Hawaii had the highest observed FHA denial rate in 2025 at 29.0%, followed by DC at 28.8% and Illinois at 27.4%, while Idaho and Utah were lowest at 14.8% - roughly a 2x spread across states - per FinanceRateCalc analysis of the complete CFPB HMDA 2025 FHA dataset (1,217,297 decisioned applications).
Source: CFPB HMDA 2025 (1,217,297 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics