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HMDA 2025 · 399,179 FHA Records · 11 Lenders

FHA Mortgage Approval
Climate by State

Real federal data. Click any state for details. Lower OFI = easier approval environment.

⚠️ Educational Only — OFI scores derived from CFPB HMDA 2025 actual FHA denial rates. Not financial advice. Individual outcomes vary.
OFI:
≤35 Favorable
36–50 Moderate
51–65 Tight
66+ Very Tight
HMDA 2024 FHA Data
OFI Score
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✅ Most Favorable
⚠️ Tightest Markets
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Source: CFPB HMDA 2025 Public Dataset · 399,179 FHA records (2025) · 11 major lenders · OFI normalized to national average (24.7% denial = OFI 47). All-cash purchases (~39% of 2025 sales) are not captured in HMDA and excluded from this analysis. Educational purposes only.
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