Of the 40 states and the District of Columbia where we are licensed, Texas had the largest share of FHA home purchase loans in 2025: about 31.1 of every 100 first-lien home purchase loans for a principal residence originated there were insured by the Federal Housing Administration, against about 21.1 nationally. Louisiana (30.6) and Mississippi (30.1) come next. The District of Columbia (6.3), Hawaii (7.3) and Wisconsin (8.5) are the smallest three. New Jersey is 31st, at about 14.9. The study is written for buyers weighing an FHA loan.
What the data covers, and what it does not
HMDA, the Home Mortgage Disclosure Act, requires covered lenders to report their mortgage loans to the federal government. The Consumer Financial Protection Bureau publishes the result. It is a count of every reported loan, not a sample, so there are no margins of error. It has limits:
- Lenders that report. A lender reports when it meets the size tests in Regulation C. One test is at least 25 closed-end mortgage loans in each of the two preceding calendar years. Loans from lenders below the tests are not here.
- Loan type is as reported. The lender records one of four loan types: conventional, FHA insured, VA, or USDA Rural Housing Service or Farm Service Agency.
- First liens on a principal residence. The study counts home purchase loans secured by a first lien on a home the borrower lives in. Nationally, 582,829 second liens and loans for a second residence or investment property are left out. Counting closed-end loans that are not reverse mortgages, the national figure is about 21.7 and Louisiana is first.
- It does not say why. The data record the loan type that was made, not the choices a buyer weighed. It also does not look at who the borrower was.
The table: 40 states and the District of Columbia
The second column counts FHA loans in every 100 first-lien home purchase loans for a principal residence originated in the state in 2025.
| State | FHA loans per 100 home purchase loans | FHA home purchase loans | All home purchase loans counted |
|---|---|---|---|
| Texas | 31.1 | 96,400 | 310,058 |
| Louisiana | 30.6 | 10,817 | 35,309 |
| Mississippi | 30.1 | 7,274 | 24,162 |
| Florida | 29.0 | 68,813 | 237,078 |
| Oklahoma | 29.0 | 11,131 | 38,430 |
| Alabama | 28.7 | 15,050 | 52,507 |
| Arizona | 28.3 | 22,817 | 80,538 |
| Georgia | 28.1 | 30,554 | 108,852 |
| New Mexico | 27.3 | 4,882 | 17,895 |
| Nevada | 27.2 | 8,750 | 32,142 |
| Arkansas | 25.5 | 7,715 | 30,218 |
| South Carolina | 25.0 | 18,141 | 72,449 |
| Utah | 24.8 | 9,107 | 36,751 |
| Tennessee | 22.9 | 17,493 | 76,408 |
| Kentucky | 22.7 | 9,796 | 43,218 |
| Delaware | 22.4 | 2,525 | 11,291 |
| Idaho | 22.0 | 5,208 | 23,680 |
| Maryland | 21.7 | 11,919 | 54,878 |
| Indiana | 21.3 | 16,323 | 76,490 |
| Colorado | 18.8 | 12,983 | 68,935 |
| Ohio | 18.8 | 21,384 | 113,909 |
| Oregon | 18.7 | 7,143 | 38,117 |
| California | 18.7 | 39,942 | 213,282 |
| North Carolina | 18.4 | 22,757 | 123,858 |
| Alaska | 17.7 | 1,208 | 6,841 |
| Montana | 16.8 | 1,608 | 9,574 |
| Virginia | 16.7 | 14,907 | 89,292 |
| Pennsylvania | 16.1 | 16,574 | 102,720 |
| Kansas | 16.1 | 4,547 | 28,303 |
| Washington | 15.2 | 11,095 | 72,945 |
| New Jersey | 14.9 | 9,703 | 65,065 |
| Michigan | 14.5 | 13,503 | 93,426 |
| Illinois | 14.2 | 15,118 | 106,581 |
| Connecticut | 13.2 | 3,758 | 28,551 |
| Iowa | 12.7 | 4,204 | 33,191 |
| Minnesota | 11.5 | 6,794 | 58,890 |
| Massachusetts | 10.9 | 5,543 | 50,872 |
| New Hampshire | 10.3 | 1,301 | 12,614 |
| Wisconsin | 8.5 | 4,629 | 54,759 |
| Hawaii | 7.3 | 558 | 7,621 |
| District of Columbia | 6.3 | 298 | 4,741 |
| United States, national figure | 21.1 | 632,907 | 2,993,788 |
Source: Consumer Financial Protection Bureau, HMDA Data Browser, 2025 data, read November 11, 2026. Ratios worked out by Fidelity Residential.
What the table shows
- The nation. 632,907 of 2,993,788 first-lien home purchase loans for a principal residence originated in 2025 were FHA loans, about 21.1 in every 100. 19 of the 40 states and the District of Columbia are above that figure and 22 are below it.
- The other loan types. Nationally, about 66.8 in every 100 of the same loans were conventional, 11.0 were VA loans and 1.1 were USDA loans. Alaska (29.4) and Hawaii (27.2) have the largest VA shares in the table; Alaska is 25th for FHA and Hawaii 40th.
- Counts. Texas has the most FHA home purchase loans, 96,400, then Florida with 68,813 and California with 39,942.
- New Jersey has 9,703 FHA home purchase loans of 65,065, 31st by ratio.
How we did this
- Dataset: CFPB HMDA Data Browser, 2025 data, loans originated (action taken 1) for a home purchase (loan purpose 1).
- Filters: first lien (lien status 1) and principal residence (occupancy type 1), all four loan types, counted from each state’s downloaded file; FHA is loan type 2.
- Formula: FHA loans divided by all loans that pass those filters, times 100. The national figure sums all states and the District of Columbia.
- Check: in every state, the downloaded file holds the same number of loans and the same total loan amount as the aggregation report, and the home purchase counts match a separate download made on November 10, 2026.
Open data. The table may be cited with credit to Fidelity Residential and a link to fidresi.com/insights/fha-home-purchases-by-state/.
If you are weighing an FHA loan
The table says nothing about any loan we offer. Our FHA loans page puts it this way: “An FHA loan is a mortgage on the home you live in, made by a private lender and insured by the Federal Housing Administration, that accepts smaller down payments and lower credit scores than most conventional loans.” If the down payment is the hard part, our guide to how down payment assistance works explains that the help is usually a second loan signed at the same closing as the FHA mortgage. Loan programs differ from state to state, and the states in this table are where we are licensed, which says nothing about any one program.
Frequently asked questions
Why does the table show 40 states and the District of Columbia?
Fidelity Residential is licensed in 40 states and the District of Columbia, and the table covers those.
What counts as an FHA loan here?
Loan type 2 as the lender reported it: insured by the Federal Housing Administration.
Why is there no margin of error?
HMDA is a report of loans by the lenders that file, not a survey sample, so each figure is a count.
Sources
- Consumer Financial Protection Bureau, FFIEC, HMDA Data Browser API documentation (opens in a new tab), accessed November 11, 2026.
- Consumer Financial Protection Bureau, FFIEC, HMDA Data Browser, 2025 data (home purchase loans originated, by state) (opens in a new tab), accessed November 11, 2026.
- Consumer Financial Protection Bureau, FFIEC, HMDA loan/application register (LAR) data fields: action_taken, loan_purpose, loan_type, lien_status, occupancy_type, open-end_line_of_credit, reverse_mortgage (opens in a new tab), accessed November 11, 2026.
- Consumer Financial Protection Bureau, Regulation C, 12 CFR 1003.2 (definitions, including financial institution) (opens in a new tab), accessed November 10, 2026.
Facts from these sources are stated in our own words. Last reviewed .
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