DC Zipcode Refinance Incentive Ratios
ZCTA Originations (Count of Loans) Loan Volume (Mil) Loan Size ($) CLTV Interest Rate Refinance Ratio (as of August 2025*) 20002 446 $275.69 $618,139 83.38% 7.138% 1.10 20011 350 $213.65 $610,429 82.72% 7.325% 1.13 20009 286 $159.93 $559,196 78.14% 7.06% 1.09 20019 223 $86.28 $386,883 92.91% 7.638% 1.18 20001 198 $128.25 $647,727 80.26% 7.12% 1.10 20007 155 $132.66 $855,839 74.90% 7.05% 1.08 20003 152 $109.73 $721,908 78.73% 7.069% 1.09 20010 145 $93.69 $646,103 79.10% 7.125% 1.10 20017 132 $78.02 $591,061 85.11% 7.071% 1.09 20020 129 $49.37 $382,674 92.61% 7.49% 1.15 20016 127 $102.10 $803,898 74.42% 7.126% 1.10 20008 123 $93.12 $757,114 74.12% 7.054% 1.09
Mortgage lending is hyperlocal, varying significantly neighborhood to neighborhood. Using HMDA 2024 data (in HMDAVision) filtered for loans ≥6.5% vs. average (2025YTD) MBS rate of 6.5%, refinance incentive ratios across DC zip codes range from 1.05 to 1.24.
High-ratio areas like 20542 (1.24 ratio, 87.64% CLTV) show strong rate motivation but limited equity for traditional refinancing, requiring specialized high-LTV products.
Optimal strategy targets moderate-ratio, high-volume zones (20002: 1.10 ratio, 446 loans, 83.38% CLTV) where meaningful rate savings combine with adequate equity for streamlined approvals.
Low-ratio areas (20005, 20059) with sub-82% CLTVs represent premium borrowers ideal for relationship-based retention campaigns.
Lenders should stratify marketing by both incentive ratio and equity position, avoiding high-cost acquisition in equity-constrained markets while maximizing conversion in the sweet spot of motivated, qualified borrowers.
This hyperlocal intelligence enables precision marketing allocation, optimized territories, and data-driven advertising in the post-trigger-lead landscape.
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