FHA Single Family Originating Lending Areas
ByEach lender office has a “Lending Area” which is composed of clusters of States where a FHA registered branch or the home office of a FHA approved lender can originate new single family loans for FHA insurance. This geographic restriction does not apply to streamline refinance loans. In the FHA Connection, a lender can see the lending area of each of its registered branches and its home office under the section entitled Areas Approved for Business. The AAFB is a listing of all HUD field offices located in the States within the lending area and is located under the Institutional Profile tab in the Lender Approval section.
As long as the lender meets State requirements to be a mortgage broker or lender in a specific State, they can originate loans eligible for FHA insurance in any of States in their lending area. The following are the current lending areas:
|
Lender Office |
States in Lending Area |
|
Alabama |
Alabama, Florida, Georgia, Mississippi, Tennessee |
|
Alaska |
Alaska |
|
Arizona |
Arizona, California, Colorado, Nevada, New Mexico, Utah |
|
Arkansas |
Arkansas, Louisiana, Kansas, Mississippi, Missouri, Oklahoma, Tennessee, Texas |
|
California |
Arizona, California, Nevada, Oregon |
|
Colorado |
Arizona, Colorado, Kansas, Nebraska, New Mexico, Oklahoma, Utah, Wyoming |
|
Connecticut |
Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont |
|
District of Columbia |
Delaware, District of Columbia, Maryland, New Jersey, North Carolina, Pennsylvania, Virginia, West Virginia |
|
Delaware |
Delaware, District of Columbia, Maryland, New Jersey, New York, Pennsylvania, Virginia |
|
Florida |
Alabama, Florida, Georgia, Mississippi |
|
Georgia |
Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee |
|
Hawaii |
Hawaii, Guam, America Samoa |
|
Idaho |
Idaho, Montana, Nevada, Oregon, Utah, Washington, Wyoming |
|
Indiana |
Illinois, Indiana, Kentucky, Michigan, Ohio, Tennessee |
|
Illinois |
Illinois, Indiana, Iowa, Kentucky, Michigan, Missouri, Tennessee, Wisconsin |
|
Iowa |
Iowa, Illinois, Kansas, Minnesota, Missouri, Nebraska, South Dakota, Wisconsin |
|
Kansas |
Arkansas, Colorado, Iowa, Kansas, Nebraska, Missouri, Oklahoma |
|
Kentucky |
Illinois, Indiana, Kentucky, Missouri, Ohio, Tennessee, Virginia, West Virginia |
|
Louisiana |
Arkansas, Louisiana, Mississippi, Texas |
|
Maine |
Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont |
|
Maryland |
Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania, Virginia, West Virginia |
|
Massachusetts |
Connecticut, Massachusetts, Maine, New Hampshire, New Jersey, New York, Vermont, Rhode Island |
|
Michigan |
Illinois, Indiana, Michigan, Ohio, Wisconsin |
|
Minnesota |
Iowa, Minnesota, North Dakota, South Dakota, Wisconsin |
|
Mississippi |
Arkansas, Alabama, Florida, Louisiana, Mississippi, Tennessee |
|
Missouri |
Arkansas, Kentucky, Illinois, Iowa, Kansas, Missouri, Nebraska, Oklahoma, Tennessee |
|
Montana |
Idaho, Montana, North Dakota, South Dakota, Washington, Wyoming |
|
Nebraska |
Colorado, Iowa, Kansas, Missouri, Nebraska, South Dakota, Wyoming |
|
Nevada |
Arizona, California, Idaho, Nevada, Oregon, Utah |
|
New Hampshire |
Connecticut, Maine, Massachusetts, New Hampshire, New York, Vermont, Rhode Island |
|
New Jersey |
Connecticut, Delaware, District of Columbia, Maryland, Massachusetts, New Jersey, New York, Pennsylvania, Rhode Island, Virginia |
|
New Mexico |
Arizona, Colorado, New Mexico, Oklahoma, Texas, Utah |
|
New York |
Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont |
|
North Carolina |
District of Columbia, Georgia, North Carolina, South Carolina, Tennessee, Virginia |
|
North Dakota |
North Dakota, Minnesota, Montana, South Dakota |
|
Ohio |
Indiana, Kentucky, Michigan, New York, Ohio, Pennsylvania, West Virginia |
|
Oklahoma |
Arkansas, Colorado, Kansas, Missouri, New Mexico, Oklahoma, Texas |
|
Oregon |
California, Idaho, Nevada, Oregon, Washington |
|
Pennsylvania |
Connecticut, Delaware, District of Columbia, Maryland, New Jersey, New York, Ohio, Pennsylvania, Virginia, West Virginia |
|
Rhode Island |
Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont |
|
South Carolina |
Georgia, North Carolina, South Carolina, Tennessee |
|
South Dakota |
Iowa, Minnesota, Montana, Nebraska, North Dakota, South Dakota, Wyoming |
|
Tennessee |
Alabama, Arkansas, Georgia, Illinois, Indiana, Kentucky, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Virginia |
|
Texas |
Arkansas, Louisiana, New Mexico, Oklahoma, Texas |
|
Utah |
Arizona, Colorado, Idaho, Nevada, New Mexico, Utah, Wyoming |
|
Vermont |
Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, Vermont |
|
Virgin Islands |
Puerto Rico, Virgin Islands |
|
Virginia |
Delaware, District of Columbia, Kentucky, Maryland, New Jersey, North Carolina, Pennsylvania, Tennessee, Virginia, West Virginia |
|
Washington |
Idaho, Montana, Oregon, Washington |
|
West Virginia |
District of Columbia, Kentucky, Maryland, Ohio, Pennsylvania, Virginia, West Virginia |
|
Wisconsin |
Illinois, Iowa, Minnesota, Michigan, Wisconsin |
|
Wyoming |
Colorado, Idaho, Montana, Nebraska, South Dakota, Utah, Wyoming |
4 Comments
May 19th, 2008 at 10:23 am
[...] FHA Single Family Originating Lending AreasIn the FHA Connection, a lender can see the lending area of each of its registered branches and its home office under the section entitled AAFB (Areas Approved for Business). The AAFB is a listing of all HUD field offices located in the …Nationwide Mortgage Loans Blog – http://www.bdnationwidemortgage.com/blog [...]
May 19th, 2008 at 10:50 am
[...] by name …Residential Appraiser – Appraisal Blog,… – http://harriscompanyrec.com/blog1|||FHA Single Family Originating Lending Areas6. Mai 2008 admin In the FHA Connection, a lender can see the lending area of each of its registered [...]
May 19th, 2008 at 10:58 am
[...] by name …Residential Appraiser – Appraisal Blog,… – http://harriscompanyrec.com/blog1|||FHA Single Family Originating Lending AreasIn the FHA Connection, a lender can see the lending area of each of its registered branches and its [...]
October 10th, 2008 at 12:14 pm
Bad Credit Mortgage…
[..] …It is very difficult for mortgage companies to get people approved without FHA…