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Top refinance lenders in District of Columbia (2025)

Rate-and-term and cash-out refinance applications combined.

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
#LenderGradeRefinance applicationsApplicationsDenial rateMedian rate
1 Rocket MortgagePlymouth, MI C 434 671 20.7% 6.63%
2 NewrezWilmington, DE D 309 353 23.5% 6.63%
3 United Shore Financial ServicesPlymouth, MI B 205 327 17.4% 6.37%
4 Freedom MortgageBoca Raton, FL B 167 200 6.5% 5.88%
5 AmeriSave MortgageSandy Springs, GA D 159 163 63.8% 8.50%
6 Bank-Fund Staff Federal Credit UnionWashington, DC A 153 280 8.9% 6.50%
7 Navy Federal Credit UnionVienna, VA D 139 786 28.5% 7.75%
8 Truist BankCharlotte, NC C 135 529 41.2% 6.25%
9 JPMorgan Chase BankColumbus, OH B 126 459 7.6% 6.38%
10 PNC BankWilmington, DE D 126 467 31.5% 6.25%
11 Pennymac Loan ServicesWestlake Village, CA C 123 236 14.4% 6.12%
12 Guaranteed RateChicago, IL B 89 320 4.1% 6.50%
13 Loandepot.ComIrvine, CA D 86 169 28.4% 6.88%
14 Bank of AmericaCharlotte, NC F 86 546 33.2% 5.99%
15 Broker SolutionsTustin, CA D 84 152 10.5% 6.75%
16 First Savings MortgageMclean, VA A 76 544 0.9% 6.50%
17 Pentagon Federal Credit UnionMclean, VA F 71 210 37.6% 7.63%
18 Wells Fargo BankCharlotte, NC B 67 240 17.1% 6.13%
19 Carrington Mortgage ServicesOrange, CA D 63 70 54.3% 6.69%
20 Mortgage Research CenterColumbia, MO C 60 154 22.7% 5.99%
21 Velocity Commercial CapitalWestlake Village, CA B 57 67 0.0% 9.99%
22 United BankVienna, VA C 57 147 10.2% 5.99%
23 Loan FunderNew York, NY F 56 113 20.4% 10.25%
24 LendingoneBoca Raton, FL F 56 168 16.7% 7.59%
25 TD BankWilmington, DE D 54 191 23.6% 7.44%
26 Manufacturers and Traders TrustBuffalo, NY C 52 281 20.3% 5.88%
27 OCMBCIrvine, CA C 48 69 21.7% 7.00%
28 Nationstar MortgageCoppell, TX C 46 57 26.3% 6.56%
29 Lakeview Loan ServicingCoral Gables, FL C 44 64 60.9% 6.13%
30 Mutual of Omaha MortgageSan Diego, CA C 43 71 21.1% 6.00%
31 CitibankSioux Falls, SD B 43 417 9.6% 6.00%
32 Crosscountry MortgageCleveland, OH B 42 180 7.8% 6.63%
33 Atlantic Union BankGlen Allen, VA C 40 165 17.0% 6.63%
34 First National Bank of PennsylvaniaHermitage, PA B 39 152 24.3% 6.25%
35 Movement MortgageLancaster, SC A 39 169 2.4% 6.25%
36 Fairway Independent MortgageMadison, WI B 37 171 2.9% 6.63%
37 Prosperity Home MortgageFairfax, VA A 37 268 2.2% 6.63%
38 PHH MortgageMount Laurel, NJ C 36 39 5.1% 6.25%
39 Wright Patman Congressional Federal Credit UnionOakton, VA D 35 78 12.8% 6.49%
40 Better MortgageNew York, NY F 35 142 34.5% 8.06%
41 Industrial BankWashington, DC D 34 51 31.4% 6.93%
42 LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC B 34 54 5.6% 6.02%
43 Guild MortgageSan Diego, CA A 33 103 4.9% 6.38%
44 Capital BankRockville, MD B 32 185 2.2% 6.75%
45 Citizens BankProvidence, RI C 31 192 35.4% 7.20%
46 CMG MortgageSan Ramon, CA A 30 109 1.8% 6.63%
47 Credit Union Mortgage AssociationWilmington, DE B 29 62 8.1% 5.88%
48 Sofi BankCottonwood Heights, UT D 27 108 12.0% 6.91%
49 Homexpress MortgageSanta Ana, CA C 26 42 57.1% 7.38%
50 Atlantic Coast MortgageFairfax, VA A 26 193 1.6% 6.56%

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.