Applications / Mortgage Analytics / Lenders / District of Columbia / City First Bank
Washington, DC · National bank · OCC · $1.3 billion assets · 1 loan in 2025
City First Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1
loans originated, 2025
1
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City First Bank, a Washington bank with $1.3 billion in assets that made 68 large loans in 2024, reported a single loan in 2025.
The bank made 124 loans in 2022, 71 in 2023 and 68 in 2024. In 2025 it reported one, a refinance. Such a break in a single year is unusual, and the figures do not say whether the bank stopped this kind of lending or reported it differently. With one loan, none of its 2025 shares means anything.
Its 2024 lending shows where it worked. In 2024, 60.3% of its loans went to low- and moderate-income (LMI) neighborhoods and 80.9% to majority-minority neighborhoods. Both shares rest on 68 loans, enough to show a clear pattern.
Its 68 loans in 2024 came to $102.1 million, a typical loan of $1.0 million. That is far larger than a typical home loan; the figures do not say what kind of property these loans financed. All were conventional, with no government-backed lending.
All its lending is in the Washington metro area, where it has reported since 2006. It took its present name in 2021, the year it merged with Broadway Federal Bank, whose filings count with its own in the market figures. It filed no report for 2018 to 2020; those are gaps in the record, not years without lending.
Similar lenders: lenders of the same broad kind (banks and savings institutions, credit unions or non-banks), originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. City First Bank took 1 application in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 100.0%
Conventional 100.0% · of 1 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| District of Columbia | 1 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Washington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y6X9E8QVGNA045 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2697963 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 122968 | 2006–2016 |
Established 24 November 1998. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: City First Bank's data.
City First Bank's data
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