Top mortgage lenders in District of Columbia
These are the most active mortgage lenders in District of Columbia by 2025 federal HMDA volume — the banks, credit unions and nonbank lenders that wrote the most home loans in the state. Volume isn't the same as the best deal for you, so use it as a shortlist, then compare quotes.
| # | Lender | Type | 2025 loans |
|---|---|---|---|
| 1 | Bank of America | Bank | 1,352 |
| 2 | Chase | Bank | 864 |
| 3 | Rocket Mortgage | Nonbank lender | 792 |
| 4 | Navy Federal Credit Union | Credit union | 787 |
| 5 | Truist | Bank | 658 |
| 6 | PennyMac | Nonbank lender | 612 |
| 7 | PNC Bank | Bank | 569 |
| 8 | First Savings Mortgage Corporation | — | 544 |
| 9 | Citibank, National Association | — | 516 |
| 10 | Newrez | Nonbank lender | 488 |
| 11 | Guaranteed Rate (Rate) | Nonbank lender | 401 |
| 12 | Bank-Fund Staff Federal Credit Union | — | 396 |
| 13 | First Home Mortgage Corporation | — | 366 |
| 14 | United Wholesale Mortgage | Nonbank lender | 327 |
| 15 | Amerihome Mortgage Company, LLC | — | 312 |
| 16 | M&T Bank | Bank | 285 |
| 17 | Freedom Mortgage | Nonbank lender | 274 |
| 18 | Prosperity Home Mortgage | Nonbank lender | 268 |
| 19 | Wells Fargo | Bank | 249 |
| 20 | Citizens | Bank | 211 |
| 21 | TD Bank | Bank | 210 |
| 22 | PenFed Credit Union | Credit union | 210 |
| 23 | Atlantic Coast Mortgage, LLC | — | 195 |
| 24 | Capital Bank, National Association | — | 185 |
| 25 | CrossCountry Mortgage | Nonbank lender | 181 |
Ranked by District of Columbia home-loan applications reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA), FFIEC/CFPB. A neutral measure of lending activity — not a quality score. Names we review link to a full lender review.
How to choose a lender in District of Columbia
The lender that writes the most loans isn't automatically the one that will quote you the lowest rate. Your rate depends on your credit, down payment and loan type — not a lender's market share. The reliable way to find the best deal is to get a Loan Estimate from three or more of these lenders in the same two-week window (it counts as a single credit inquiry) and compare the APRs.
Weigh national lenders and online brokers, which often lead on price, against District of Columbia banks and credit unions, which may offer relationship pricing and access to DCHFA programs. Start with the local benchmark and assistance below.
District of Columbia lender FAQ
Who is the biggest mortgage lender in District of Columbia?
By 2025 federal HMDA activity, Bank of America handled the most home loans in District of Columbia (about 1,352 applications reported). The biggest lender isn't automatically the cheapest for you, though — rankings reflect volume, not the rate you'd be quoted.
How many mortgage lenders operate in District of Columbia?
Hundreds of banks, credit unions and nonbank lenders report District of Columbia home loans each year under HMDA. The table above shows the most active by volume; you can also shop national lenders and local credit unions not listed here.
How were these District of Columbia lender rankings determined?
We ranked lenders by the number of District of Columbia home-loan applications each reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA) — a neutral public measure of lending activity in the state. It is not a quality score or an endorsement.
Should I use a local or national lender in District of Columbia?
Both can be competitive. National lenders and online brokers often lead on price and speed; local banks and credit unions may offer relationship pricing, DCHFA down-payment programs and in-person service.
Get a Loan Estimate from at least one of each and compare the APR.
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