Mortgage lending in District of Columbia
9,223 mortgages were originated in District of Columbia, District of Columbia, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 9,223
- Median rate
- 6.500%
- Median lender fees
- $6,978
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $465,000
- Above the going rate (spread over APOR)
- 0.049
- Paid discount points
- 31.6%
- Received lender credits
- 25.4%
- Purchases / refinances
- 59.1% / 27.4%
- Conventional / FHA / VA
- 88.4% / 5.4% / 6.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 74.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
- Median home price
- $1,198,000
- That home, 20% down
- $958,400
A median-priced home with 20% down leaves $290,725 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in District of Columbia, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 469 | $6,011 | 6.625% |
| First Savings Mortgage Corporation | 451 | $7,411 | 6.500% |
| JPMorgan Chase Bank, National Association | 307 | $5,859 | 6.375% |
| Navy Federal Credit Union | 297 | $4,077 | 7.750% |
| Citibank, National Association | 281 | $6,546 | 6.000% |
| First Home Mortgage Corporation | 280 | $10,276 | 6.625% |
| Bank of America, National Association | 249 | $6,656 | 5.990% |
| Truist Bank | 240 | $7,575 | 6.250% |
| Bank-Fund Staff Federal Credit Union | 220 | $5,393 | 6.500% |
| PNC Bank, National Association | 211 | — | 7.455% |
What lenders charged here
Lender fees on a $465,000 loan, based on what was actually charged in District of Columbia — not a rule of thumb.
From 6,867 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers