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MARKET BENCHMARKS · HMDA PUBLIC DATA

District of Columbia mortgage market benchmarks

District of Columbia origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

9,300

+10.7% vs 2024

2024: 8,399

Volume 2025

$7.00B

originated $
2024: $5.94B

Denial rate 2025

18.1%

denied / actioned
2024: 19.5% denied / actioned

Reporting lenders 2025

486

HMDA reporters
2024: 451 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$5B$10B$15B$20B20182019202020212022202320242025$7.00B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%11.3%22.7%2018201920202021202220232024202518.1%

District of Columbia market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
202548617,0179,300$7.00B2025 origination volume9,300 loans originated18.1%2025 denial rate17,017 applications actioned58.9%39.4%
202445115,2048,399$5.94B2024 origination volume8,399 loans originated19.5%2024 denial rate15,204 applications actioned65.0%32.1%
202347615,2108,599$6.10B2023 origination volume8,599 loans originated19.4%2023 denial rate15,210 applications actioned69.3%25.6%
202253024,08614,264$9.96B2022 origination volume14,264 loans originated16.5%2022 denial rate24,086 applications actioned56.7%46.6%
202155748,18831,702$17.94B2021 origination volume31,702 loans originated11.4%2021 denial rate48,188 applications actioned33.2%79.7%
202054250,30832,276$17.64B2020 origination volume32,276 loans originated11.9%2020 denial rate50,308 applications actioned29.4%79.7%
201948531,36519,261$10.69B2019 origination volume19,261 loans originated16.1%2019 denial rate31,365 applications actioned47.0%60.8%
201846726,32815,381$8.08B2018 origination volume15,381 loans originated19.7%2018 denial rate26,328 applications actioned56.6%48.2%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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