District of Columbia Mortgage Lending in 2025
Explore residential mortgage lending activity in District of Columbia using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 7,109 actionable applications (Actions 1, 2, and 3).
How District of Columbia Compares
Key metrics: District of Columbia vs. U.S. (2025)
| Metric | District of Columbia | U.S. |
|---|---|---|
| Actionable Apps | 7,109 | 5,197,320 |
| Approval Rate | 87.37% | 82.12% |
| Denial Rate | 12.63% | 17.88% |
| Originations | 6,012 | 4,052,301 |
| Originated Volume | $4.07 Billion | $1.58 Trillion |
| Median Loan | $565,000 | $325,000 |
Lending Trends in District of Columbia
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 8,787 | 9,371 | +6.65% |
| Actionable Apps | 6,744 | 7,109 | +5.41% |
| Originations | 5,655 | 6,012 | +6.31% |
| Approval Rate | 87.04% | 87.37% | +0.33 pp |
| Denial Rate | 12.96% | 12.63% | -0.33 pp |
| Median Loan | $545,000 | $565,000 | +3.67% |
| Dollar Volume | $3.65 Billion | $4.07 Billion | +11.65% |
Applications by Borrower Income (District of Columbia)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 1,426 | 85.83% | 14.17% |
| $150k+ | 4,121 | 92.43% | 7.57% |
| $50k–$99,999 | 1,117 | 77.53% | 22.47% |
| <$50k | 180 | 47.78% | 52.22% |
| Income unavailable/entity | 265 | 85.28% | 14.72% |
Metropolitan Areas in District of Columbia
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Washington | 27,032 | 20,738 | 80.59% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in District of Columbia (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | First Savings Mortgage Corporation | 427 | 99.07% |
| 2 | ROCKET MORTGAGE | 302 | 78.54% |
| 3 | First Home Mortgage | 264 | 96.75% |
| 4 | Citibank, NA | 253 | 93.19% |
| 5 | JPMorgan Chase Bank, NA | 245 | 89.36% |
| 6 | PROSPERITY HOME MORTGAGE, LLC | 192 | 97.96% |
| 7 | GUARANTEED RATE, INC. | 158 | 96.99% |
| 8 | United Wholesale Mortgage | 157 | 83.94% |
| 9 | M&T BANK | 133 | 95.00% |
| 10 | ATLANTIC COAST MORTGAGE, LLC | 132 | 98.62% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
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