Now it’s time to check out the top mortgage lenders in DC, the capital of the United States.
In 2024, nearly 650 mortgage companies originated roughly $32 billion in home loans in The District.
That was one of the bigger totals for a state, even though the District of Columbia isn’t actually a state
Anyway, there can be only one…top mortgage lender to rule the rest. And as you may have guessed, it was United Wholesale Mortgage (UWM).
Some local companies made the top-10 lists as well. Read on to see who.
Top Mortgage Lenders in DC (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $1.8 billion |
| 2. | Rocket Mortgage | $1.8 billion |
| 3. | First Heritage | $1.1 billion |
| 4. | Atlantic Coast | $957 million |
| 5. | Navy FCU | $947 million |
| 6. | NVR Mortgage | $838 million |
| 7. | Intercoastal | $817 million |
| 8. | Truist | $726 million |
| 9. | Freedom Mortgage | $710 million |
| 10. | Movement | $696 million |
In 2024, United Wholesale Mortgage led the District of Columbia with a solid $1.8 billion funded, per HMDA data from Richey May.
They were trailed very, very closely by their crosstown rival Rocket Mortgage, which basically originated the same amount.
In third was Fairfax, VA-based First Heritage Mortgage with a close $1.1 billion, followed by fellow Fairfax lender Atlantic Coast Mortgage and finally Vienna, VA-based Navy Federal CU.
The bottom half of the top 10 included NVR Mortgage, a home builder lender, Intercoastal Mortgage, Truist, Freedom Mortgage, and Movement Mortgage.
So a lot of local mortgage companies made the list, as even Intercoastal Mortgage calls Fairfax, Virginia home.
Always good to see some homegrown lenders shake it up and go toe-to-toe with the big national brands.
Top Mortgage Lenders in Washington DC (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $1.1 billion |
| 2. | First Heritage | $1.1 billion |
| 3. | Rocket Mortgage | $1.0 billion |
| 4. | Atlantic Coast | $883 million |
| 5. | NVR Mortgage | $838 million |
| 6. | Navy FCU | $781 million |
| 7. | Intercoastal | $775 million |
| 8. | Movement | $622 million |
| 9. | CMG Mortgage | $598 million |
| 10. | Truist | $564 million |
If we focus solely on home buyers, the list doesn’t change a whole lot because the mortgage market has been dominated by purchase loans lately (thanks to steep mortgage rates).
However, First Heritage did leapfrog Rocket and claim second place, while wholesale lender UWM remained in first.
In fourth was Atlantic Coast Mortgage, followed by NVR Mortgage, Navy Federal, and Intercoastal.
Movement Mortgage, CMG Mortgage, and Truist completed the top 10 for home buyers seeking financing in the District of Columbia.
No real big surprises here as home buyers often turn to local banks and mortgage companies for an important home purchase, though the big names also got in the mix too.
Home buyers seem to like using local options as it probably gives them peace of mind.
Top Refinance Lenders in DC (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Rocket Mortgage | $785 million |
| 2. | UWM | $780 million |
| 3. | Freedom Mortgage | $404 million |
| 4. | Pennymac | $308 million |
| 5. | loanDepot | $157 million |
| 6. | Navy FCU | $146 million |
| 7. | Truist | $145 million |
| 8. | Village Capital | $144 million |
| 9. | Newrez | $124 million |
| 10. | Mr. Cooper | $116 million |
What about existing homeowners looking to a refinance a mortgage? Well, that list was different too.
Like usual for every state, Rocket Mortgage was king with $785 million funded, followed very closely again by UWM. But remember UWM only works with mortgage brokers.
In third was Freedom Mortgage with $404 million, a mortgage company known for being a VA loan specialist.
Pennymac took fourth, followed by loanDepot, then Navy Federal, Truist, and Village Capital all came in just about neck and neck.
The rest of the best included Newrez and recently-acquired Mr. Cooper.
It’s not uncommon for existing homeowners to use out-of-state lenders for a refinance, which kind of sums up this list.
The Best Mortgage Lenders in Washington DC
Now let’s talk about the best mortgage lenders in the District of Columbia based on customer reviews.
As always, I turn to Zillow to check out customer reviews. For DC, it’s a bit unique as none of the lenders are actually in DC.
But they are local companies in nearby states, including Maryland and Virginia.
McLean Mortgage comes in with an excellent 4.99/5 score from nearly 3,000 customer reviews, which is basically unbeatable.
Chevy Chase-based Forbright Bank has the second largest number of reviews (about 1,500) and a 4.82/5 rating. Pretty solid.
Then there’s Bethesda, Maryland’s Presidential Bank and its superior 4.99/5 rating, which is obviously nearly flawless. That’s from about 750 reviews.
McLean-based Aurora Financial has a similar number of reviews but a 4.7/5 rating, while Navy Federal Credit Union has a 4.22/5 from just over 100 reviews.
There’s also Bethesda-based Mortgagestar, which has a perfect 5/5 rating from over 200 reviews and Alexandria, VA-based Potomac Trust Mortgage’s 4.91/5.
So plenty of good options for a home loan in The District. Don’t forget to include local mortgage brokers in your search as well.
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