Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Mortgage Rates District Of Columbia (DC) for March 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in District Of Columbia. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Mortgage Rates Last Updated and Verified: March 28, 2026
Current 30-year fixed mortgage rates in District Of Columbia include IDB Global Federal Credit UnionIDB Global Federal Credit Union1300 New York Ave NW, Washington, DC, 20577 0001A+5.0 ★Texas Ratio: 0.99% at 5.88%, Commonwealth One Federal Credit UnionCommonwealth One Federal Credit Union441 G St NW Ste 3M54, Washington, DC, 20548 0001A-5.0 ★Texas Ratio: 14.20% at 5.88%, Signal Financial Federal Credit UnionSignal Financial Federal Credit Union1101 New York Ave NW, Washington, DC, 20005 4269A+5.0 ★Texas Ratio: 3.69% at 5.88%, State Department Federal Credit UnionState Department Federal Credit UnionBuilding 41, Washington, DC, 20319 0001A+5.0 ★Texas Ratio: 4.53% at 6.25%, and TruistTruist100 M St Se, Washington, DC, 20001A+5.0 ★Texas Ratio: 3.63% at 6.12%. Mortgage rates as of March 28, 2026 according to verified data from MonitorBankRates.
Mortgage rates in District Of Columbia (DC) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to District Of Columbia borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 28, 2026
Compare Mortgage Rates Today in District Of Columbia
Source: Verified Mortgage Rate Data provided by MonitorBankRates
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
District Of Columbia Mortgage Rate Trends
Compare local District Of Columbia mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
For buyers in District Of Columbia, the broader District Of Columbia 30-year fixed average mortgage rate rose 0.310 points this week to 6.586%, according to MonitorBankRates trend data.
15-Year Fixed — DC Avg
5.873%
▼ 0.109 from last week
For buyers in District Of Columbia, the broader District Of Columbia 15-year fixed average mortgage rate fell 0.109 points this week to 5.873%, according to MonitorBankRates trend data.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for District Of Columbia directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in District Of Columbia. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in DC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in District Of Columbia
How does my credit score affect my rate in District Of Columbia?
Your credit score is a major factor. Generally, borrowers in District Of Columbia with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in District Of Columbia because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in District Of Columbia?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In District Of Columbia, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in District Of Columbia, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in District Of Columbia?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of District Of Columbia, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in District Of Columbia?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in District Of Columbia offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in District Of Columbia?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in District Of Columbia?
IDB Global Federal Credit Union: 5.88% (30-Year Fixed)
Commonwealth One Federal Credit Union: 5.88% (Made to Match - 30 Year Fixed)
Signal Financial Federal Credit Union: 5.88% (30-year fixed)
State Department Federal Credit Union: 6.25% (Conforming 30 Year Fixed)
Truist: 6.12% (30-Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to District Of Columbia borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 28, 2026
Brian McKay
