Mortgage Lenders and Brokers in Winchester, Virginia
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Winchester, Virginia mortgage lenders include Bank of ClarkeBank of Clarke1460 N Frederick Pike, Winchester, VA 22603A5.0 ★Texas Ratio: 7.27%, First BankFirst Bank208 Crock Wells Mill Dr, Winchester, VA 22603A+5.0 ★Texas Ratio: 2.42%, City National Bank of WVCity National Bank of WV1830 Valley Ave, Winchester, VA 22601A+5.0 ★Texas Ratio: 1.47%, Wells Fargo Bank NAWells Fargo Bank NA110 Rivendell Ct, Winchester, VA 22603A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank1800 Amherst St, Winchester, VA 22601A+5.0 ★Texas Ratio: 2.87%, United Bank VaUnited Bank Va2252 Valley Ave, Winchester, VA 22601A+5.0 ★Texas Ratio: 2.15%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust2147 Valley Ave, Winchester, VA 22601A5.0 ★Texas Ratio: 7.72%, Burke & Herbert Bk & Tr CoBurke & Herbert Bk & Tr Co100 W Jubal Early Dr, Winchester, VA 22601A5.0 ★Texas Ratio: 7.39%, Integrity Home Mortgage CorporationIntegrity Home Mortgage CorporationWinchester, VA, and Navy Federal Credit UnionNavy Federal Credit Union828 Berryville Ave, Winchester, VA 22601A5.0 ★Texas Ratio: 8.14%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Winchester, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winchester are listed first, then lenders elsewhere in Virginia, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Winchester, Virginia
Market share is the lender's share of all home loans closed in Winchester, Virginia. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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6 offices in Winchester 1460 N Frederick Pike, Winchester, VA 22603 A5.0 ★Texas Ratio: 7.27% |
Conventional | 21 | 5% | 87.5% | $298,333 | View |
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2 offices in Winchester 208 Crock Wells Mill Dr, Winchester, VA 22603 A+5.0 ★Texas Ratio: 2.42% |
Conventional | 8 | 1.9% | 57.1% | $202,500 | View |
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1 office in Winchester 1830 Valley Ave, Winchester, VA 22601 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 4 +2 HELOCs |
0.9% | 80% | $47,500 | View |
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3 offices in Winchester 110 Rivendell Ct, Winchester, VA 22603 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 0.9% | 100% | $317,500 | View |
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★ 1 stars, 1 review 3 offices in Winchester 1800 Amherst St, Winchester, VA 22601 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, Jumbo, HELOC | 3 +14 HELOCs |
0.7% | 100% | $601,666 | View |
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4 offices in Winchester 2252 Valley Ave, Winchester, VA 22601 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 1 +5 HELOCs |
0.2% | 100% | $385,000 | View |
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1 office in Winchester 2147 Valley Ave, Winchester, VA 22601 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.2% | 100% | $825,000 | View |
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1 office in Winchester 100 W Jubal Early Dr, Winchester, VA 22601 A5.0 ★Texas Ratio: 7.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA | 35 | 8.3% | 97.3% | $319,571 | |
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828 Berryville Ave, Winchester, VA 22601 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 17 +7 HELOCs |
4% | 94.4% | $268,529 | |
Apple Federal Credit Union
1850 S Loudoun St, Winchester, VA 22601 |
Conventional, HELOC | 6 +5 HELOCs |
1.4% | 85.7% | $145,000 | |
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3 S Cameron St, Winchester, VA 22601 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 3 | 0.7% | 100% | $425,000 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $470,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $215,000 | View |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 2 | 0.5% | 100% | $390,000 | View |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $45,000 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $405,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $405,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,025,000 | View |
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5000 Dominion Blvd, Glen Allen, VA 23060 3308 A+5.0 ★Texas Ratio: 1.46% |
Conventional | 1 | 0.2% | 100% | $115,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
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1900 Campus Commons Drive Suite 103, Reston, VA 20191 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.2% | 100% | $555,000 | View |
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731 Warrior Dr, Stephens City, VA 22655 A+5.0 ★Texas Ratio: 3.64% |
Conventional | 1 | 0.2% | 100% | $655,000 | View |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
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116 S Stewart St, Winchester, VA 22601 A+5.0 ★Texas Ratio: 3.79% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 15 | 3.5% | 100% | $333,000 | |
City Lending Inc.
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Conventional, FHA | 3 | 0.7% | 100% | $365,000 | |
Intercoastal Mortgage, LLC
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Conventional, VA | 3 | 0.7% | 100% | $425,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 0.7% | 100% | $355,000 | |
First Savings Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $350,000 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 2 | 0.5% | 100% | $450,000 | |
Tidewater Mortgage Services, Inc
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FHA | 1 | 0.2% | 100% | $345,000 | |
ALCOVA Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $445,000 | |
Loansteady LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Archer Mortgage LLC
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VA | 1 | 0.2% | 100% | $465,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $425,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Rocket Mortgage
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Conventional, FHA | 46 | 10.9% | 87.5% | $232,173 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 35 +3 HELOCs |
8.3% | 100% | $367,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA | 28 | 6.6% | 87.5% | $285,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 24 | 5.7% | 85.7% | $383,333 | |
Primelending
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Conventional | 8 | 1.9% | 100% | $382,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 1.9% | 80% | $327,500 | |
Guild Mortgage Company
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Conventional, FHA, VA | 6 | 1.4% | 100% | $363,333 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, VA | 5 | 1.2% | 100% | $247,000 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA | 5 | 1.2% | 100% | $339,000 | |
Nextmortgage, LLC
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Conventional, VA | 5 | 1.2% | 100% | $385,000 | |
Mortgage Research Center
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FHA, VA | 5 | 1.2% | 83.3% | $447,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 4 | 0.9% | 80% | $252,500 | |
All Credit Considered Mortgage, Inc.
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Conventional | 4 | 0.9% | 100% | $262,500 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 0.9% | 66.7% | $255,000 | |
Nfm, Inc
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Conventional, FHA, VA | 4 | 0.9% | 100% | $332,500 | |
Nationstar Mortgage
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Conventional | 4 | 0.9% | 100% | $240,000 | |
Goodleap, LLC
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Conventional, FHA | 3 | 0.7% | 100% | $148,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.7% | 75% | $231,666 | |
Lower, LLC
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Conventional, FHA | 3 | 0.7% | 100% | $358,333 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 2 | 0.5% | 100% | $350,000 | |
Loanunited.Com, LLC
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FHA | 2 | 0.5% | 100% | $240,000 | |
Home Mortgage Alliance Corp (Hmac)
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FHA | 2 | 0.5% | 100% | $345,000 | |
Fidelity Direct Mortgage, LLC
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FHA | 2 | 0.5% | 100% | $405,000 | |
Sun West Mortgage Company, Inc
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FHA | 2 | 0.5% | 66.7% | $385,000 | |
Bay Equity LLC
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Conventional | 2 | 0.5% | 100% | $345,000 | |
Peoples Mortgage Company
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Conventional, FHA | 2 | 0.5% | 100% | $325,000 | |
Milend, Inc
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Conventional, FHA | 2 | 0.5% | 100% | $200,000 | |
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A+5.0 ★Texas Ratio: 0.74% |
Conventional | 2 | 0.5% | 100% | $160,000 | View |
The Loan Store, Inc
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Conventional | 2 | 0.5% | 100% | $230,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.5% | 100% | $660,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 2 | 0.5% | 100% | $440,000 | View |
Village Capital & Investment
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VA | 2 | 0.5% | 100% | $380,000 | |
EMM Loans LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
Guaranteed Rate, Inc.
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FHA | 1 | 0.2% | 100% | $315,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $585,000 | |
SWBC Mortgage Corporation
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VA | 1 | 0.2% | 100% | $325,000 | |
Newrez LLC
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Conventional | 1 | 0.2% | 25% | $495,000 | |
Go Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $275,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.2% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 4.07% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 100% | $285,000 | |
United Trust Bank
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FHA | 1 | 0.2% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.2% | 50% | $245,000 | View |
MortgageCountry
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Ross Mortgage Corporation
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VA | 1 | 0.2% | 100% | $555,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $425,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 50% | $725,000 | View |
Land Home Financial Services,
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FHA | 1 | 0.2% | 100% | $345,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.2% | 100% | $385,000 | |
Nations Lending Corporation
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FHA | 1 | 0.2% | 100% | $365,000 | |
T2 Financial LLC
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 100% | $425,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.2% | 50% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $555,000 | View |
Mutual of Omaha Mortgage
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VA | 1 | 0.2% | 100% | $425,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.2% | 100% | $325,000 | View |
Partners 1St Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $505,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $245,000 | |
First Technology Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.2% | 100% | $345,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 25% | $75,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $385,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Everett Financial, Inc.
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Digital Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Winchester Mortgage Rate Trends
Daily average mortgage rates for Virginia compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Winchester, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Winchester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winchester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winchester, VA
Use these to narrow the list above. Each category shows how many Winchester, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Winchester, VA
Independent mortgage companies closed 74.7 percent of home loans in Winchester, Virginia in 2025, banks 18 percent and credit unions 7.3 percent. Integrity Home Mortgage Corporation was the largest mortgage company, Bank of Clarke the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Bank of Clarke led with 21 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Virginia. State recordation tax of $0.25 per $100 on deeds and on deeds of trust (buyer/borrower), a state grantor tax of $0.50 per $500 (seller), localities may add one third of the state tax, and Northern Virginia and Hampton Roads add a regional grantor tax of $0.10 per $100 (Va. Code 58.1-801 through 58.1-803).
More Virginia Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Winchester, VA
By home loans closed in 2025, Bank of Clarke was the largest mortgage lender in Winchester, Virginia with 21 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
34 lenders closed FHA loans in Winchester, Virginia in 2025, led by Integrity Home Mortgage Corporation with 14. 24 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 31 banks and 12 credit unions closed home loans in Winchester, Virginia in 2025, alongside 74 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Winchester, Virginia during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Winchester, Virginia for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Winchester. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
