District of Columbia · Q1 2026
What District of Columbia borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 281 lenders.
Published 2026-04-29.
District of Columbia · headline
The gap between District of Columbia's lowest- and highest-cost ranked lenders in 2025 was $6,204 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 152% more than borrowers using Navy Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=6,827)
In 2025, 281 mortgage lenders originated 6,827 reportable loans in District of Columbia according to FFIEC HMDA data. The median borrower paid $7,558 in total loan costs. That is 78.2% above the national median across all 50 states and DC.
District of Columbia's median total loan cost was $7,558, 78.2% above the national median of $4,242. On a typical loan, that translates to roughly $3,316 more than borrowers paid in the average state.
Navy Federal Credit Union posted the lowest median total loan costs at $4,077, 46.1% below the District of Columbia median. Across the ranked lenders, 13 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in District of Columbia are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $6,011 | $4,140 | 468 | A |
| 2 | First Savings Mortgage | $7,411 | $1,590 | 451 | A |
| 3 | First Home Mortgage Corporation | $10,276 | $6,258 | 273 | D |
| 4 | JPMorgan Chase Bank, N.A. | $5,859 | $1,690 | 263 | A |
| 5 | Citibank, National Association | $6,546 | $1,490 | 260 | A |
| 6 | Prosperity Home Mortgage, LLC | $7,335 | $2,125 | 209 | A |
| 7 | Navy Federal Credit Union | $4,077 | $5,250 | 192 | A |
| 8 | Guaranteed Rate | $6,933 | $1,640 | 163 | A |
| 9 | United Wholesale Mortgage | $10,281 | $5,643 | 158 | D |
| 10 | Manufacturers and Traders Trust Company | $6,458 | $1,500 | 140 | A |
District of Columbia median total loan cost
District of Columbia borrowers paid a median $7,558 in total loan costs in 2025, based on 6,827 HMDA-reported loans across 281 lenders.
FFIEC HMDA 2025
Lender spread in District of Columbia
In District of Columbia, the gap between Navy Federal Credit Union ($4,077 median) and United Wholesale Mortgage ($10,281 median) was $6,204 on a typical 2025 loan.
FFIEC HMDA 2025
District of Columbia vs. national
District of Columbia closing costs ran 78.2% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in District of Columbia was $2,352, with the typical lender clustering tightly around that figure. Discount points appeared on 44% of loans, with a median paid amount of $3,489 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 35% of loans, with a median credit of $924.
Avg $4,799
Median $3,489 when present
Median $924 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in District of Columbia) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for District of Columbia
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