Mortgage Application Data by State (2025 HMDA)
Mortgage application data by state: lenders acted on 11,614,041 mortgage applications in 2025. 17.7% were denied, the median loan came to $240,140 and the median applicant earned $111,582.
Applications acted on
11,614,041
Loans originated
6,778,636
Denial rate
17.7%
Median loan
$240,140
Where mortgages are hardest to get
National denial rate for comparison: 17.7%.
Where mortgages are easiest to get
Every state, 2025
| State | Applications | Denial rate | Median loan |
|---|---|---|---|
| Alabama | 206,122 | 19.6% | $165,000 |
| Alaska | 19,604 | 14.0% | $305,000 |
| Arizona | 307,947 | 16.1% | $275,000 |
| Arkansas | 116,593 | 18.1% | $165,000 |
| California | 1,012,186 | 17.4% | $385,000 |
| Colorado | 259,724 | 15.6% | $325,000 |
| Connecticut | 122,480 | 17.2% | $245,000 |
| Delaware | 45,450 | 18.1% | $245,000 |
| District of Columbia | 16,586 | 17.8% | $405,000 |
| Florida | 926,608 | 21.0% | $255,000 |
| Georgia | 446,240 | 19.1% | $235,000 |
| Hawaii | 35,757 | 21.8% | $405,000 |
| Idaho | 89,662 | 14.4% | $265,000 |
| Illinois | 393,598 | 17.0% | $185,000 |
| Indiana | 284,857 | 16.4% | $165,000 |
| Iowa | 110,066 | 12.6% | $135,000 |
| Kansas | 94,076 | 14.9% | $165,000 |
| Kentucky | 172,496 | 18.7% | $155,000 |
| Louisiana | 132,243 | 21.9% | $165,000 |
| Maine | 56,679 | 16.1% | $215,000 |
| Maryland | 225,152 | 18.6% | $265,000 |
| Massachusetts | 215,901 | 16.1% | $325,000 |
| Michigan | 380,395 | 18.4% | $155,000 |
| Minnesota | 184,116 | 13.5% | $215,000 |
| Mississippi | 102,395 | 22.7% | $135,000 |
| Missouri | 232,264 | 14.9% | $175,000 |
| Montana | 37,033 | 14.8% | $275,000 |
| Nebraska | 64,991 | 12.5% | $185,000 |
| Nevada | 119,479 | 17.3% | $305,000 |
| New Hampshire | 57,543 | 16.5% | $265,000 |
| New Jersey | 318,123 | 17.6% | $295,000 |
| New Mexico | 73,180 | 18.5% | $205,000 |
| New York | 387,498 | 19.6% | $235,000 |
| North Carolina | 483,559 | 18.0% | $225,000 |
| North Dakota | 20,523 | 11.4% | $205,000 |
| Ohio | 459,758 | 17.6% | $155,000 |
| Oklahoma | 139,654 | 17.7% | $165,000 |
| Oregon | 146,596 | 15.2% | $275,000 |
| Pennsylvania | 444,182 | 18.1% | $155,000 |
| Rhode Island | 43,428 | 18.6% | $255,000 |
| South Carolina | 251,261 | 18.2% | $225,000 |
| South Dakota | 25,880 | 12.7% | $225,000 |
| Tennessee | 301,626 | 17.0% | $225,000 |
| Texas | 951,955 | 19.3% | $245,000 |
| Utah | 151,152 | 15.9% | $305,000 |
| Vermont | 20,660 | 14.8% | $205,000 |
| Virginia | 339,821 | 15.9% | $255,000 |
| Washington | 285,828 | 15.6% | $335,000 |
| West Virginia | 53,687 | 21.1% | $145,000 |
| Wisconsin | 225,687 | 13.9% | $175,000 |
| Wyoming | 21,740 | 15.4% | $235,000 |
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How we built this
We download the CFPB's public loan application register for every state, keep only applications the lender acted on (originated, approved-not-accepted, denied, withdrawn, or closed for incompleteness), and compute counts and medians per state, county and census tract. Tracts are published only when they carry 100 or more applications, so no small-area figure rests on a handful of files. Nothing at the applicant level is stored or republished.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register).