District of Columbia Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 19,940 mortgage applications in District of Columbia totaling $11.9 billion, up 19% from 2024. The average application was for $595,000, and applicants reported an average income of $240,000. 46% of applications resulted in an originated loan and 15% were denied. The most active lenders were Bank of America NA (1,352 applications), JPMorgan Chase Bank, NA and Navy Federal Credit Union.
See the top mortgage lenders in District of Columbia, browse lending by metro area and by county, or see the mortgage lenders headquartered in District of Columbia and District of Columbia lenders by city.
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Download the District of Columbia mortgage lender list: a formatted spreadsheet with aggregated HMDA statistics for all District of Columbia based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into District of Columbia's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 19,940 |
| Total Mortgage Loan Application Amount | $11,878,095,000 |
| Average Mortgage Loan Application Amount | $595,000 |
| Highest Mortgage Loan Application Amount | $99,825,000 |
| Average Applicant Income | $240,000 |
| Highest Applicant Income | $8,250,000 |
Top 25 Mortgage Lenders in District of Columbia (2025)
Ranked by the number of mortgage applications each lender received for properties in District of Columbia in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of District of Columbia mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in District of Columbia.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bank of America NA Westlake Village, CA |
1,352 | $994,930,000 | $735,894 | $275,000 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
864 | $699,130,000 | $809,178 | $298,000 |
| 3 | Navy Federal Credit Union Vienna, VA |
787 | $236,865,000 | $300,972 | $176,000 |
| 4 | Truist Bank Raleigh, NC |
658 | $307,070,000 | $466,671 | $279,000 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
612 | $362,060,000 | $591,601 | $216,000 |
| 6 | PNC Bank N.A. Pittsburgh, PA |
569 | $159,090,000 | $279,595 | $190,000 |
| 7 | First Savings Mortgage Corporation McLean, VA |
544 | $410,520,000 | $754,632 | $294,000 |
| 8 | Citibank, NA New York, NY |
516 | $420,295,000 | $814,525 | $396,000 |
| 9 | Newrez LLC Fort Washington, PA |
488 | $209,800,000 | $429,918 | $171,000 |
| 10 | Guaranteed Rate, Inc. Chicago, IL |
401 | $277,615,000 | $692,306 | $293,000 |
| 11 | First Home Mortgage Baltimore, MD |
366 | $182,040,000 | $497,377 | $179,000 |
| 12 | United Wholesale Mortgage Plymouth, MI |
327 | $160,735,000 | $491,544 | $160,000 |
| 13 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
312 | $162,570,000 | $521,057 | $158,000 |
| 14 | Bank Fund Staff Federal Credit Washington, DC |
287 | $141,955,000 | $494,616 | $266,000 |
| 15 | M&T Bank Buffalo, NY |
285 | $168,635,000 | $591,701 | $279,000 |
| 16 | Freedom Mortgage Corporation Boca Raton, FL |
274 | $151,540,000 | $553,065 | $167,000 |
| 17 | Prosperity Home Mortgage, LLC Chantilly, VA |
268 | $169,430,000 | $632,201 | $269,000 |
| 18 | Wells Fargo Bank NA Minneapolis, MN |
249 | $333,515,000 | $1,339,417 | $339,000 |
| 19 | Citizens Bank, NA Providence, RI |
211 | $109,215,000 | $517,606 | $327,000 |
| 20 | TD Bank Mount Laurel, NJ |
210 | $89,660,000 | $426,952 | $281,000 |
| 21 | Pentagon Federal Credit Union Omaha, NE |
210 | $60,220,000 | $286,761 | $238,000 |
| 22 | Atlantic Coast Mortgage, LLC Fairfax, VA |
195 | $110,415,000 | $566,230 | $222,000 |
| 23 | Capital Bank, N.A. Rockville, MD |
185 | $104,675,000 | $565,810 | $118,000 |
| 24 | Crosscountry Mortgage, LLC Cleveland, OH |
181 | $117,865,000 | $651,187 | $260,000 |
| 25 | Fairway Independent Mort Corp Madison, WI |
177 | $104,935,000 | $592,853 | $225,000 |
The tables below break down 2025 mortgage applications in District of Columbia by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for District of Columbia in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 10,272 | $7,009,655,000 | $682,000 | $93,005,000 | $260,000 | $8,250,000 |
| Refinancing | 3,322 | $2,738,915,000 | $825,000 | $99,825,000 | $268,000 | $4,971,000 |
| Cash-out Refinancing | 2,935 | $1,318,840,000 | $449,000 | $41,485,000 | $171,000 | $2,338,000 |
| Home Improvement | 1,690 | $393,830,000 | $233,000 | $54,005,000 | $218,000 | $5,100,000 |
| Other Purpose | 1,664 | $396,900,000 | $238,000 | $9,255,000 | $229,000 | $5,242,000 |
| Not Applicable | 57 | $19,955,000 | $350,000 | $3,405,000 | $93,000 | $379,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6,030 | $3,825,320,000 | $634,000 | $9,105,000 | $310,000 | $8,250,000 |
| Black or African American | 4,473 | $1,524,345,000 | $340,000 | $5,435,000 | $156,000 | $4,500,000 |
| Not applicable | 3,891 | $3,776,330,000 | $972,000 | $99,825,000 | $241,000 | $4,708,000 |
| Not Provided | 3,256 | $1,632,450,000 | $501,000 | $11,255,000 | $238,000 | $6,919,000 |
| Hispanic | 1,205 | $515,545,000 | $427,000 | $3,125,000 | $187,000 | $2,038,000 |
| Asian | 983 | $562,875,000 | $572,000 | $3,425,000 | $259,000 | $2,778,000 |
| American Indian or Alaskan Native | 81 | $32,775,000 | $404,000 | $2,245,000 | $186,000 | $608,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $8,150,000 | $407,000 | $1,175,000 | $181,000 | $322,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 17,283 | $10,346,350,000 | $598,000 | $99,825,000 | $251,000 | $8,250,000 |
| FHA-insured (Federal Housing Administration) | 1,427 | $689,675,000 | $483,000 | $35,985,000 | $129,000 | $1,258,000 |
| VA-guaranteed (Veterans Administration) | 1,229 | $841,985,000 | $685,000 | $3,125,000 | $192,000 | $1,874,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $115,000 | $115,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 9,229 | $6,171,200,000 | $669,000 | $99,825,000 | $263,000 | $7,012,000 |
| Loan Purchased By The Institution | 3,296 | $2,179,440,000 | $661,000 | $3,645,000 | $259,000 | $4,708,000 |
| Application Withdrawn By Applicant | 2,969 | $1,816,215,000 | $611,000 | $93,005,000 | $234,000 | $8,250,000 |
| Application Denied By Financial Institution | 2,955 | $1,008,095,000 | $341,000 | $9,255,000 | $178,000 | $4,500,000 |
| File Closed For Incompleteness | 1,018 | $466,970,000 | $458,000 | $16,045,000 | $214,000 | $4,236,000 |
| Application Approved But Not Accepted | 422 | $209,440,000 | $496,000 | $4,175,000 | $222,000 | $2,360,000 |
| Preapproval Approved but not Accepted | 43 | $22,935,000 | $533,000 | $1,275,000 | $200,000 | $528,000 |
| Preapproval Denied by Financial Institution | 8 | $3,800,000 | $475,000 | $905,000 | $148,000 | $305,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 16,847 | $10,546,990,000 | $626,000 | $93,005,000 | $252,000 | $8,250,000 |
| Debt-To-Income Ratio | 981 | $633,815,000 | $646,000 | $99,825,000 | $138,000 | $3,500,000 |
| Collateral | 589 | $209,495,000 | $355,000 | $5,605,000 | $220,000 | $2,757,000 |
| Credit History | 584 | $153,790,000 | $263,000 | $2,405,000 | $184,000 | $4,500,000 |
| Credit Application Incomplete | 403 | $126,915,000 | $314,000 | $3,505,000 | $198,000 | $3,744,000 |
| Other | 315 | $110,385,000 | $352,000 | $4,105,000 | $233,000 | $4,070,000 |
| Unverifiable Information | 137 | $59,485,000 | $434,000 | $5,105,000 | $176,000 | $2,193,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 52 | $25,170,000 | $484,000 | $3,505,000 | $174,000 | $870,000 |
| Employment History | 30 | $11,190,000 | $373,000 | $1,105,000 | $118,000 | $586,000 |
| Mortgage Insurance Denied | 2 | $860,000 | $430,000 | $565,000 | $132,000 | $132,000 |
Mortgage Loan Application Totals in 2025 by District of Columbia Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington, DC-MD | 19,940 | $ 11,878,095,000 | $ 595,000 | $ 240,000 |
| Washington-Baltimore-Arlington, DC | n/a | $ n/a | $ n/a | $ n/a |
Mortgage Loan Application Totals in 2025 by District of Columbia County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| District of Columbia | 19,940 | $ 11,878,095,000 | $ 595,000 | $ 240,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into District of Columbia's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of District of Columbia's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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