🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Company Lenders in Winchester
Updated February 5, 2026
Market Overview
30
Total Lenders
1,787
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,359 | +0.348% | 193 | |
2 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $4,257 | +0.110% | 65 | |
3 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,940 | +0.238% | 61 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,452 | +0.029% | 36 | |
5 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $990 | +0.196% | 18 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,897 | +0.043% | 92 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $4,418 | +0.249% | 13 | |
8 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $4,118 | +0.483% | 146 | |
9 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,881 | +0.351% | 82 | |
10 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $4,709 | +0.489% | 72 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,918 | +0.394% | 38 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,396 | +0.348% | 37 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,256 | +0.254% | 32 | |
14 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,366 | +0.660% | 14 | |
15 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Sound | $3,850 | +0.388% | 10 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,494 | +0.160% | 30 | |
17 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,932 | +0.358% | 27 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,317 | +0.107% | 26 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,680 | +0.492% | 20 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,842 | +0.638% | 18 | |
21 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,459 | +0.898% | 17 | |
22 | MILLENNIUM FINANCIAL GROUP, INC. | Strong | Sound | Sound | Strong | Sound | $2,556 | +0.324% | 14 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,722 | +0.337% | 11 | |
24 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,505 | +0.353% | 11 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,003 | +0.985% | 13 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,623 | +0.364% | 10 | |
27 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,867 | +0.886% | 24 | |
28 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,397 | +0.723% | 14 | |
29 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,335 | +0.250% | 13 | |
30 | CITY LENDING INC. | Sound | Mediocre | Sound | Sound | Strong | $5,329 | +0.767% | 28 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Winchester, VAConventional
No credit impact
3-minute process
100% free