Mortgage Approval and Denial Rates in District of Columbia (2025 HMDA)
Mortgage denial rates in District of Columbia: lenders acted on 16,586 mortgage applications in District of Columbia in 2025 and denied 17.8% of them, down from 19.6% in 2024. The national denial rate was 17.7%.
Applications acted on
16,586
Loans originated
9,223
Denial rate
17.8%
Median loan
$405,000
District of Columbia against the national picture
Most-reported denial reason in District of Columbia: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| District of Columbia | 16,586 | 17.8% | $405,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.