District of Columbia
District of Columbia · FIPS 11001
According to CFPB HMDA 2024 application volume among U.S. counties, District of Columbia ranks #168 of 3,223, and #1 of 1 in District of Columbia.
Mortgage lending activity in District of Columbia, District of Columbia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. District of Columbia, District of Columbia lenders denied 2,939 of the applications reported here, financing the rest at an average note rate of 7.01%, with applicants self-reporting average annual income of $37K. 379 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 17.4x, meaning typical borrowers took on mortgages of about 17.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in District of Columbia
In District of Columbia, lead originator First Savings Mortgage Corporation funded only 5.2% of 8,348 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 14.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to District of Columbia's 16,791 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to District of Columbia's $642,266 average loan (deduped against volume peers).
Lenders active in District of Columbia
First Savings Mortgage Corporation funded 433 of the 8,348 loans originated in District of Columbia, 5.2% of the county. 379 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Savings Mortgage Corporation | 433 | 5.2% |
| 2 | Rocket Mortgage | 389 | 4.7% |
| 3 | JPMorgan Chase Bank, NA | 373 | 4.5% |
| 4 | First Home Mortgage | 325 | 3.9% |
| 5 | Navy Federal Credit Union | 266 | 3.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For District of Columbia, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for District of Columbia borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.