Safe Rate Rankings

Best Conventional Mortgage Lenders in Washington DC

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders77

Total Loans5,203

Median Rate Spread0.07%

Washington DC Market Insights

Navy Federal Credit Union is Safe Rate's top-ranked Conventional lender in Washington DC, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Washington DC, Navy Federal Credit Union and Citibank National Association scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #6 in Washington DC, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Washington DC: Rocket Mortgage (#5) and First Savings Mortgage (#11).

Explore Rankings by Type

Overall Rankings

All lenders in Washington DC

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$784Fees	0.467%Below	113
2	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,924Fees	0.044%Above	334
3	Citibank, National Association BankDirect	Strong	Exceptional	Exceptional	Sound	Strong	$435Fees	0.344%Below	172
4	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$259Credit	0.107%Below	110
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,920Fees	0.172%Above	288
6	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,391Fees	0.085%Above	134
7	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,701Fees	0.289%Below	98
8	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Strong	$77Fees	0.128%Below	91
9	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$677Fees	0.038%Below	64
10	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$920Credit	0.060%Below	33
11	FIRST SAVINGS MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,339Fees	0.242%Above	424
12	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Strong	$265Fees	0.548%Below	50
13	First National Bank of Pennsylvania BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,264Fees	0.004%Above	40
14	FIRST HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,059Fees	0.268%Above	322
15	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,723Fees	0.136%Below	106
16	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,369Fees	0.054%Above	115
17	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$2,956Fees	0.034%Above	58
18	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,927Fees	0.152%Above	211
19	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,584Fees	0.019%Below	144
20	Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,186Fees	0.124%Above	121
21	United Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$1,763Fees	0.026%Above	83
22	INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,613Fees	0.121%Above	68
23	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,447Fees	0.094%Below	47
24	Bank-Fund Staff Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Acceptable	Exceptional	$1,176Credit	0.114%Below	129
25	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,356Fees	0.276%Above	122
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,199Fees	0.185%Above	82
27	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,810Fees	0.098%Below	44
28	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$34Fees	0.290%Below	19
29	Vellum Mortgage, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,536Fees	0.102%Above	103
30	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,906Fees	0.124%Above	63
31	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,224Fees	0.162%Above	32
32	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Sound	$2,749Fees	0.069%Above	26
33	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED Credit UnionDirect	Strong	Strong	Strong	Strong	Sound	$1,521Fees	0.731%Below	22
34	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,277Fees	0.378%Above	113
35	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$1,066Fees	0.006%Above	33
36	Fulton Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,386Fees	0.262%Above	53
37	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,681Fees	0.007%Above	51
38	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$3,649Fees	0.397%Above	53
39	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,007Fees	0.147%Above	48
40	LOANSTEADY LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Strong	$416Fees	0.115%Below	44
41	CREDIT UNION MORTGAGE ASSOCIATION, INC. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Acceptable	Sound	$2,010Fees	0.475%Below	31
42	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,563Fees	0.187%Above	25
43	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,663Fees	0.266%Above	19
44	TD Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$23Credit	0.105%Above	44
45	United Nations Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Acceptable	Strong	$605Fees	0.475%Below	40
46	Towne Bank BankDirect	Strong	Acceptable	Strong	Strong	Sound	$3,314Fees	0.155%Above	33
47	Capital Bank, National Association BankDirect	Sound	Sound	Sound	Sound	Strong	$3,089Fees	0.440%Above	95
48	Sandy Spring Bank BankDirect	Sound	Sound	Strong	Sound	Strong	$2,105Fees	0.062%Above	53
49	EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$2,703Fees	0.321%Above	63
50	Charles Schwab Bank, SSB BankWholesale	Sound	Sound*	Strong	Strong	Sound	$977Fees	0.302%Below	14

❓ Frequently Asked Questions

How are mortgage lenders ranked in Washington DC?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Washington DC), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Washington DC?+

Based on 2024 HMDA data, 77 lenders originated a combined 5,203 loans in Washington DC. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Washington DC?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Washington DC is 0.07%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Washington DC's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #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). 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.