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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 Company Lenders in Washington DC

Updated February 6, 2026

Market Overview

Total Lenders

3,175

Total Loans

0.22%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	$3,391	+0.085%	134
2	INTERCOASTAL MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	$2,613	+0.121%	68
3	First Heritage Mortgage, LLC	Strong	Sound	Exceptional	Strong	$2,956	+0.034%	58
4	CREDIT UNION MORTGAGE ASSOCIATION, INC.	Strong	Exceptional	Acceptable	Sound	$2,010	-0.475%	31
5	BETTER MORTGAGE CORPORATION	Strong	Exceptional	Acceptable	Sound	-$104	-0.251%	22
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$3,920	+0.172%	288
7	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$1,584	-0.019%	144
8	Vellum Mortgage, Inc.	Strong	Sound	Strong	Strong	$2,536	+0.102%	103
9	BAY EQUITY LLC	Strong	Sound	Strong	Strong	$1,906	+0.124%	63
10	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,681	+0.007%	51
11	LOANSTEADY LLC	Strong	Sound	Strong	Strong	$416	-0.115%	44
12	FIRST SAVINGS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Exceptional	$2,339	+0.242%	424
13	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	$2,927	+0.152%	211
14	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	$2,186	+0.124%	121
15	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$2,369	+0.054%	115
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$2,199	+0.185%	82
17	NFM, INC.	Strong	Acceptable	Exceptional	Strong	$3,649	+0.397%	53
18	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Sound	$2,810	-0.098%	44
19	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	$1,424	+0.321%	28
20	FIRST HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	$4,059	+0.268%	322
21	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$2,356	+0.276%	122
22	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	$2,703	+0.321%	63
23	LOWER, LLC	Strong	Acceptable	Strong	Strong	$2,007	+0.147%	48
24	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$1,066	+0.006%	33
25	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$2,224	+0.162%	32
26	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$3,161	+0.201%	25
27	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Sound	$1,563	+0.187%	25
28	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,277	+0.378%	113
29	OriginPoint, LLC	Sound	Acceptable	Sound	Strong	$2,175	+0.144%	45
30	Mortgage Research Center, LLC	Sound	Acceptable	Strong	Sound	$2,262	+0.135%	35
31	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$3,657	+0.616%	23
32	DIRECT MORTGAGE LOANS, LLC	Sound	Mediocre	Exceptional	Sound	$2,123	+0.404%	34

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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