Best mortgage lenders in District of Columbia
No lender is best for everyone, so this page ranks District of Columbia lenders on what federal records can measure: who makes the most loans here, who leads for FHA and VA, and what their District of Columbia borrowers paid. All figures are 2025 HMDA data; no lender pays to be listed.
Who leads for what in District of Columbia
"Most loans" and "Largest average loan" are among the 15 lenders with the most District of Columbia originations in 2025 (the latter counts lenders with at least 300 loans in the state); FHA and VA leaders count every lender's home-purchase loans.
The 15 lenders that made the most home loans in District of Columbia
| # | Lender | Type | Loans | FHA | VA | Avg loan | Approval* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | Nonbank lender | 469 | 9.2% | 4.5% | $376,599 | 77.1% |
| 2 | First Savings Mortgage Corporation | — | 451 | 1.3% | 3.5% | $764,379 | 98.9% |
| 3 | Chase | Bank | 307 | 0.3% | 0.7% | $1,242,785 | 89.8% |
| 4 | Navy Federal Credit Union | Credit union | 297 | 0.0% | 11.1% | $343,216 | 57.0% |
| 5 | Citibank, National Association | — | 281 | 0.0% | 0.4% | $1,460,480 | 87.5% |
| 6 | First Home Mortgage Corporation | — | 280 | 7.1% | 6.1% | $503,393 | 96.9% |
| 7 | Bank of America | Bank | 249 | 0.8% | 0.0% | $588,414 | 57.9% |
| 8 | Truist | Bank | 240 | 0.0% | 1.7% | $542,750 | 52.4% |
| 9 | Bank-Fund Staff Federal Credit Union | — | 220 | 0.0% | 0.0% | $504,091 | 89.8% |
| 10 | PNC Bank | Bank | 211 | 0.5% | 0.5% | $1,212,678 | 58.9% |
| 11 | Prosperity Home Mortgage | Nonbank lender | 210 | 2.4% | 10.5% | $636,048 | 97.2% |
| 12 | United Wholesale Mortgage | Nonbank lender | 198 | 19.7% | 18.7% | $515,404 | 77.6% |
| 13 | Guaranteed Rate (Rate) | Nonbank lender | 182 | 1.6% | 9.3% | $740,275 | 93.3% |
| 14 | M&T Bank | Bank | 172 | 3.5% | 2.9% | $662,267 | 75.1% |
| 15 | Atlantic Coast Mortgage, LLC | — | 148 | 2.7% | 6.8% | $577,702 | 98.0% |
Source: 2025 HMDA originations, FFIEC/CFPB. FHA/VA = share of each lender's District of Columbia loans. *Approval = originated ÷ (originated + denied); it mirrors a lender's channel and borrower mix, not how hard it is to qualify.
Also among the 25 lenders with the most HMDA filings here: PennyMac, Newrez, AmeriHome Mortgage Company, LLC, Freedom Mortgage, Wells Fargo, Citizens, TD Bank, PenFed Credit Union, Capital Bank, National Association, CrossCountry Mortgage.
FHA lenders in District of Columbia
299 FHA home-purchase loans were made in District of Columbia in 2025 by 84 lenders. The typical FHA buyer here paid $17,652 in loan costs, including the 1.75% upfront mortgage insurance premium, at a median rate of 6.375%. The ten lenders that made the most:
| # | Lender | FHA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Capital Bank, National Association | 26 | 8.7% | — | — |
| 2 | United Wholesale Mortgage | 21 | 7.0% | — | — |
| 3 | First Home Mortgage Corporation | 20 | 6.7% | — | — |
| 4 | CMG Home Loans | 13 | 4.3% | — | — |
| 5 | Lower, LLC | 13 | 4.3% | — | — |
| 6 | Rocket Mortgage | 13 | 4.3% | — | — |
| 7 | Direct Mortgage Loans, LLC | 12 | 4.0% | — | — |
| 8 | Movement Mortgage | 10 | 3.3% | — | — |
| 9 | Fairway Independent Mortgage | 8 | 2.7% | — | — |
| 10 | Guild Mortgage | 7 | 2.3% | — | — |
| All District of Columbia FHA buyers | 299 | 100% | $17,652 | +0.48 |
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien FHA home purchases in District of Columbia. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. How we compare lenders.
VA lenders in District of Columbia
386 VA home-purchase loans were made in District of Columbia in 2025 by 74 lenders. The typical VA buyer here paid $12,916 in loan costs (including the VA funding fee for borrowers who owe it) at a median rate of 6.125%. The ten lenders that made the most:
| # | Lender | VA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Veterans United | 55 | 14.2% | $10,902 | −0.57 |
| 2 | Navy Federal Credit Union | 29 | 7.5% | — | — |
| 3 | Prosperity Home Mortgage | 19 | 4.9% | — | — |
| 4 | Freedom Mortgage | 16 | 4.1% | — | — |
| 5 | Movement Mortgage | 16 | 4.1% | — | — |
| 6 | PennyMac | 15 | 3.9% | — | — |
| 7 | First Home Mortgage Corporation | 14 | 3.6% | — | — |
| 8 | First Savings Mortgage Corporation | 13 | 3.4% | — | — |
| 9 | Guaranteed Rate (Rate) | 13 | 3.4% | — | — |
| 10 | Loansteady LLC | 11 | 2.8% | — | — |
| All District of Columbia VA buyers | 386 | 100% | $12,916 | −0.42 |
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien VA home purchases in District of Columbia. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Data notes and limits.
How concentrated is the District of Columbia market?
486 institutions reported District of Columbia home-loan records for 2025 — the 8th-fewest of any state. The single most active lender accounts for 6.7% of all records and the top five for 21.9%, the 23rd-least concentrated market of 51. With volume spread across many lenders, there is plenty of room to shop beyond the biggest names.
How to choose a lender in District of Columbia
District of Columbia borrowers took FHA loans 5.5% of the time and VA loans 6.1% (U.S. 13.2% and 8.2%). Buying near $832,750 or above? 1 District of Columbia county has a higher conforming limit, so check which side of the jumbo line your county puts you on before comparing quotes.
Get Loan Estimates from three or more lenders in the same two-week window (one credit inquiry) and compare APRs. For down-payment help, ask whether they are approved for DCHFA's Home Purchase Assistance Program (HPAP) or DC Open Doors — only participating lenders can offer them (terms and sources).
District of Columbia lender FAQ
Who is the biggest mortgage lender in District of Columbia?
By 2025 federal HMDA data, Rocket Mortgage originated the most home loans in District of Columbia — about 469, or 5.0% of the state's originations.
Which lender makes the most FHA loans in District of Columbia?
Capital Bank, National Association made the most FHA home-purchase loans in District of Columbia in 2025 — 26, or 8.7% of the 299 FHA purchases made by 84 lenders. United Wholesale Mortgage (21) was second.
Which lender makes the most VA loans in District of Columbia?
Veterans United made the most VA home-purchase loans in District of Columbia in 2025 (55, 14.2% of the state's VA purchases). VA loans were 6.1% of District of Columbia originations, the 16th-lowest VA share among the states.
How much are closing costs on an FHA loan in District of Columbia?
The typical District of Columbia FHA buyer in 2025 paid $17,652 in total loan costs on a median $435,000 loan — lender fees, required third-party services and the 1.75% upfront mortgage insurance premium, per the Closing Disclosure.
That figure excludes recording taxes, prepaid interest and insurance, escrow deposits and the down payment.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
All lenders