESTER lenders (with over 10 loans originated) are
Shea Mortgage Inc. ($255), HOMEAMERICAN MORTGAGE CORPORATION ($1,010), FREEDOM MORTGAGE CORPORATION ($1,929), MUTUAL OF OMAHA MORTGAGE, INC. ($1,964) and PENTAGON FEDERAL CREDIT UNION ($2,199).
The lowest rate WINCHESTER lenders (with over 10 loans originated) are
BETTER MORTGAGE CORPORATION (2.83%), Bank of America (2.84%), GUARANTEED RATE, INC. (2.90%), LOANDEPOT.COM, LLC (2.93%) and BROKER SOLUTIONS, INC. (2.94%).
WINCHESTER, VA-WV Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $180,590,000 | $188,265,000 | 4.2% | 9.2% |
| Integrity Home Mortgage Corp | $163,020,000 | n/a | 8.0% | |
| FINANCE OF AMERICA MORTGAGE LLC | $72,635,000 | $84,715,000 | 16.6% | 4.2% |
| MCLEAN MORTGAGE CORPORATION | $43,460,000 | $76,795,000 | 76.7% | 3.8% |
| FREEDOM MORTGAGE CORPORATION | $69,515,000 | $74,085,000 | 6.6% | 3.6% |
| NAVY FEDERAL CREDIT UNION | $71,925,000 | $61,090,000 | -15.1% | 3.0% |
| Wells Fargo Bank | $56,895,000 | $58,645,000 | 3.1% | 2.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $43,965,000 | $48,965,000 | 11.4% | 2.4% |
| LOANDEPOT.COM, LLC | $33,140,000 | $48,190,000 | 45.4% | 2.4% |
| PENNYMAC LOAN SERVICES, LLC | $33,810,000 | $47,735,000 | 41.2% | 2.3% |
| CBM Mortgage, Inc. | $45,375,000 | $45,480,000 | 0.2% | 2.2% |
| Truist Bank | $46,630,000 | $39,315,000 | -15.7% | 1.9% |
| Bank of Clarke County | $29,855,000 | $38,160,000 | 27.8% | 1.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $55,925,000 | $37,740,000 | -32.5% | 1.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $27,690,000 | $35,805,000 | 29.3% | 1.8% |
| HOMESPIRE MORTGAGE CORPORATION | $38,600,000 | $33,800,000 | -12.4% | 1.7% |
| AMERISAVE MORTGAGE CORPORATION | $22,315,000 | $29,790,000 | 33.5% | 1.5% |
| NVR Mortgage Finance, Inc. | $31,985,000 | $28,050,000 | -12.3% | 1.4% |
| George Mason Mortgage, LLC | $38,880,000 | $26,645,000 | -31.5% | 1.3% |
| Alcova Mortgage LLC | $32,165,000 | $25,400,000 | -21.0% | 1.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $23,480,000 | $25,145,000 | 7.1% | 1.2% |
| First Bank | $18,965,000 | $23,665,000 | 24.8% | 1.2% |
| Bank of Romney | $20,065,000 | $21,890,000 | 9.1% | 1.1% |
| Atlantic Coast Mortgage, LLC | $24,255,000 | $21,330,000 | -12.1% | 1.0% |
| Apple Federal Credit Union | $16,755,000 | $20,325,000 | 21.3% | 1.0% |
| INTERCOASTAL MORTGAGE COMPANY | $12,210,000 | $19,145,000 | 56.8% | 0.9% |
| HOME POINT FINANCIAL CORPORATION | $8,535,000 | $18,715,000 | 119.3% | 0.9% |
| RESIDENTIAL MORTGAGE SERVICES, INC. | $20,065,000 | $17,655,000 | -12.0% | 0.9% |
| Mortgage Research Center, LLC | $18,780,000 | $16,160,000 | -14.0% | 0.8% |
| NEWREZ LLC | $11,715,000 | $15,895,000 | 35.7% | 0.8% |
| FNB Bank, Inc. | $15,000,000 | $15,450,000 | 3.0% | 0.8% |
| First Heritage Mortgage, LLC | $15,690,000 | $14,835,000 | -5.4% | 0.7% |
| EMBRACE HOME LOANS, INC. | $10,575,000 | $14,090,000 | 33.2% | 0.7% |
| HOMESIDE FINANCIAL, LLC | $10,840,000 | $14,025,000 | 29.4% | 0.7% |
| CALIBER HOME LOANS, INC. | $14,265,000 | $13,965,000 | -2.1% | 0.7% |
| LAKEVIEW LOAN SERVICING, LLC | $13,265,000 | $13,090,000 | -1.3% | 0.6% |
| PENTAGON FEDERAL CREDIT UNION | $9,400,000 | $11,800,000 | 25.5% | 0.6% |
| BETTER MORTGAGE CORPORATION | $105,000 | $11,580,000 | 10,928.6% | 0.6% |
| HOMEAMERICAN MORTGAGE CORPORATION | $10,050,000 | $11,560,000 | 15.0% | 0.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $10,560,000 | $11,090,000 | 5.0% | 0.5% |
| NFM, INC. | $8,345,000 | $10,070,000 | 20.7% | 0.5% |
| Northwest Federal Credit Union | $8,535,000 | $9,325,000 | 9.3% | 0.5% |
| NEW DAY FINANCIAL, LLC | $3,820,000 | $8,985,000 | 135.2% | 0.4% |
| Summit Community Bank, Inc. | $16,570,000 | $8,750,000 | -47.2% | 0.4% |
| NETWORK CAPITAL FUNDING CORPORATION | $10,310,000 | $8,700,000 | -15.6% | 0.4% |
| United Bank | $6,640,000 | $8,490,000 | 27.9% | 0.4% |
| Carrington Mortgage Services, LLC | $8,920,000 | $8,405,000 | -5.8% | 0.4% |
| Prosperity Home Mortgage, LLC | $6,810,000 | $8,115,000 | 19.2% | 0.4% |
| GUARANTEED RATE, INC. | $5,605,000 | $7,925,000 | 41.4% | 0.4% |
| City National Bank of West Virginia | $9,480,000 | $7,910,000 | -16.6% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $4,670,000 | $7,910,000 | 69.4% | 0.4% |
| Sierra Pacific Mortgage Company, Inc. | $5,870,000 | $7,890,000 | 34.4% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,000,000 | $7,595,000 | 153.2% | 0.4% |
| TIDEWATER MORTGAGE SERVICES, INC. | $7,430,000 | $7,585,000 | 2.1% | 0.4% |
| Capon Valley Bank | $5,820,000 | $7,240,000 | 24.4% | 0.4% |
| Blue Ridge Bank | $5,335,000 | $7,070,000 | 32.5% | 0.3% |
| BROKER SOLUTIONS, INC. | $4,755,000 | $6,915,000 | 45.4% | 0.3% |
| Bank of America | $6,500,000 | $6,840,000 | 5.2% | 0.3% |
| AgFirst Farm Credit Bank | $9,505,000 | $6,805,000 | -28.4% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $6,285,000 | $6,420,000 | 2.1% | 0.3% |
| Flagstar Bank, FSB | $5,945,000 | $6,340,000 | 6.6% | 0.3% |
| JPMorgan Chase Bank | $4,320,000 | $6,330,000 | 46.5% | 0.3% |
| Strong Home Mortgage, LLC | $4,380,000 | $6,325,000 | 44.4% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,985,000 | $6,175,000 | 55.0% | 0.3% |
| UNION HOME MORTGAGE CORP. | $6,300,000 | $6,050,000 | -4.0% | 0.3% |
| Atlantic Union Bank | $5,780,000 | $5,945,000 | 2.9% | 0.3% |
| The Federal Savings Bank | $10,915,000 | $5,920,000 | -45.8% | 0.3% |
| USAA Federal Savings Bank | $17,920,000 | $5,785,000 | -67.7% | 0.3% |
| U.S. Bank | $4,990,000 | $5,730,000 | 14.8% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $8,070,000 | $5,485,000 | -32.0% | 0.3% |
| SWBC MORTGAGE CORPORATION | $1,160,000 | $5,205,000 | 348.7% | 0.3% |
| Presidential Bank, FSB | $5,040,000 | $5,070,000 | 0.6% | 0.2% |
| Shea Mortgage Inc. | $4,680,000 | $4,680,000 | 0.0% | 0.2% |
| DRAPER AND KRAMER MORTGAGE CORP. | $1,310,000 | $4,655,000 | 255.3% | 0.2% |
| First-Citizens Bank & Trust Company | $2,195,000 | $4,645,000 | 111.6% | 0.2% |
| FIRST SAVINGS MORTGAGE CORPORATION | $6,295,000 | $4,450,000 | -29.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,000,000 | $4,315,000 | 43.8% | 0.2% |
| Grandbridge Real Estate Capital LLC | $4,305,000 | n/a | 0.2% | |
| First Federal Bank | $5,510,000 | $4,265,000 | -22.6% | 0.2% |
| CLEARPATH LENDING | $5,130,000 | $4,220,000 | -17.7% | 0.2% |
| PNC Bank | $2,450,000 | $4,215,000 | 72.0% | 0.2% |
| Ameris Bank | $1,960,000 | $4,185,000 | 113.5% | 0.2% |
| EagleBank | $4,540,000 | $4,085,000 | -10.0% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,355,000 | $4,070,000 | 21.3% | 0.2% |
| Wyndham Capital Mortgage, Inc. | $5,295,000 | $4,040,000 | -23.7% | 0.2% |
| CAPITAL CENTER, L.L.C. | $1,205,000 | $3,830,000 | 217.8% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $3,465,000 | $3,775,000 | 8.9% | 0.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | $5,620,000 | $3,580,000 | -36.3% | 0.2% |
| Towne Bank | $3,850,000 | $3,530,000 | -8.3% | 0.2% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $3,635,000 | $3,305,000 | -9.1% | 0.2% |
| Vellum Mortgage, Inc. | $5,225,000 | $3,300,000 | -36.8% | 0.2% |
| FIRST HOME MORTGAGE CORPORATION | $4,970,000 | $3,250,000 | -34.6% | 0.2% |
| PLANET HOME LENDING, LLC | $4,990,000 | $3,225,000 | -35.4% | 0.2% |
| Bank of Charles Town | $1,980,000 | $3,210,000 | 62.1% | 0.2% |
| Jefferson Security Bank | $1,455,000 | $3,170,000 | 117.9% | 0.2% |
| North American Savings Bank, F.S.B. | $4,415,000 | $3,110,000 | -29.6% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $2,985,000 | $3,110,000 | 4.2% | 0.2% |
| GUILD MORTGAGE COMPANY | $330,000 | $3,020,000 | 815.2% | 0.1% |
| JAMS-01, INC. | $6,610,000 | $3,020,000 | -54.3% | 0.1% |
| Capital Bank | $2,575,000 | $2,910,000 | 13.0% | 0.1% |
| NBKC BANK | $4,140,000 | $2,905,000 | -29.8% | 0.1% |
| Sandy Spring Bank | $1,480,000 | $2,885,000 | 94.9% | 0.1% |
| Citizens Bank | $9,150,000 | $2,870,000 | -68.6% | 0.1% |
| FirstBank | $2,325,000 | $2,710,000 | 16.6% | 0.1% |
| TJC Mortgage, Inc. | $2,310,000 | $2,505,000 | 8.4% | 0.1% |
| First Guaranty Mortgage Corporation | $1,415,000 | $2,495,000 | 76.3% | 0.1% |
| SIRVA MORTGAGE, INC. | $925,000 | $2,455,000 | 165.4% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,000,000 | $2,450,000 | 22.5% | 0.1% |
| MILLENNIUM FINANCIAL GROUP, INC. | $3,250,000 | $2,345,000 | -27.8% | 0.1% |
| PARTNERS 1ST Federal Credit Union | $610,000 | $2,280,000 | 273.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $780,000 | $2,270,000 | 191.0% | 0.1% |
| Low VA Rates, LLC | $1,045,000 | $2,240,000 | 114.4% | 0.1% |
| AmeriHome Mortgage Company, LLC | $720,000 | $2,225,000 | 209.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $2,970,000 | $2,195,000 | -26.1% | 0.1% |
| Nations Lending Corporation | $1,480,000 | $2,180,000 | 47.3% | 0.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | $355,000 | $2,170,000 | 511.3% | 0.1% |
| Manufacturers and Traders Trust Company | $2,445,000 | $2,050,000 | -16.2% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,075,000 | $2,030,000 | -2.2% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $455,000 | $2,010,000 | 341.8% | 0.1% |
| F & M BANK CORP. | $360,000 | $1,945,000 | 440.3% | 0.1% |
| Fulton Bank | $275,000 | $1,930,000 | 601.8% | 0.1% |
| Keystone Funding, Inc. | $1,925,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,220,000 | $1,885,000 | -15.1% | 0.1% |
| ALLIANT CREDIT UNION | $1,360,000 | $1,875,000 | 37.9% | 0.1% |
| Farm Credit of the Virginias, ACA | $345,000 | $1,865,000 | 440.6% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,110,000 | $1,835,000 | 65.3% | 0.1% |
| Virginia Credit Union, Inc. | $1,330,000 | $1,825,000 | 37.2% | 0.1% |
| Fifth Third Bank | $2,275,000 | $1,815,000 | -20.2% | 0.1% |
| The Freedom Bank of Virginia | $2,790,000 | $1,795,000 | -35.7% | 0.1% |
| HOMESTEAD FUNDING CORP. | $2,415,000 | $1,720,000 | -28.8% | 0.1% |
| SOFI LENDING CORP. | $980,000 | $1,680,000 | 71.4% | 0.1% |
| TD Bank | $2,500,000 | $1,630,000 | -34.8% | 0.1% |
| Colonial Savings, F.A. | $895,000 | $1,620,000 | 81.0% | 0.1% |
| C & F Mortgage Corporation | $1,510,000 | $1,565,000 | 3.6% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $2,005,000 | $1,535,000 | -23.4% | 0.1% |
| Chicago Mortgage Solutions LLC | $1,515,000 | n/a | 0.1% | |
| TOWER | $1,310,000 | $1,475,000 | 12.6% | 0.1% |
| MidAtlantic Farm Credit, ACA | $685,000 | $1,460,000 | 113.1% | 0.1% |
| Lakeview Community Capital, LLC | $1,945,000 | $1,440,000 | -26.0% | 0.1% |
| First Mortgage Solutions, LLC | $265,000 | $1,395,000 | 426.4% | 0.1% |
| Luxury Mortgage Corp. | $1,350,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $200,000 | $1,330,000 | 565.0% | 0.1% |
| Plains Commerce Bank | $1,035,000 | $1,310,000 | 26.6% | 0.1% |
| FINANCE OF AMERICA COMMERCIAL LLC | $1,290,000 | n/a | 0.1% | |
| LOANPAL, LLC | $765,000 | $1,200,000 | 56.9% | 0.1% |
| Northpointe Bank | $1,210,000 | $1,170,000 | -3.3% | 0.1% |
| First Horizon Bank | $1,165,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $625,000 | $1,140,000 | 82.4% | 0.1% |
| RESIDENTIAL BANCORP. | $1,135,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $455,000 | $1,130,000 | 148.4% | 0.1% |
| American Security Mortgage Corp. | $1,065,000 | $1,125,000 | 5.6% | 0.1% |
| DAS Acquisition Company, LLC | $1,115,000 | n/a | 0.1% | |
| DUPONT COMMUNITY | $1,000,000 | $1,110,000 | 11.0% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $220,000 | $1,105,000 | 402.3% | 0.1% |
| Philadelphia Mortgage Advisors, Inc. | $710,000 | $1,105,000 | 55.6% | 0.1% |
| KS StateBank | $305,000 | $1,095,000 | 259.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $5,975,000 | $1,050,000 | -82.4% | 0.1% |
| Aurora Financial, LLC | $1,065,000 | $995,000 | -6.6% | 0.0% |
| Prime Choice Funding Inc. | $1,035,000 | $995,000 | -3.9% | 0.0% |
| First Home Bank | $695,000 | $990,000 | 42.4% | 0.0% |
| CNB Bank Inc. | $395,000 | $935,000 | 136.7% | 0.0% |
| MORTGAGE ACCESS CORP. | $1,330,000 | $925,000 | -30.5% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $305,000 | $915,000 | 200.0% | 0.0% |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | $975,000 | $915,000 | -6.2% | 0.0% |
| MILEND, INC. | $470,000 | $905,000 | 92.6% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $1,640,000 | $905,000 | -44.8% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $260,000 | $895,000 | 244.2% | 0.0% |
| APEX HOME LOANS, INC. | $2,010,000 | $890,000 | -55.7% | 0.0% |
| The Huntington National Bank | $170,000 | $885,000 | 420.6% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,090,000 | $880,000 | -19.3% | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | $480,000 | $860,000 | 79.2% | 0.0% |
| ARC HOME LLC | $1,325,000 | $845,000 | -36.2% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $380,000 | $845,000 | 122.4% | 0.0% |
| SONABANK | $195,000 | $840,000 | 330.8% | 0.0% |
| SPRING EQ, LLC | $920,000 | $840,000 | -8.7% | 0.0% |
| BNY Mellon | $825,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $420,000 | $825,000 | 96.4% | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $565,000 | $815,000 | 44.2% | 0.0% |
| FIRST BANCORP, INC. | $1,000,000 | $810,000 | -19.0% | 0.0% |
| Bank of England | $795,000 | n/a | 0.0% | |
| NP, Inc. | $1,500,000 | $795,000 | -47.0% | 0.0% |
| Discover Bank | $425,000 | $775,000 | 82.4% | 0.0% |
| STOCKTON MORTGAGE CORPORATION | $1,050,000 | $760,000 | -27.6% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $245,000 | $755,000 | 208.2% | 0.0% |
| City National Bank | $755,000 | n/a | 0.0% | |
| CELEBRITY HOME LOANS, LLC | $740,000 | n/a | 0.0% | |
| LENDERFI, INC. | $715,000 | $735,000 | 2.8% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,365,000 | $730,000 | -46.5% | 0.0% |
| 1ST FINANCIAL, INC. | $345,000 | $725,000 | 110.1% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $700,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $155,000 | $685,000 | 341.9% | 0.0% |
| First National Bank of Pennsylvania | $1,920,000 | $655,000 | -65.9% | 0.0% |
| MISSION MORTGAGE LLC | $650,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $245,000 | $650,000 | 165.3% | 0.0% |
| ON Q FINANCIAL, INC. | $205,000 | $640,000 | 212.2% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $720,000 | $640,000 | -11.1% | 0.0% |
| R M K FINANCIAL CORP. | $325,000 | $640,000 | 96.9% | 0.0% |
| Waterstone Mortgage Corporation | $420,000 | $640,000 | 52.4% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $625,000 | n/a | 0.0% | |
| Arvest Bank | $855,000 | $620,000 | -27.5% | 0.0% |
| CRESCENT MORTGAGE COMPANY | $570,000 | $620,000 | 8.8% | 0.0% |
| RANLIFE, INC. | $620,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $610,000 | n/a | 0.0% | |
| Merchants Bank of Indiana | $610,000 | n/a | 0.0% | |
| First National Bank of America | $305,000 | $600,000 | 96.7% | 0.0% |
| HANCOCK MORTGAGE PARTNERS, LLC | $600,000 | n/a | 0.0% | |
| STEARNS LENDING, LLC | $395,000 | $600,000 | 51.9% | 0.0% |
| Charles Schwab Bank, SSB | $585,000 | n/a | 0.0% | |
| CHESSIE | $590,000 | $580,000 | -1.7% | 0.0% |
| PHH Mortgage Corporation | $330,000 | $580,000 | 75.8% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $615,000 | $580,000 | -5.7% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $550,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $425,000 | $550,000 | 29.4% | 0.0% |
| AMWEST FUNDING CORP. | $545,000 | n/a | 0.0% | |
| Florida Capital Bank | $340,000 | $545,000 | 60.3% | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | $890,000 | $545,000 | -38.8% | 0.0% |
| Kwik Mortgage Corporation | $535,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $245,000 | $530,000 | 116.3% | 0.0% |
| PARKSIDE LENDING, LLC | $480,000 | $525,000 | 9.4% | 0.0% |
| First Internet Bank of Indiana | $305,000 | $520,000 | 70.5% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $215,000 | $515,000 | 139.5% | 0.0% |
| Metro City Bank | $235,000 | $510,000 | 117.0% | 0.0% |
| MLD MORTGAGE INC. | $1,300,000 | $500,000 | -61.5% | 0.0% |
| Magnolia Bank | $1,745,000 | $490,000 | -71.9% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $580,000 | $485,000 | -16.4% | 0.0% |
| SeaTrust Mortgage Company | $475,000 | n/a | 0.0% | |
| OCMBC, INC. | $205,000 | $460,000 | 124.4% | 0.0% |
| CMG MORTGAGE, INC. | $1,080,000 | $450,000 | -58.3% | 0.0% |
| AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. | $445,000 | n/a | 0.0% | |
| KeyBank | $435,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $445,000 | $430,000 | -3.4% | 0.0% |
| INTERCAP LENDING INC. | $385,000 | $425,000 | 10.4% | 0.0% |
| Quad City Bank and Trust Company | $425,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $265,000 | $415,000 | 56.6% | 0.0% |
| Park Lane Finance Solutions, LLC | $100,000 | $415,000 | 315.0% | 0.0% |
| US MORTGAGE CORPORATION | $1,075,000 | $415,000 | -61.4% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $1,120,000 | $405,000 | -63.8% | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $405,000 | n/a | 0.0% | |
| Leader Bank | $405,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $390,000 | n/a | 0.0% | |
| Clear Mountain Bank | $390,000 | n/a | 0.0% | |
| THE MORTGAGE LINK, INC. | $165,000 | $385,000 | 133.3% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $135,000 | $380,000 | 181.5% | 0.0% |
| THRIVE MORTGAGE, LLC | $375,000 | n/a | 0.0% | |
| ADVANCIAL | $365,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $350,000 | $365,000 | 4.3% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $365,000 | n/a | 0.0% | |
| NEW FED MORTGAGE, CORP. | $355,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $1,000,000 | $355,000 | -64.5% | 0.0% |
| Tidewater Home Funding, LLC | $315,000 | $355,000 | 12.7% | 0.0% |
| Figure Lending LLC | $315,000 | $345,000 | 9.5% | 0.0% |
| CityWorth Mortgage LLC | $2,805,000 | $335,000 | -88.1% | 0.0% |
| OVM FINANCIAL, INC. | $560,000 | $335,000 | -40.2% | 0.0% |
| COMMONWEALTH ONE FEDERAL CREDIT UNION | $330,000 | n/a | 0.0% | |
| JOHNSON MORTGAGE COMPANY, L.L.C. | $325,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $325,000 | n/a | 0.0% | |
| MID-ISLAND MORTGAGE CORP. | $325,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $485,000 | $320,000 | -34.0% | 0.0% |
| Cf Bank | $315,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $315,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $2,425,000 | $310,000 | -87.2% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $305,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $970,000 | $305,000 | -68.6% | 0.0% |
| INLAND BANK & TRUST | $305,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $305,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $300,000 | n/a | 0.0% | |
| WesBanco Bank, Inc. | $225,000 | $300,000 | 33.3% | 0.0% |
| CANOPY MORTGAGE, LLC | $295,000 | n/a | 0.0% | |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $295,000 | n/a | 0.0% | |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES | $295,000 | n/a | 0.0% | |
| Paramount Bank | $145,000 | $295,000 | 103.4% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $290,000 | n/a | 0.0% | |
| REVERSE MORTGAGE FUNDING LLC | $135,000 | $290,000 | 114.8% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $285,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $515,000 | $285,000 | -44.7% | 0.0% |
| Quontic Bank | $285,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $765,000 | $285,000 | -62.7% | 0.0% |
| The Fountain Trust Company | $285,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $990,000 | $275,000 | -72.2% | 0.0% |
| United Fidelity Funding Corp. | $305,000 | $275,000 | -9.8% | 0.0% |
| Pendleton Community Bank, Inc. | $1,375,000 | $270,000 | -80.4% | 0.0% |
| BNC National Bank | $3,225,000 | $265,000 | -91.8% | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | $265,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $265,000 | n/a | 0.0% | |
| Reliant Bank | $265,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $325,000 | $265,000 | -18.5% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $720,000 | $265,000 | -63.2% | 0.0% |
| EVERETT FINANCIAL, INC. | $755,000 | $255,000 | -66.2% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $710,000 | $255,000 | -64.1% | 0.0% |
| MIDLAND MORTGAGE CORPORATION | $450,000 | $255,000 | -43.3% | 0.0% |
| Northwest Bank | $255,000 | n/a | 0.0% | |
| Sunflower Bank | $295,000 | $255,000 | -13.6% | 0.0% |
| Citibank | $360,000 | $250,000 | -30.6% | 0.0% |
| Christensen Financial, Inc. | $245,000 | n/a | 0.0% | |
| KELLER MORTGAGE, LLC | $1,185,000 | $245,000 | -79.3% | 0.0% |
| Kish Bank | $245,000 | n/a | 0.0% | |
| Community First National Bank | $225,000 | n/a | 0.0% | |
| Huntingdon Valley Bank | $225,000 | n/a | 0.0% | |
| PIKE CREEK MORTGAGE SERVICES, INC. | $770,000 | $225,000 | -70.8% | 0.0% |
| SHARONVIEW FEDERAL CREDIT UNION | $225,000 | n/a | 0.0% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $2,650,000 | $225,000 | -91.5% | 0.0% |
| United Nations Federal Credit Union | $225,000 | n/a | 0.0% | |
| ANGEL OAK HOME LOANS LLC | $215,000 | n/a | 0.0% | |
| Princeton Mortgage Corporation | $215,000 | n/a | 0.0% | |
| Renasant Bank | $375,000 | $215,000 | -42.7% | 0.0% |
| Watermark Capital, Inc. | $885,000 | $215,000 | -75.7% | 0.0% |
| ENVOY MORTGAGE, LTD | $700,000 | $205,000 | -70.7% | 0.0% |
| MDE Home Loans, LLC | $205,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $355,000 | $205,000 | -42.3% | 0.0% |
| MIDWEST LOAN SOLUTIONS, INC. | $225,000 | $205,000 | -8.9% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $195,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $195,000 | n/a | 0.0% | |
| First Midwest Bank | $305,000 | $195,000 | -36.1% | 0.0% |
| LIMA ONE CAPITAL, LLC | $165,000 | $195,000 | 18.2% | 0.0% |
| Southern Bank and Trust Company | $195,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $190,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $395,000 | $185,000 | -53.2% | 0.0% |
| HighTechLending Inc | $185,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $175,000 | n/a | 0.0% | |
| UNIFY FINANCIAL Credit Union | $175,000 | n/a | 0.0% | |
| Axos Bank | $325,000 | $165,000 | -49.2% | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | $1,595,000 | $165,000 | -89.7% | 0.0% |
| GENEVA FINANCIAL, LLC | $165,000 | n/a | 0.0% | |
| RESIDENTIAL HOME FUNDING CORP. | $165,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $155,000 | n/a | 0.0% | |
| Community Bank of the Chesapeake | $150,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $430,000 | $145,000 | -66.3% | 0.0% |
| GSF Mortgage Corporation | $455,000 | $145,000 | -68.1% | 0.0% |
| UIF CORPORATION | $320,000 | $145,000 | -54.7% | 0.0% |
| Gateway First Bank | $695,000 | $140,000 | -79.9% | 0.0% |
| NEXTMARK | $190,000 | $140,000 | -26.3% | 0.0% |
| Austin Capital Bank SSB | $385,000 | $135,000 | -64.9% | 0.0% |
| FAY SERVICING, LLC | $135,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $135,000 | n/a | 0.0% | |
| SEVERN SAVINGS BANK, FSB DBA SEVERN BANK | $1,135,000 | $135,000 | -88.1% | 0.0% |
| JUSTICE Federal Credit Union | $300,000 | $130,000 | -56.7% | 0.0% |
| Elements Financial Federal Credit Union | $125,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $185,000 | $125,000 | -32.4% | 0.0% |
| Secured Investment Corp. | $125,000 | n/a | 0.0% | |
| Hometown Lenders, Inc. | $185,000 | $115,000 | -37.8% | 0.0% |
| ACT 1ST FCU | $170,000 | $95,000 | -44.1% | 0.0% |
| MEMBER ONE | $75,000 | n/a | 0.0% | |
| LANGLEY | $125,000 | $65,000 | -48.0% | 0.0% |
| STATE EMPLOYEES' | $375,000 | $65,000 | -82.7% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $535,000 | $65,000 | -87.9% | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| CITADEL FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $215,000 | $55,000 | -74.4% | 0.0% |
| Signal Financial Federal Credit Union | $105,000 | $55,000 | -47.6% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $35,000 | n/a | 0.0% |
WINCHESTER's top lender by overall market share is QUICKEN LOANS, LLC, with 9.2% market share. In second place, with 8.0%, is Integrity Home Mortgage Corp, having originated $163,020,000 in loans. In third place, with 4.2%, is FINANCE OF AMERICA MORTGAGE LLC, having originated $84,715,000 in loans. In third place, with 3.8%, is MCLEAN MORTGAGE CORPORATION, having originated $76,795,000 in loans. In third place, with 3.6%, is FREEDOM MORTGAGE CORPORATION, having originated $74,085,000 in loans.
WINCHESTER, VA-WV Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 3,074 | $754,680,000 | $245,504 |
| Home Purchase | 2,972 | $868,470,000 | $292,217 |
| Cash Out Refi | 1,523 | $377,955,000 | $248,165 |
| Home Improvement | 194 | $21,410,000 | $110,361 |
| Other | 164 | $16,180,000 | $98,659 |
Winchester's most frequently cited loan purpose was Refi, with 3,074 originations. The 2nd most popular reason was Home Purchase, with 2,972 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 2,998 | $802,340,000 | $267,625 |
| 3-4% | 2,595 | $673,205,000 | $259,424 |
| <2.5% | 1,447 | $386,585,000 | $267,163 |
| 4-5% | 249 | $48,305,000 | $193,996 |
| 5-6% | 49 | $4,865,000 | $99,286 |
| Over 8% | 36 | $3,190,000 | $88,611 |
| 7-8% | 16 | $1,360,000 | $85,000 |
| 6-7% | 15 | $2,025,000 | $135,000 |
During 2021, Winchester's most frequently originated rate bucket was 2.5-3%, with 2,998 originations.
Loan Sizing (WINCHESTER, VA-WV MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 4,241 | $1,200,525,000 | $283,076 |
| $100k-200k | 2,167 | $338,225,000 | $156,080 |
| $400k-600k | 795 | $372,425,000 | $468,459 |
| $100,000 or less | 626 | $38,920,000 | $62,173 |
| $600k-1000k | 84 | $59,560,000 | $709,048 |
| $Over $1MM | 14 | $29,040,000 | $2,074,286 |
WINCHESTER's loan sizing saw the bucket of loans from $200k-400k with 4,241 originations, totaling $1,200,525,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,745 | $831,525,000 | $302,923 |
| 60-80% | 2,613 | $681,485,000 | $260,806 |
| 40-60% | 969 | $199,685,000 | $206,073 |
| 20-40% | 330 | $42,530,000 | $128,879 |
| Under 20% | 238 | $16,150,000 | $67,857 |
| Over 100% | 126 | $48,180,000 | $382,381 |
WINCHESTER's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,745 originations, totaling $831,525,000 in origination value.
