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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Washington DC
Updated February 6, 2026
Market Overview
77
Total Lenders
5,203
Total Loans
0.07%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Bank-Fund Staff Federal Credit Union | Exceptional | Exceptional | Sound | Exceptional | -$1,176 | -0.114% | 129 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $265 | -0.548% | 50 | |
3 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $435 | -0.344% | 172 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $784 | -0.467% | 113 | |
5 | Truist Bank | Strong | Strong | Strong | Strong | -$259 | -0.107% | 110 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,701 | -0.289% | 98 | |
7 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $77 | -0.128% | 91 | |
8 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $677 | -0.038% | 64 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,447 | -0.094% | 47 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,924 | +0.044% | 334 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,391 | +0.085% | 134 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,723 | -0.136% | 106 | |
13 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,613 | +0.121% | 68 | |
14 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,956 | +0.034% | 58 | |
15 | United Nations Federal Credit Union | Strong | Strong | Sound | Strong | $605 | -0.475% | 40 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Sound | -$920 | -0.060% | 33 | |
17 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Acceptable | Sound | $2,010 | -0.475% | 31 | |
18 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Sound | -$104 | -0.251% | 22 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,920 | +0.172% | 288 | |
20 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,584 | -0.019% | 144 | |
21 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | $2,536 | +0.102% | 103 | |
22 | United Bank | Strong | Sound | Strong | Strong | $1,763 | +0.026% | 83 | |
23 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,906 | +0.124% | 63 | |
24 | Sandy Spring Bank | Strong | Sound | Strong | Strong | $2,105 | +0.062% | 53 | |
25 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,386 | +0.262% | 53 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,681 | +0.007% | 51 | |
27 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | $416 | -0.115% | 44 | |
28 | Ameris Bank | Strong | Sound | Exceptional | Sound | $2,749 | +0.069% | 26 | |
29 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Strong | Strong | Sound | Sound | $1,521 | -0.731% | 22 | |
30 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,339 | +0.242% | 424 | |
31 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,927 | +0.152% | 211 | |
32 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $2,186 | +0.124% | 121 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,369 | +0.054% | 115 | |
34 | Capital Bank, National Association | Strong | Sound | Sound | Strong | $3,089 | +0.440% | 95 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,199 | +0.185% | 82 | |
36 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,649 | +0.397% | 53 | |
37 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,810 | -0.098% | 44 | |
38 | TD Bank, National Association | Strong | Sound | Sound | Strong | -$23 | +0.105% | 44 | |
39 | First National Bank of Pennsylvania | Strong | Sound | Strong | Sound | $1,264 | +0.004% | 40 | |
40 | NATIONAL COOPERATIVE BANK, N.A. | Strong | Sound | Sound | Strong | $791 | -0.052% | 34 | |
41 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,424 | +0.321% | 28 | |
42 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,059 | +0.268% | 322 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,356 | +0.276% | 122 | |
44 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,703 | +0.321% | 63 | |
45 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,007 | +0.147% | 48 | |
46 | Towne Bank | Strong | Acceptable | Exceptional | Sound | $3,314 | +0.155% | 33 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,066 | +0.006% | 33 | |
48 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,224 | +0.162% | 32 | |
49 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,161 | +0.201% | 25 | |
50 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $1,563 | +0.187% | 25 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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