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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 FHA Mortgage Company Lenders in Winchester
Updated February 5, 2026
Market Overview
26
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 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $4,257 | +0.110% | 65 | |
2 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $990 | +0.196% | 18 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,897 | +0.043% | 92 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,932 | +0.358% | 27 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,927 | +0.171% | 26 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,359 | +0.348% | 193 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,452 | +0.029% | 36 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,233 | -0.139% | 12 | |
9 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,118 | +0.483% | 146 | |
10 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,709 | +0.489% | 72 | |
11 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,940 | +0.238% | 61 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,918 | +0.394% | 38 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,396 | +0.348% | 37 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,256 | +0.254% | 32 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,317 | +0.107% | 26 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,867 | +0.886% | 24 | |
17 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,366 | +0.660% | 14 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,166 | +0.157% | 13 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,494 | +0.160% | 30 | |
20 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,459 | +0.898% | 17 | |
21 | GO MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,881 | +0.351% | 82 | |
22 | CITY LENDING INC. | Strong | Mediocre | Strong | Exceptional | Strong | $5,329 | +0.767% | 28 | |
23 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $3,304 | +0.483% | 17 | |
24 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,397 | +0.723% | 14 | |
25 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,842 | +0.638% | 18 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,003 | +0.985% | 13 |
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.
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