FinanceRateCalc
FRC Statistic · FRC-021 · 2025 federal record

Which state has the highest FHA denial rate?

31.4%

Hawaii had the highest observed FHA denial rate in 2025 at 31.4%, followed by DC at 28.8% and Illinois at 27.4%, while Idaho and Utah were lowest at 15.0% - roughly a 2x spread across states - per FinanceRateCalc analysis of the complete CFPB HMDA 2025 FHA dataset (1,187,606 decisioned applications).

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Source: CFPB HMDA 2025 (1,187,606 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics

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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.