FHA Purchase Loans to Non-Permanent Residents Nearly Vanish After HUD Rule Change
After HUD's rule took effect May 25, 2025, non-permanent residents' share of FHA purchase loans fell from 5.8% to about 0.1%, ICE data shows.
Key facts
- HUD stopped letting non-permanent residents qualify for FHA's single-family Title I and Title II loans as of May 25, 2025.
- Intercontinental Exchange (ICE) data shows non-permanent residents' share of FHA purchase originations fell from about 5.8% to about 0.1%.
- Across all loan types, their share of purchase mortgages dropped by 2.2 percentage points to 3.4%.
- In Salt Lake City the share fell from 26% to 0.15%, and in Orlando it fell from 16.1% to 0.2%.
- Loan specialists at Churchill Mortgage say affected borrowers are now turning to conventional or non-QM loans.
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Source: FHA lending to nonpermanent residents has dropped in the wake of HUD’s rule change — HousingWire, October 8, 2026. Summary and commentary by RISE Community; read the full story at the source.
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