Of the 761 FHA applications that reached a credit decision in District of Columbia in 2025, 219 were denied. That is above the national rate of 21.7%, and ranks #51 of 52 jurisdictions from softest to hardest.
| Metro | Decisioned apps | Denial rate | Spread between its doors |
|---|---|---|---|
| Washington, DC-MD | 8,088 | 26.7% | 17.3 pts |
Geography sets the backdrop; the lender sets the outcome. Across the 100 largest FHA lenders nationally, 2025 denial rates ran from 1.8% to 78.7% — a 44× spread inside one federal program, far wider than any difference between states. If you have been denied, the record about doors is the useful place to look next.
All 100 lenders → The Denial Map → All states compared →