Guaranteed Rate in District of Columbia vs the state
4.1%Denial rate-14.00 pts vs state
6.5%Decision denial rate-17.24 pts vs state
56.9%Origination rate+1.37 pts vs state
6.50%Median rate0.00 pts vs state
0.03Rate spread (pts)-0.02 pts vs state
$221kMedian applicant income
182Loans originated
13Denied
Trend in District of Columbia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 88 | 3.5% | 6.39% | #25 |
| 2024 | 225 | 163 | 1.8% | 6.58% | #16 |
| 2025 | 320 | 182 | 4.1% | 6.50% | #12 |
What Guaranteed Rate lends in District of Columbia
By loan purpose
By loan type
Why it denied District of Columbia applicants
Where in District of Columbia
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| District of Columbia | 320 | 182 | 13 | 4.1% |
Other large lenders in District of Columbia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 786 | 28.5% | 7.75% |
| Rocket Mortgage | C | 671 | 20.7% | 6.63% |
| Bank of America | F | 546 | 33.2% | 5.99% |
| First Savings Mortgage | A | 544 | 0.9% | 6.50% |
| Truist Bank | C | 529 | 41.2% | 6.25% |
| PNC Bank | D | 467 | 31.5% | 6.25% |
| JPMorgan Chase Bank | B | 459 | 7.6% | 6.38% |
| Citibank | B | 417 | 9.6% | 6.00% |
| First Home Mortgage | B | 359 | 2.5% | 6.63% |
| Newrez | D | 353 | 23.5% | 6.63% |
Frequently asked questions
District of Columbia: 320 applications in 2025, of which 182 were originated and 13 denied.
4.1% of all applications, or 6.5% of the applications it actually decided on. The District of Columbia statewide average across all lenders was 18.1%.
The median rate on loans Guaranteed Rate originated in District of Columbia in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate's own HMDA filing for properties located in District of Columbia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology