Virginia · HMDA 2025
Mortgage lenders in Winchester city, VA
182 lenders reported 1,010 home-loan applications in Winchester city in 2025. 542 closed as loans ($169.2M), 100 were denied — a 14.8% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 17% of applications, led by Rocket Mortgage, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,010
- Loans originated
- 542
- Purchase / refinance
- 318 / 142
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Winchester city
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 59 | 5.8% | — |
| 2 | CROSSCOUNTRY MORTGAGE, INC. | 57 | 5.6% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 55 | 5.4% | — |
| 4 | Integrity Home Mortgage Corporation | 51 | 5.0% | — |
| 5 | Truist Bank 63 out of 100, Moderate | 43 | 4.3% | 40.8% |
| 6 | Navy Federal Credit Union 66 out of 100, Moderate | 41 | 4.1% | 32.9% |
| 7 | NEWREZ LLC | 38 | 3.8% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 38 | 3.8% | — |
| 9 | NVR Mortgage Finance, Inc. | 33 | 3.3% | — |
| 10 | Bank of Clarke | 29 | 2.9% | — |
| 11 | Atlantic Coast Mortgage, LLC | 20 | 2.0% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 20 | 2.0% | — |
| 13 | FIGURE LENDING LLC | 18 | 1.8% | — |
| 14 | CMG MORTGAGE, INC. | 17 | 1.7% | — |
| 15 | Apple Federal Credit Union 76 out of 100, Strong | 16 | 1.6% | 33.0% |
| 16 | FIRST BANK 67 out of 100, Moderate | 15 | 1.5% | 17.0% |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.4% | 14.1% |
| 18 | Mortgage Research Center, LLC | 13 | 1.3% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 1.1% | — |
| 20 | City National Bank of West Virginia 78 out of 100, Strong | 11 | 1.1% | 27.3% |
| 21 | GUILD MORTGAGE COMPANY | 10 | 1.0% | — |
| 22 | United Bank 74 out of 100, Strong | 10 | 1.0% | 20.3% |
| 23 | Loandepot.Com, LLC | 9 | 0.9% | — |
| 24 | Broker Solutions, Inc. | 9 | 0.9% | — |
| 25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | 0.8% | — |
| 26 | PLANET HOME LENDING, LLC | 8 | 0.8% | — |
| 27 | LENDINGONE, LLC | 8 | 0.8% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 8 | 0.8% | — |
| 29 | NextMortgage, LLC | 8 | 0.8% | — |
| 30 | 21st Mortgage Corporation | 7 | 0.7% | — |
| 31 | VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | 0.7% | — |
| 32 | PHH Mortgage Corporation | 7 | 0.7% | — |
| 33 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.6% | 22.2% |
| 34 | MOVEMENT MORTGAGE, LLC | 6 | 0.6% | — |
| 35 | PNC Bank, National Association 62 out of 100, Moderate | 6 | 0.6% | 33.8% |
| 36 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 6 | 0.6% | 45.9% |
| 37 | F & M BANK CORP. 70 out of 100, Strong | 6 | 0.6% | 3.6% |
| 38 | City Lending Inc. | 6 | 0.6% | — |
| 39 | Fairway Independent Mortgage Corporation | 5 | 0.5% | — |
| 40 | GUARANTEED RATE, INC. | 5 | 0.5% | — |
Top 40 of 182 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Virginia
- Fairfax County 40,597 apps
- Virginia Beach city 23,030 apps
- Prince William County 22,278 apps
- Loudoun County 22,017 apps
- Chesterfield County 20,714 apps
- Henrico County 15,494 apps
- Chesapeake city 14,973 apps
- Norfolk city 10,756 apps
- Spotsylvania County 9,422 apps
- Stafford County 9,411 apps
- Richmond city 7,953 apps
- Newport News city 7,787 apps