District of Columbia mortgage lenders: applications, originations, denial rate and counties, 2024

States › District of Columbia

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. Record year 2024.

District of Columbia had 15,165 HMDA-reported mortgage applications and 8,406 originations ($5.9bn) in 2024, from 97 lenders with at least 25 applications in the state.

The statewide denial rate was 25.1% (national 24.3%) and the median rate spread 0.1 percentage points (national 0.3). Originations ran at 25.9 per 1,000 households, against 48.0 nationally.

Originations in the state went from 15,397 in 2018 to 8,406 in 2024; the denial rate moved from 24.5% to 25.1%.

The most active lenders by originations were First Savings Mortgage Corporation (433), Rocket Mortgage (389) and JPMorgan Chase Bank, NA (373).

15,165applications, 2024

8,406loans originated$5.9bn

25.1%denial rateUS 24.3%

25.9originations per 1,000 householdsUS 48.0

Most active lenders in District of Columbia

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	First Savings Mortgage Corporation	510	433	$292m	1.8%	0.2
2	Rocket Mortgage	547	389	$148m	20.8%	0.4
3	JPMorgan Chase Bank, NA	517	373	$287m	8.6%	-0.0
4	First Home Mortgage	439	325	$158m	5.8%	0.2
5	Navy Federal Credit Union	719	266	$84m	45.9%	0.6
6	Bank of America NA	567	228	$112m	46.9%	0.3
7	Citibank, NA	343	213	$235m	15.2%	-0.3
8	Prosperity Home Mortgage, LLC	266	212	$120m	4.5%	0.1
9	Bank Fund Staff Federal Credit	325	211	$105m	9.1%	-0.2
10	Truist Bank	465	205	$108m	46.7%	0.0
11	PNC Bank N.A.	449	204	$103m	38.6%	0.9
12	United Wholesale Mortgage	261	175	$98m	17.6%	0.1
13	Guaranteed Rate, Inc.	225	163	$130m	2.4%	0.0
14	Crosscountry Mortgage, LLC	198	138	$81m	0.7%	0.3
15	Newrez LLC	341	134	$69m	31.2%	0.4
16	Atlantic Coast Mortgage, LLC	161	128	$75m	3.8%	0.1
17	TD Bank	234	126	$58m	31.7%	0.4
18	Movement Mortgage, LLC	176	125	$73m	3.3%	0.0
19	M&T Bank	203	121	$87m	28.6%	-0.1
20	Sandy Spring Bank	186	118	$60m	19.5%	0.2
21	Wells Fargo Bank NA	213	115	$89m	26.8%	-0.1
22	Vellum Mortgage, Inc.	144	114	$70m	3.3%	0.1
23	Capital Bank, N.A.	158	113	$66m	3.4%	0.4
24	CBNA Year to Date	190	100	$54m	31.8%	0.3
25	United Bank	142	96	$58m	13.2%	0.1
26	Fairway Independent Mort Corp	124	89	$57m	6.3%	0.1
27	Pennymac Loan Services LLC	189	86	$49m	25.8%	0.2
28	Pentagon Federal Credit Unioin	230	78	$18m	54.6%	0.9
29	First National Bank of Pa	106	73	$47m	26.0%	-0.0
30	Intercoastal Mortgage, LLC	96	72	$40m	2.4%	0.1
31	Kiavi Funding, Inc.	111	70	$37m	19.8%	—
32	Embrace Home Loans, Inc.	94	66	$48m	4.1%	0.3
33	Tower Federal Credit Union	125	63	$12m	41.8%	-0.3
34	Bay Equity LLC	87	63	$31m	7.2%	0.1
35	Loandepot.com, LLC	121	62	$29m	40.2%	0.1
36	Morgan Stanley Private Bank NA	82	61	$75m	1.4%	-0.5
37	Fulton Bank, National Association	121	60	$39m	29.9%	0.1
38	First Heritage Mortgage, LLC	81	58	$37m	1.7%	-0.0
39	NFM, Inc	74	57	$31m	5.0%	0.2
40	Wright Patman Congressional FCU	78	56	$15m	14.9%	6.8
41	Us Bank, N.A.	104	52	$35m	38.4%	0.2
42	Lower, LLC	75	51	$20m	13.3%	0.0
43	Originpoint, LLC	58	46	$37m	0.0%	0.1
44	Freedom Mortgage Corporation	97	45	$23m	20.7%	-0.0
45	United Nations Federal CU	97	44	$30m	10.2%	-0.4
46	Loansteady LLC	53	44	$24m	0.0%	-0.1
47	State Employees Credit Union of Maryland	81	43	$28m	41.3%	-0.4
48	Ameris Bank	57	42	$15m	10.6%	-0.1
49	Mutual of Omaha Mortgage	70	41	$20m	28.1%	0.2
50	Mortgage Research Center	93	40	$19m	31.0%	-0.4
51	Third Federal Savings and Loan	75	40	$7.3m	38.8%	-0.6
52	State Departmenet Federal Credit Union	83	39	$8.9m	33.8%	-0.6
53	CMG Mortgage Inc	71	38	$22m	11.8%	0.1
54	TowneBank	52	35	$19m	5.4%	0.1
55	Direct Mortgage Loans, LLC	49	35	$14m	0.0%	0.3
56	National Cooperative Bank, N.A.	51	34	$12m	5.4%	-0.1
57	Credit Union Mortgage Associat	69	32	$16m	17.5%	-0.6
58	Industrial Bank	57	31	$46m	39.6%	—
59	Amerisave Mortgage Company	209	28	$4.8m	84.0%	—
60	Velocity Commercial Capital LLC	55	27	$20m	3.6%	—

Top 60 of 97 lenders with at least 25 applications in the state, by originations. 38 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

Measure	District of Columbia	United States
Denial rate	25.1%	24.3%
Median rate spread, pp	0.1	0.3
Originations with spread of 1.5 pp or more	10.2%	15.6%
Average originated loan	$707k	$329k
Originations per 1,000 households	25.9	48.0
Home purchase share of originations	65.0%	57.0%
FHA-insured share	5.1%	13.4%
VA-guaranteed share	5.5%	7.9%

Trend, 2018–2024

ApplicationsOriginations

Applications and originations in District of Columbia by year

District of ColumbiaUnited States

Denial rate by year, US dashed

FHA share of originationsVA share

FHA-insured and VA-guaranteed shares of originations in District of Columbia by year

Year	Applications	Originations	Amount	Denial rate	FHA	VA	Refinance share
2018	26,280	15,397	$8.1bn	24.5%	4.7%	3.4%	30.8%
2019	31,358	19,286	$11bn	20.1%	4.1%	4.3%	43.9%
2020	50,607	32,504	$18bn	15.2%	3.0%	5.3%	66.3%
2021	48,291	31,729	$18bn	14.6%	3.0%	4.7%	62.0%
2022	24,043	14,293	$10.0bn	21.3%	4.0%	3.7%	29.9%
2023	15,273	8,616	$6.1bn	25.0%	5.1%	4.6%	16.1%
2024	15,165	8,406	$5.9bn	25.1%	5.1%	5.5%	21.6%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 65% (5,466)Home improvement 8% (649)Refinancing 11% (926)Cash-out refinancing 11% (888)Other purpose 6% (474)

By type

Conventional 89% (7,518)FHA 5% (427)VA 5% (461)

Counties

County	Applications	Originations	Per 1,000 households	Denial rate	Median spread	Lenders
District of Columbia	15,016	8,361	25.8	25.2%	0.1	96

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of District of Columbia originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in District of Columbia?

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). 97 lenders had at least 25 applications in the state.

What is the mortgage denial rate in District of Columbia?

25.1% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in District of Columbia changed since 2018?

Originations went from 15,397 in 2018 to 8,406 in 2024; the denial rate moved from 24.5% to 25.1%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.