Largest lenders in Winchester city
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 58 | 46 | 12.1% | 6.75% |
| 2 | Crosscountry Mortgage | B | 57 | 43 | 0.0% | 6.49% |
| 3 | Integrity Home Mortgage | B | 51 | 39 | 2.0% | 6.75% |
| 4 | Navy Federal Credit Union | D | 41 | 24 | 7.3% | 7.83% |
| 5 | Truist Bank | C | 40 | 17 | 37.5% | 6.38% |
| 6 | United Shore Financial Services | B | 38 | 24 | 13.2% | 6.45% |
| 7 | NVR Mortgage Finance | B | 33 | 28 | 12.1% | 6.19% |
| 8 | Bank of Clarke | D | 29 | 23 | 10.3% | — |
| 9 | Pennymac Loan Services | C | 22 | 10 | 9.1% | 6.25% |
| 10 | Atlantic Coast Mortgage | A | 20 | 15 | 0.0% | 6.50% |
| 11 | Apple Federal Credit Union | D | 16 | 11 | 18.8% | 7.49% |
| 12 | First Bank | C | 15 | 9 | 40.0% | — |
| 13 | Freedom Mortgage | B | 13 | 4 | 7.7% | 6.19% |
| 14 | Newrez | D | 13 | 1 | 30.8% | 6.50% |
| 15 | Mortgage Research Center | C | 13 | 5 | 7.7% | 6.25% |
| 16 | Figure Lending | C | 13 | 5 | 0.0% | 9.05% |
| 17 | City National Bank of West Virginia | C | 11 | 8 | 18.2% | 6.58% |
| 18 | Guild Mortgage | A | 10 | 8 | 0.0% | 6.50% |
| 19 | United Bank | C | 9 | 8 | 0.0% | 7.39% |
| 20 | Broker Solutions | D | 9 | 3 | 11.1% | 6.49% |
| 21 | Loandepot.Com | D | 9 | 4 | 22.2% | 6.88% |
| 22 | NextMortgage | C | 8 | 6 | 0.0% | 6.75% |
| 23 | Lendingone | F | 8 | 1 | 12.5% | 11.50% |
| 24 | Primelending, a Plainscapital | A | 8 | 8 | 0.0% | 6.63% |
| 25 | 21st Mortgage | F | 7 | 0 | 85.7% | — |
Best approval odds in Winchester city
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 56 | 12.5% |
What Winchester city borrowers applied for
By loan purpose
By loan type
Why applications were denied
Winchester city by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 703 | 415 | 16.9% | 6.99% | $225,000 |
| 2024 | 819 | 501 | 17.1% | 6.88% | $255,000 |
| 2025 | 869 | 542 | 11.5% | 6.63% | $285,000 |
Frequently asked questions
11.5% of applications in Winchester city were denied in 2025, against 15.9% statewide in Virginia.
Rocket Mortgage, with 58 applications in 2025 and a denial rate of 12.1%.
The median mortgage application in Winchester city in 2025 was for $285,000; the median property value on originated loans was $395,000.