Mortgage lending in Winchester city, Virginia
Lenders in Winchester city, Virginia reported 869 mortgage applications for 2025, according to the CFPB.
869 mortgage applications and 542 loans originated in 2025; the denial rate was 14.8% of 675 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Winchester, VA-WV MSA.
- 869
- Applications
- 542
- Loans originated
- 14.8%
- Denial rate
- 100 denied of 675 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 869 | 542 |
| 2024 | 819 | 501 |
| 2023 | 703 | 415 |
| 2022 | 832 | 501 |
| 2021 | 1,565 | 1,033 |
| 2020 | 1,314 | 835 |
| 2019 | 899 | 580 |
| 2018 | 808 | 511 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 46 | 58 |
| Crosscountry Mortgage, LLC | 43 | 57 |
| Integrity Home Mortgage Corporation | 39 | 51 |
| NVR Mortgage Finance, Inc. | 28 | 33 |
| Navy Federal Credit Union | 24 | 41 |
| United Wholesale Mortgage | 24 | 38 |
| Bank of Clarke | 23 | 29 |
| Truist Bank | 17 | 40 |
| Atlantic Coast Mortgage, LLC | 15 | 20 |
| Apple Federal Credit Union | 11 | 16 |
| Pennymac Loan Services LLC | 10 | 22 |
| First Bank | 9 | 15 |
| Primelending | 8 | 8 |
| Guild Mortgage Company | 8 | 10 |
| City National Bank of WV | 8 | 11 |
| United Bank VA | 8 | 9 |
| Nextmortgage, LLC | 6 | 8 |
| Figure Lending LLC | 5 | 13 |
| Movement Mortgage, LLC | 5 | 6 |
| Mortgage Research Center | 5 | 13 |
| CMG Mortgage Inc | 5 | 7 |
| Farmers & Merchants Bank | 5 | 6 |
| Lima One Capital, LLC | 4 | 5 |
| loanDepot.com LLC | 4 | 9 |
| Nationstar Mortgage | 4 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 63 | no rate: base under 50 |
| Black or African American | 51 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 554 | 11.7% of 444 decided |
| 2 or more minority races | under 10 | |
| Joint | 25 | no rate: base under 50 |
| Race Not Available | 169 | 21.7% of 120 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 124 | 19.8% of 91 decided |
| Not Hispanic or Latino | 569 | 13.0% of 453 decided |
| Joint | 19 | no rate: base under 50 |
| Ethnicity Not Available | 157 | 18.3% of 115 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 312 | 17.8% of 230 decided |
| Female | 185 | 19.2% of 146 decided |
| Joint | 266 | 9.5% of 222 decided |
| Sex Not Available | 106 | 13.0% of 77 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 334 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved