County ranking · HMDA 2025
Counties with the highest and lowest mortgage denial rates
Denied ÷ completed home-purchase applications. Ranked among 1,994 counties with at least 100 home-purchase mortgages in 2025.
Highest purchase denial rate
| Rank | County | Value | Purchases |
|---|---|---|---|
| 1 | Washington County, MS | 25.4% | 125 |
| 2 | Grenada County, MS | 23.5% | 102 |
| 3 | Franklin city, VA | 21.8% | 153 |
| 4 | Decatur County, GA | 21.7% | 134 |
| 5 | Hendry County, FL | 21.6% | 377 |
| 6 | Rockdale County, GA | 21.2% | 1,070 |
| 7 | Avoyelles Parish, LA | 20.9% | 192 |
| 8 | Bronx County, NY | 20.8% | 1,678 |
| 9 | Aroostook County, ME | 20.7% | 416 |
| 10 | Franklin County, AL | 20.4% | 144 |
| 11 | Jim Wells County, TX | 19.8% | 132 |
| 12 | Miami-Dade County, FL | 19.3% | 13,299 |
| 13 | Prentiss County, MS | 19.3% | 115 |
| 14 | Orangeburg County, SC | 19.3% | 515 |
| 15 | St. John the Baptist Parish, LA | 19.1% | 219 |
| 16 | Hardee County, FL | 18.8% | 116 |
| 17 | Marion County, SC | 18.7% | 115 |
| 18 | Washington County, FL | 18.7% | 215 |
| 19 | Columbus County, NC | 18.7% | 213 |
| 20 | Atascosa County, TX | 18.7% | 325 |
| 21 | Finney County, KS | 18.5% | 159 |
| 22 | St. Lawrence County, NY | 18.3% | 410 |
| 23 | Polk County, FL | 18.2% | 10,477 |
| 24 | Lawrence County, AR | 18.1% | 117 |
| 25 | Dyer County, TN | 17.7% | 248 |
Lowest purchase denial rate
| Rank | County | Value | Purchases |
|---|---|---|---|
| 1994 | Houston County, MN | 1.1% | 176 |
| 1993 | Izard County, AR | 1.8% | 104 |
| 1992 | Garrard County, KY | 2.0% | 193 |
| 1991 | Butler County, IA | 2.2% | 130 |
| 1990 | Clarke County, VA | 2.2% | 127 |
| 1989 | Lanier County, GA | 2.6% | 112 |
| 1988 | Ward County, ND | 2.6% | 737 |
| 1987 | Albany County, WY | 2.6% | 328 |
| 1986 | Calumet County, WI | 2.8% | 614 |
| 1985 | Routt County, CO | 2.8% | 199 |
| 1984 | Blue Earth County, MN | 3.0% | 514 |
| 1983 | Johnson County, IA | 3.0% | 1,790 |
| 1982 | Randall County, TX | 3.0% | 1,897 |
| 1981 | Humboldt County, NV | 3.0% | 124 |
| 1980 | Winona County, MN | 3.1% | 374 |
| 1979 | Boise County, ID | 3.1% | 115 |
| 1978 | Bremer County, IA | 3.1% | 270 |
| 1977 | Johnson County, KS | 3.2% | 7,318 |
| 1976 | Tillamook County, OR | 3.2% | 199 |
| 1975 | Jefferson County, IA | 3.3% | 114 |
| 1974 | Atchison County, KS | 3.3% | 109 |
| 1973 | Jackson County, IN | 3.3% | 344 |
| 1972 | Otoe County, NE | 3.3% | 173 |
| 1971 | Clay County, MO | 3.3% | 3,316 |
| 1970 | Auglaize County, OH | 3.3% | 372 |
- Counties where home buyers earn the most and least
- Largest and smallest home-purchase loans by county
- Highest and lowest financed home values by county
- Highest and lowest mortgage loan costs by county
- Highest and lowest mortgage rates by county
- Biggest and smallest down payments by county
- Where FHA loans are most and least common
Source: FFIEC/CFPB HMDA 2025 public LAR; owner-occupied single-family site-built homes, first-lien closed-end purchase loans. Methodology