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Top-rated mortgage lenders in District of Columbia (2025)

Lenders with the highest composite grade: approval odds, pricing, process and closing costs, each ranked against peers of the same kind and size.

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
#LenderGradeGradeApplicationsDenial rateMedian rate
1 First Savings MortgageMclean, VA A 82.6 score 544 0.9% 6.50%
2 Atlantic Coast MortgageFairfax, VA A 79.6 score 193 1.6% 6.56%
3 Movement MortgageLancaster, SC A 75.4 score 169 2.4% 6.25%
4 Bank-Fund Staff Federal Credit UnionWashington, DC A 74.6 score 280 8.9% 6.50%
5 CMG MortgageSan Ramon, CA A 73.7 score 109 1.8% 6.63%
6 First Heritage MortgageFairfax, VA A 71.6 score 117 2.6% 6.38%
7 Vellum MortgageFairfax, VA A 71.1 score 156 1.3% 6.49%
8 Guild MortgageSan Diego, CA A 70.8 score 103 4.9% 6.38%
9 Prosperity Home MortgageFairfax, VA A 69.9 score 268 2.2% 6.63%
10 LoansteadyMclean, VA A 69.8 score 126 4.8% 6.38%
11 United Shore Financial ServicesPlymouth, MI B 67.5 score 327 17.4% 6.37%
12 JPMorgan Chase BankColumbus, OH B 65.3 score 459 7.6% 6.38%
13 Fairway Independent MortgageMadison, WI B 64.5 score 171 2.9% 6.63%
14 Guaranteed RateChicago, IL B 62.3 score 320 4.1% 6.50%
15 First Home MortgageBaltimore, MD B 58.6 score 359 2.5% 6.63%
16 Freedom MortgageBoca Raton, FL B 56.7 score 200 6.5% 5.88%
17 Capital BankRockville, MD B 56.6 score 185 2.2% 6.75%
18 Crosscountry MortgageCleveland, OH B 56.5 score 180 7.8% 6.63%
19 First National Bank of PennsylvaniaHermitage, PA B 54.7 score 152 24.3% 6.25%
20 Wells Fargo BankCharlotte, NC B 54.4 score 240 17.1% 6.13%
21 CitibankSioux Falls, SD B 53.3 score 417 9.6% 6.00%
22 Mortgage Research CenterColumbia, MO C 50.8 score 154 22.7% 5.99%
23 TOWER Federal Credit UnionLaurel, MD C 49.9 score 111 28.8% 7.00%
24 Manufacturers and Traders TrustBuffalo, NY C 49.2 score 281 20.3% 5.88%
25 Fulton BankLancaster, PA C 47.4 score 105 15.2% 6.38%
26 Atlantic Union BankGlen Allen, VA C 47.1 score 165 17.0% 6.63%
27 Pennymac Loan ServicesWestlake Village, CA C 47.0 score 236 14.4% 6.12%
28 United BankVienna, VA C 45.5 score 147 10.2% 5.99%
29 Rocket MortgagePlymouth, MI C 43.7 score 671 20.7% 6.63%
30 Truist BankCharlotte, NC C 33.1 score 529 41.2% 6.25%
31 Loandepot.ComIrvine, CA D 32.9 score 169 28.4% 6.88%
32 Citizens BankProvidence, RI C 32.7 score 192 35.4% 7.20%
33 U.S. BankCincinnati, OH D 29.4 score 100 38.0% 6.49%
34 Broker SolutionsTustin, CA D 28.6 score 152 10.5% 6.75%
35 NewrezWilmington, DE D 28.2 score 353 23.5% 6.63%
36 TD BankWilmington, DE D 26.7 score 191 23.6% 7.44%
37 Sofi BankCottonwood Heights, UT D 25.7 score 108 12.0% 6.91%
38 PNC BankWilmington, DE D 23.7 score 467 31.5% 6.25%
39 Navy Federal Credit UnionVienna, VA D 23.6 score 786 28.5% 7.75%
40 Pentagon Federal Credit UnionMclean, VA F 18.6 score 210 37.6% 7.63%
41 Spring EqConshohocken, PA D 17.5 score 148 54.1% 8.95%
42 AmeriSave MortgageSandy Springs, GA D 16.7 score 163 63.8% 8.50%
43 Better MortgageNew York, NY F 16.3 score 142 34.5% 8.06%
44 Bank of AmericaCharlotte, NC F 11.5 score 546 33.2% 5.99%
45 Loan FunderNew York, NY F 8.3 score 113 20.4% 10.25%
46 LendingoneBoca Raton, FL F 0.8 score 168 16.7% 7.59%

How this list is built

Lenders are ordered by composite grade score: approval odds (45%), pricing (30%), process (15%) and closing costs (10%), each a percentile rank against peers of the same product type and size. A lender needs at least 100 decided applications in 2025 to be graded. All figures come from the lenders' own HMDA filings. Full methodology.