Refinancing lenders in District of Columbia
1,443 refinancing mortgages were made in District of Columbia, District of Columbia, in 2025, by 279 lenders. The median rate their borrowers got was 6.125% on a median loan of $585,000. Of 2,025 decisions, 498 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 77 | 5.990% | $575,000 | 29.2% |
| Truist Bank | 63 | 6.340% | $225,000 | 41.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 63 | 5.816% | $605,000 | 9.6% |
| PNC Bank, National Association | 58 | 6.250% | $155,000 | 39.4% |
| FIRST SAVINGS MORTGAGE CORPORATION | 50 | 6.375% | $815,000 | 0.0% |
| Bank of America, National Association | 47 | 5.990% | $275,000 | 30.9% |
| JPMorgan Chase Bank, National Association | 47 | 6.125% | $595,000 | 12.7% |
| FREEDOM MORTGAGE CORPORATION | 46 | 5.933% | $560,000 | 3.2% |
| United Bank | 38 | 5.990% | $550,000 | 17.4% |
| NEWREZ LLC | 34 | 5.813% | $640,000 | 27.1% |
| GUARANTEED RATE, INC. | 32 | 6.000% | $920,000 | 5.9% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 5.625% | $665,000 | 22.2% |
| TD Bank, National Association | 27 | 6.690% | $455,000 | 30.8% |
| Capital Bank, National Association | 27 | 6.750% | $1,205,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 26 | 7.813% | $245,000 | 33.3% |
| Manufacturers and Traders Trust Company | 24 | 5.875% | $770,000 | 33.3% |
| Prosperity Home Mortgage, LLC | 23 | 6.500% | $745,000 | 0.0% |
| First National Bank of Pennsylvania | 21 | 6.140% | $435,000 | 32.3% |
| MOVEMENT MORTGAGE, LLC | 20 | 5.990% | $695,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 20 | 6.490% | $625,000 | 9.1% |
| Citibank, National Association | 20 | 5.875% | $480,000 | 4.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 5.995% | $580,000 | 5.0% |
| Citizens Bank, National Association | 16 | 7.900% | $310,000 | 38.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 5.995% | $550,000 | 15.8% |
| Atlantic Coast Mortgage, LLC | 14 | 6.125% | $605,000 | 0.0% |
| Wells Fargo Bank, National Association | 13 | 5.750% | $625,000 | 23.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 5.875% | $455,000 | 11.8% |
| Loandepot.Com, LLC | 12 | 5.625% | $775,000 | 29.4% |
| FIRST HOME MORTGAGE CORPORATION | 12 | 6.433% | $785,000 | 14.3% |
| Vellum Mortgage, Inc. | 12 | 6.562% | $550,000 | 7.7% |
| Bank-Fund Staff Federal Credit Union | 11 | 5.500% | $815,000 | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 11 | 6.375% | $375,000 | 0.0% |
| PLANET HOME LENDING, LLC | 11 | 5.750% | $675,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 10 | 5.990% | $810,000 | 0.0% |
| First Heritage Mortgage, LLC | 10 | 6.250% | $620,000 | 0.0% |
| Fulton Bank, National Association | 10 | 6.063% | $1,385,000 | 15.4% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 60.9% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 25.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| BPL MORTGAGE TRUST, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SWBC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial Bank | 7 | Under 10 loans | Under 10 loans | 63.2% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The National Capital Bank of Washington | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 46.2% |
| Atlantic Union Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| State Department Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 64.3% |
| United Nations Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| EMBRACE HOME LOANS, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hingham Institution for Savings, The | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MainStreet Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 76.7% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Founders Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 80.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 63.6% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CAPITAL CENTER, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NASA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United States Senate Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IDB Global Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| John Marshall Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 75.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Democracy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Freedom Bank of Virginia | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woodsboro Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 79 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.