FinanceRateCalc
FRC Statistic · FRC-023 · 2025 federal record

Are there states where small FHA loans have disappeared?

150,000

Effectively yes: in Hawaii, the District of Columbia, and Alaska, fewer than 100 FHA applications under $150,000 received a credit decision in all of 2025, per FinanceRateCalc analysis of federal HMDA records - in those markets the affordable rung of the FHA ladder has essentially ceased to exist.

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Source: CFPB HMDA 2025 (1,217,297 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics