Mortgage lending in District of Columbia
9,300 mortgages were originated in District of Columbia in 2025. Here is what they cost — including the lender fees that never show up in an advertised rate.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 9,300
- Median rate
- 6.500%
- Median lender fees
- $6,980
- Median loan amount
- $475,000
- Median spread over APOR
- 0.050
- Paid discount points
- 31.4%
- Received lender credits
- 25.2%
- Purchases / refinances
- 58.9% / 27.7%
- Conventional / FHA / VA
- 88.4% / 5.5% / 6.1%
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% of loans here — see methodology.
Largest lenders in District of Columbia
Ranked by loans originated. The fee column is where lenders differ most — it is the money they charged to make the loan, and it is not part of the interest rate.
District of Columbia year by year
The same measures across every year of filings available. Rates follow the market; fees move for their own reasons.
| Year | Loans | Median rate | Median fees | Median loan |
|---|---|---|---|---|
| 2021 | 31,729 | 2.875% | $4,933 | $455,000 |
| 2022 | 14,293 | 4.300% | $6,868 | $455,000 |
| 2023 | 8,616 | 6.625% | $7,340 | $435,000 |
| 2024 | 8,406 | 6.675% | $6,997 | $455,000 |
| 2025 | 9,300 | 6.500% | $6,980 | $475,000 |
Counties
1 counties had at least 300 loans in 2025. Smaller counties are left out rather than published from a handful of records.
| County | Loans | Median rate | Median fees |
|---|---|---|---|
| District of Columbia | 9,223 | 6.500% | $6,978 |