Applications / Mortgage Analytics / Lenders / District of Columbia / The National Capital Bank of Washington
Washington, DC · National bank · OCC · $763 million assets · 30 loans in 2025
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30
loans originated, 2025
32
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The National Capital Bank of Washington makes few mortgages but large ones: its typical loan in 2025 was $845,000, after $500,000 in 2024, against $175,000 at similar banks.
It made 30 loans in 2025, the same as in 2024. Similar banks, meaning national banks making between half and twice as many loans, made 42 at the middle. Yet its typical loan was larger than at nearly all of them, and 21.1% of its loans were jumbo (larger than the conforming limit), against 2.9% for similar banks. Thirty loans is a thin base, so these shares can swing from one year to the next.
Its main market is the District of Columbia, and it lends in 3 metros. Nearly half its loans, 46.7%, went to majority-minority neighborhoods, against 11.4% at similar banks, which may follow from lending in and around Washington. Its shares of loans to low- and moderate-income (LMI) borrowers and neighborhoods, 25.0% and 17.2%, were close to those of similar banks. Home purchases made up 70.0% of its lending and refinancing the rest.
The bank first reported its mortgage lending in 1990. It filed no report for 2020, 2021 or 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report. Its reported loans fell from 106 in 2019 to 60 in 2023 and 30 in each of the past two years. In Washington it ranked 210 of 757 lenders, a market Rocket Mortgage led.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The National Capital Bank of Washington took 32 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.0% · Refinance 30.0%
Conventional 100.0% · of 30 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 | 16 | 53.3% |
| Virginia | 10 | 33.3% |
| Maryland | 3 | 10.0% |
| West Virginia | 1 | 3.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Washington | 17 |
| Arlington-Alexandria-Reston | 11 |
| Frederick-Gaithersburg-Bethesda | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YUWQTVWWH3TM22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 791821 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14107 | 1990–2017 |
Established 30 August 1889. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The National Capital Bank of Washington's data.
The National Capital Bank of Washington's data
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The National Capital Bank of Washington and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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