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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 Conventional Mortgage Company Lenders in Washington DC
Updated February 6, 2026
Market Overview
40
Total Lenders
5,203
Total Loans
0.07%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,956 | +0.034% | 58 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,920 | +0.172% | 288 | |
3 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,186 | +0.124% | 121 | |
4 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,906 | +0.124% | 63 | |
5 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Strong | Acceptable | Sound | $2,010 | -0.475% | 31 | |
6 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,927 | +0.152% | 211 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,391 | +0.085% | 134 | |
8 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $2,536 | +0.102% | 103 | |
9 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,613 | +0.121% | 68 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,681 | +0.007% | 51 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,810 | -0.098% | 44 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,066 | +0.006% | 33 | |
13 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Strong | Mediocre | Sound | -$104 | -0.251% | 22 | |
14 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,339 | +0.242% | 424 | |
15 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,059 | +0.268% | 322 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,584 | -0.019% | 144 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,356 | +0.276% | 122 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,369 | +0.054% | 115 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,199 | +0.185% | 82 | |
20 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,007 | +0.147% | 48 | |
21 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | Strong | $416 | -0.115% | 44 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,563 | +0.187% | 25 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,277 | +0.378% | 113 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,224 | +0.162% | 32 | |
25 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $1,424 | +0.321% | 28 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,657 | +0.616% | 23 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,663 | +0.266% | 19 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,565 | +0.759% | 13 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,928 | +0.676% | 12 | |
30 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,703 | +0.321% | 63 | |
31 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,649 | +0.397% | 53 | |
32 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,175 | +0.144% | 45 | |
33 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,161 | +0.201% | 25 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,696 | +0.238% | 19 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,672 | +0.382% | 18 | |
36 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $4,547 | +0.455% | 18 | |
37 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $2,325 | +0.286% | 14 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,863 | +0.759% | 12 | |
39 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Sound | $2,123 | +0.404% | 34 | |
40 | FIDELITY DIRECT MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Sound | $3,704 | +0.134% | 12 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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