# Best Mortgage Lenders in Washington DC

**As of:** 2026-06-04

Compare the top mortgage lenders in Washington DC. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/local/washington-dc/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 77
- **Total Loans:** 5,203
- **Median Rate Spread:** 0.06932467532467533%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | 75 | 87 | 58 | 80 | $435 | -0.344% | 172 | Bank | Direct | — |
| 2 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 75 | 93 | 60 | 72 | $784 | -0.467% | 113 | Credit Union | Direct | — |
| 3 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | 74 | 94 | 66 | 62 | $265 | -0.548% | 50 | Bank | Direct | — |
| 4 | [Bank-Fund Staff Federal Credit Union](https://saferate.com/lenders/bank-fund-staff-federal-credit-union) | 73 | 88 | 46 | 85 | -$1176 (Credit) | -0.114% | 129 | Credit Union | Direct | — |
| 5 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 73 | 73 | 75 | 70 | $1701 | -0.289% | 98 | Bank | Direct | — |
| 6 | [FIRST SAVINGS MORTGAGE CORPORATION](https://saferate.com/lenders/first-savings-mortgage) | 71 | 36 | 79 | 100 | $2339 | 0.242% | 424 | Independent Mortgage Company | Direct | — |
| 7 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 70 | 70 | 68 | 73 | -$259 (Credit) | -0.107% | 110 | Bank | Direct | — |
| 8 | [Manufacturers and Traders Trust Company](https://saferate.com/lenders/manufacturers-and-traders-trust) | 70 | 62 | 78 | 71 | $77 | -0.128% | 91 | Bank | Direct | — |
| 9 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 69 | 49 | 70 | 87 | $1924 | 0.044% | 334 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 10 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 69 | 29 | 95 | 84 | $3920 | 0.172% | 288 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 11 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 69 | 41 | 93 | 73 | $3391 | 0.085% | 134 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 12 | [First Heritage Mortgage, LLC](https://saferate.com/lenders/first-heritage-mortgage) | 68 | 51 | 89 | 64 | $2956 | 0.034% | 58 | Independent Mortgage Company | Direct | — |
| 13 | [United Bank](https://saferate.com/lenders/united-bank-va) | 67 | 54 | 76 | 72 | $1763 | 0.026% | 83 | Bank | Direct | — |
| 14 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 67 | 75 | 71 | 55 | -$920 (Credit) | -0.060% | 33 | Bank | Direct | — |
| 15 | [FIRST HOME MORTGAGE CORPORATION](https://saferate.com/lenders/first-home-mortgage) | 66 | 18 | 88 | 92 | $4059 | 0.268% | 322 | Independent Mortgage Company | Direct | — |
| 16 | [Atlantic Coast Mortgage, LLC](https://saferate.com/lenders/atlantic-coast-mortgage) | 66 | 37 | 84 | 77 | $2186 | 0.124% | 121 | Independent Mortgage Company | Direct | — |
| 17 | [INTERCOASTAL MORTGAGE, LLC](https://saferate.com/lenders/intercoastal-mortgage) | 66 | 49 | 81 | 69 | $2613 | 0.121% | 68 | Independent Mortgage Company | Direct | — |
| 18 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 65 | 37 | 77 | 82 | $2927 | 0.152% | 211 | Independent Mortgage Company | Direct | — |
| 19 | [Vellum Mortgage, Inc.](https://saferate.com/lenders/vellum-mortgage) | 65 | 41 | 77 | 78 | $2536 | 0.102% | 103 | Independent Mortgage Company | Direct | — |
| 20 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 65 | 71 | 61 | 65 | $677 | -0.038% | 64 | Bank | Direct | — |
| 21 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 64 | 63 | 59 | 71 | $1723 | -0.136% | 106 | Bank | Direct | — |
| 22 | [Capital Bank, National Association](https://saferate.com/lenders/capital-bank-national-association) | 64 | 54 | 59 | 79 | $3089 | 0.440% | 95 | Bank | Direct | — |
| 23 | [Citizens Bank, National Association](https://saferate.com/lenders/citizens-bank-national-association) | 64 | 69 | 62 | 60 | $1447 | -0.094% | 47 | Bank | Direct | — |
| 24 | [United Nations Federal Credit Union](https://saferate.com/lenders/united-nations-federal-credit-union) | 63 | 80 | 47 | 63 | $605 | -0.475% | 40 | Credit Union | Direct | — |
| 25 | [First National Bank of Pennsylvania](https://saferate.com/lenders/first-national-bank-of-pennsylvania) | 63 | 60 | 71 | 59 | $1264 | 0.004% | 40 | Bank | Direct | — |
| 26 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 62 | 41 | 69 | 75 | $1584 | -0.019% | 144 | Independent Mortgage Company | Direct | — |
| 27 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 62 | 32 | 84 | 72 | $2369 | 0.054% | 115 | Independent Mortgage Company | Direct | — |
| 28 | [Sandy Spring Bank](https://saferate.com/lenders/sandy-spring-bank) | 62 | 54 | 63 | 68 | $2105 | 0.062% | 53 | Bank | Direct | — |
| 29 | [CREDIT UNION MORTGAGE ASSOCIATION, INC.](https://saferate.com/lenders/credit-union-mortgage-association) | 62 | 89 | 38 | 59 | $2010 | -0.475% | 31 | Independent Mortgage Company | Direct | — |
| 30 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 61 | 48 | 76 | 58 | $2810 | -0.098% | 44 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 31 | [STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED](https://saferate.com/lenders/state-employees-credit-union-of-maryland-incorporated) | 61 | 71 | 58 | 54 | $1521 | -0.731% | 22 | Credit Union | Direct | — |
| 32 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 60 | 56 | 63 | 61 | $2681 | 0.007% | 51 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 33 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 59 | 24 | 85 | 67 | $2199 | 0.185% | 82 | Independent Mortgage Company | Direct | — |
| 34 | [LOANSTEADY LLC](https://saferate.com/lenders/loansteady) | 59 | 50 | 61 | 66 | $416 | -0.115% | 44 | Independent Mortgage Company | Direct | — |
| 35 | [Ameris Bank](https://saferate.com/lenders/ameris-bank) | 59 | 42 | 82 | 52 | $2749 | 0.069% | 26 | Bank | Direct | — |
| 36 | [Towne Bank](https://saferate.com/lenders/towne-bank) | 58 | 37 | 80 | 57 | $3314 | 0.155% | 33 | Bank | Direct | — |
| 37 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 58 | 55 | 67 | 52 | $1424 | 0.321% | 28 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 38 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 57 | 43 | 65 | 65 | $1906 | 0.124% | 63 | Independent Mortgage Company | Direct | — |
| 39 | [EMBRACE HOME LOANS, INC.](https://saferate.com/lenders/embrace-home-loans) | 57 | 31 | 74 | 66 | $2703 | 0.321% | 63 | Independent Mortgage Company | Direct | — |
| 40 | [NFM, INC.](https://saferate.com/lenders/nfm) | 57 | 23 | 87 | 62 | $3649 | 0.397% | 53 | Independent Mortgage Company | Direct | — |
| 41 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 56 | 20 | 76 | 72 | $2356 | 0.276% | 122 | Independent Mortgage Company | Direct | — |
| 42 | [Fulton Bank, National Association](https://saferate.com/lenders/fulton-bank-national-association) | 56 | 40 | 64 | 65 | $1386 | 0.262% | 53 | Bank | Direct | — |
| 43 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 56 | 57 | 57 | 55 | $1066 | 0.006% | 33 | Independent Mortgage Company | Direct | — |
| 44 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 56 | 33 | 81 | 54 | $2224 | 0.162% | 32 | Independent Mortgage Company | Direct | — |
| 45 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 55 | 35 | 59 | 72 | $2277 | 0.378% | 113 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 46 | [TD Bank, National Association](https://saferate.com/lenders/td-bank-national-association) | 55 | 47 | 57 | 60 | -$23 (Credit) | 0.105% | 44 | Bank | Direct | — |
| 47 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | 55 | 25 | 90 | 51 | $1563 | 0.187% | 25 | Independent Mortgage Company | Direct | — |
| 48 | [LOWER, LLC](https://saferate.com/lenders/lower) | 54 | 30 | 71 | 60 | $2007 | 0.147% | 48 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Lower directly or with a mortgage broker. |
| 49 | [HOMESPIRE MORTGAGE CORPORATION](https://saferate.com/lenders/homespire-mortgage) | 54 | 25 | 84 | 54 | $3161 | 0.201% | 25 | Independent Mortgage Company | Direct | — |
| 50 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 53 | 34 | 70 | 55 | $2262 | 0.135% | 35 | Independent Mortgage Company | Direct | — |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Washington DC.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.