Mortgage lending in Winchester, VA-WV

4,074 mortgages were originated in the Winchester, VA-WV area in 2025, and here is what they cost.

Loans originated

4,074

Median rate

6.625%

Median lender fees

$5,927

Median loan amount

$275,000

Median spread over APOR

0.317

Paid discount points

41.3%

Received lender credits

22.9%

Purchases / refinances

54.7% / 27.4%

Conventional / FHA / VA

73.9% / 15.4% / 9.7%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71.1% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Winchester, VA-WV area, ranked by volume.