Top States for HUD Section 184 Home Purchase Loans, 2025 YTD

This chart ranks U.S. states by the number of HUD Section 184 home purchase loans originated year-to-date in 2025.

Oklahoma leads with the highest loan count, affirming its role as a key market for Native American homeownership under this federal program. South Dakota, Montana, Arizona, and New Mexico round out the top five, reflecting regions with significant eligible tribal populations.

Notably, Montana stands out with a higher average loan amount, which may reflect differences in property values, loan-to-value practices, or borrower income profiles.

Average interest rates across these states are generally consistent, hovering in the 6.6%–6.9% range, indicating uniform pricing trends under the Section 184 program.

This state-level breakdown can help lenders, tribal housing authorities, and policymakers identify where housing finance demand is concentrated and where outreach or program support might be needed to improve access or affordability.