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District of Columbia, District of Columbia
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 15,016 mortgage applications in District of Columbia, District of Columbia, for 2024, and originated 8,361 loans worth $5.8bn.
That is 25.8 originations per 1,000 households, against 25.9 for District of Columbia and 48.0 nationally.
The county's denial rate was 25.2%, close to the state rate of 25.1%. The median rate spread on originated loans was 0.1 percentage points and 10.2% of originations were 1.5 points or more above the average prime offer rate.
96 lenders reached 25 applications in the county; the most active by originations were First Savings Mortgage Corporation (433), Rocket Mortgage (389) and JPMorgan Chase Bank, NA (373).
Originations were about level with 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 96. Denial rate is denials over decided applications in this county.
Compared with District of Columbia and the nation
| Measure | This county | District of Columbia | United States |
|---|---|---|---|
| Denial rate | 25.2% | 25.1% | 24.3% |
| Median rate spread, pp | 0.1 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.2% | 10.2% | 15.6% |
| Average originated loan | $694k | $707k | $329k |
| Originations per 1,000 households | 25.8 | 25.9 | 48.0 |
| Home purchase share of originations | 65.1% | 65.0% | 57.0% |
| FHA-insured share | 5.1% | 5.1% | 13.4% |
| VA-guaranteed share | 5.5% | 5.5% | 7.9% |
Rate spread distribution
Share of 7,451 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: District of Columbia). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 65% (5,447)Home improvement 8% (649)Refinancing 11% (910)Cash-out refinancing 11% (886)Other purpose 6% (468)
By type
Conventional 89% (7,473)FHA 5% (427)VA 6% (461)
Trend by year
ApplicationsOriginations
This countyDistrict of Columbia
Questions and answers
Which lenders are most active in District of Columbia, DC?
By 2024 originations: First Savings Mortgage Corporation (433), Rocket Mortgage (389), JPMorgan Chase Bank, NA (373), First Home Mortgage (325), Navy Federal Credit Union (266). 96 lenders had at least 25 applications in the county.
What is the mortgage denial rate in District of Columbia?
25.2% of decided applications were denied in 2024, against 25.1% across District of Columbia and 24.3% nationally.
How many mortgages were originated in District of Columbia in 2024?
8,361 loans totalling $5.8bn, from 15,016 applications; 25.8 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 11001; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.