Finance Atlas

Banking & Mortgage-Lending Access in District of Columbia

37 FDIC-insured institutions (4 currently active) are recorded in District of Columbia in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 26.1% in District of Columbia.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

37
FDIC institutions (total)
4
Currently active
26.1%
Overall denial rate (HMDA 2024)
8,399
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in District of Columbia?

FDIC BankFind records 37 FDIC-insured institutions (all historical) in District of Columbia, of which 4 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 37
Currently active 4

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in District of Columbia?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for District of Columbia:

Charter class Description Count
N National bank (OCC-chartered) 20
SL Savings institution (state-chartered S&L) 10
NM State non-member bank (Fed non-member) 4
SB Savings bank (state-chartered) 2
NC Non-deposit trust company 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in District of Columbia? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 26.1% in District of Columbia. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 26.1%
White applicants 15.4%
Black applicants 39.6%
Black/White denial rate ratio 2.56x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=DC

Mortgage origination volume in District of Columbia (2024)

HMDA 2024 data record 8,399 originated mortgage loans in District of Columbia , totaling $5.9B , with an average loan size of $707,417.

Metric Value
Originated loans (2024) 8,399
Total origination volume $5.9B
Average loan size $707,417

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=DC

Data exported June 20, 2026 · content hash 21f1b74a666919b5 · machine-readable brief: /finance/states/dc/context.md

Where to act