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Top home equity lenders in District of Columbia (2025)

Open-end home equity lines of credit. Denial rates run far higher on HELOCs than on purchase mortgages, so compare these lenders only with each other.

17kApplications in DC
23.7%State decision denial rate
6.50%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
District of Columbia ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeHELOC applicationsApplicationsDenial rateMedian rate
1 Navy Federal Credit UnionVienna, VA D 217 786 28.5% 7.75%
2 PNC BankWilmington, DE D 119 467 31.5% 6.25%
3 Truist BankCharlotte, NC C 110 529 41.2% 6.25%
4 Bank of AmericaCharlotte, NC F 94 546 33.2% 5.99%
5 Spring EqConshohocken, PA D 86 148 54.1% 8.95%
6 Better MortgageNew York, NY F 69 142 34.5% 8.06%
7 Pennymac Loan ServicesWestlake Village, CA C 59 236 14.4% 6.12%
8 Sofi BankCottonwood Heights, UT D 56 108 12.0% 6.91%
9 Loandepot.ComIrvine, CA D 54 169 28.4% 6.88%
10 Figure LendingCharlotte, NC C 50 93 24.7% 9.15%
11 Citizens BankProvidence, RI C 47 192 35.4% 7.20%
12 State Employees Credit Union of MarylandLinthicum, MD D 37 83 41.0% 5.88%
13 U.S. BankCincinnati, OH D 32 100 38.0% 6.49%
14 Pentagon Federal Credit UnionMclean, VA F 27 210 37.6% 7.63%
15 TD BankWilmington, DE D 25 191 23.6% 7.44%
16 CitibankSioux Falls, SD B 24 417 9.6% 6.00%
17 TOWER Federal Credit UnionLaurel, MD C 23 111 28.8% 7.00%
18 Discover BankGreenwood, DE F 22 40 60.0% 9.00%
19 Lafayette Federal Credit UnionRockville, MD C 21 53 17.0% 7.50%
20 Broker SolutionsTustin, CA D 19 152 10.5% 6.75%
21 Manufacturers and Traders TrustBuffalo, NY C 19 281 20.3% 5.88%
22 Morgan Stanley Private BankNew York, NY A 17 68 4.4% 5.75%
23 Lakeview Loan ServicingCoral Gables, FL C 16 64 60.9% 6.13%
24 JPMorgan Chase BankColumbus, OH B 16 459 7.6% 6.38%
25 Rocket MortgagePlymouth, MI C 16 671 20.7% 6.63%
26 Third Federal Savings and Loan Association of ClevelandCleveland, OH C 15 40 22.5% 6.99%
27 Wright Patman Congressional Federal Credit UnionOakton, VA D 15 78 12.8% 6.49%
28 Homebridge Financial ServicesIselin, NJ B 13 29 20.7% 10.79%
29 Mission LoansColumbus, OH D 12 21 0.0% 11.75%
30 RCN CapitalSouth Windsor, CT D 12 45 71.1% 10.52%
31 Mutual of Omaha MortgageSan Diego, CA C 12 71 21.1% 6.00%
32 Easy Street CapitalAustin, TX A 11 11 0.0% 9.90%
33 Guaranteed RateChicago, IL B 11 320 4.1% 6.50%
34 Commonwealth OneAlexandria, VA D 10 16 62.5% 7.31%
35 Atlantic Union BankGlen Allen, VA C 10 165 17.0% 6.63%
36 Bethpage Federal Credit UnionBethpage, NY C 9 28 35.7% 8.00%
37 Wells Fargo BankCharlotte, NC B 9 240 17.1% 6.13%
38 Apple Federal Credit UnionFairfax, VA D 8 22 36.4% 7.49%
39 JUSTICE Federal Credit UnionChantilly, VA C 8 27 7.4% 7.50%
40 UBS Bank USASalt Lake City, UT A 8 32 3.1% 5.88%
41 United States Senate Federal Credit UnionAlexandria, VA A 8 37 10.8% 7.50%
42 First National Bank of PennsylvaniaHermitage, PA B 8 152 24.3% 6.25%
43 FEDCHOICE Federal Credit UnionLanham, MD C 7 17 35.3% 8.25%
44 State Department Federal Credit UnionAlexandria, VA C 7 81 23.5% 6.99%
45 Finance of America ReverseTulsa, OK C 6 15 0.0% 6.75%
46 Transportation Federal Credit UnionAlexandria, VA D 6 19 31.6% 8.00%
47 Pinnacle BankNashville, TN B 6 19 26.3% 6.00%
48 Library of CongressWashington, DC B 6 19 0.0% 3.50%
49 Crosscountry MortgageCleveland, OH B 6 180 7.8% 6.63%
50 NFMLinthicum, MD A 5 98 4.1% 6.63%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.