Halal mortgage availability by U.S. state in 2026 — the complete provider-by-state licensing matrix for Guidance Residential, UIF, Ijara CDC, Devon Bank, and Ameen Housing Cooperative, generated from HalalWallet's live provider registry. Published by HalalWallet (halalwallet.us).
Halal Mortgage Availability by State
Every U.S. state has at least one halal home financing option — but which providers you can choose from depends entirely on where you live. Here's the full provider-by-state matrix, generated from our live registry.
Direct answer
Which states have halal mortgage providers in 2026?
All 50 states plus Washington, D.C. have at least one halal home financing option, because Ijara CDC operates nationwide through 100+ residential funding partners. Beyond that, coverage tiers sharply: California is the only state served by all 5 tracked providers; 24 states have 4 providers (including Texas, Illinois, Michigan, and Florida); and in 7 areas — Hawaii, Idaho, Montana, Nevada, New Mexico, Wyoming, and Washington, D.C. — Ijara CDC is currently the only option. Guidance Residential is licensed in 35 states, Devon Bank in 34, and UIF in 32.
- Only nationwide provider: Ijara CDC (all 50 states + DC, via 100+ funding partners).
- Best-covered state: California — all 5 providers, including the Ameen Housing co-op.
- 24 states have 4 providers; 7 areas have only 1 (Ijara CDC).
- State footprints: Guidance Residential 35, Devon Bank 34, UIF 32, Ameen Housing 1 (CA).
Provider Coverage at a Glance
State counts come from each provider's licensing disclosures and published state lists, recorded in HalalWallet's registry with last-verified dates.
Ijara structure · registry-verified 2026-07-08
The only halal home financing provider serving all 50 states, operating as a 501(c)(3) nonprofit through a network of 100+ residential funding partners rather than a single state-by-state license footprint.
Musharakah structure · registry-verified 2026-07-08
The largest dedicated U.S. Islamic home financing company ($10B+ funded, 40,000+ families) — licensed in 35 states, with its Declining Balance Co-ownership program.
Murabaha structure
An Illinois-chartered community bank offering Murabaha and Ijara home financing in 34 states — one of the few FDIC-member banks with a dedicated Islamic finance program.
Musharakah structure · registry-verified 2026-07-08
A subsidiary of University Bank (Michigan) and AAOIFI institutional member, licensed for home financing in 32 states. Absorbed American Finance House LARIBA in April 2026.
Musharakah structure
A member-owned California cooperative (est. 1996) — its Musharakah co-op model funds homes in California, so it appears in one state rather than holding multi-state lender licenses.
Note: Neeyah, a shared-equity co-ownership startup (not a licensed lender), operates waitlist-based funding in California, Texas, Colorado, New Jersey, and Washington — see our Islamic housing co-op guide. American Finance House LARIBA merged into UIF Corporation on April 1, 2026.
The Full 50-State Matrix
Every state plus Washington, D.C. — click any state for its full hub page with providers ranked, structures explained, and Shariah oversight labeled.
Generated from HalalWallet's live provider registry (provider data last verified 2026-07-08). Machine-readable version: availability dataset.
Best & Worst Covered States
Coverage tiers sharply — and the tiers don't always follow Muslim population size.
California — all 5 providers
California is the only state where every tracked provider operates, and the only state where the Ameen Housing cooperative funds homes. A California buyer can choose between Musharakah (Guidance, UIF, Ameen), Ijara (Ijara CDC), and Murabaha (Devon Bank) structures — the full menu of U.S. halal home financing.
24 states — 4 providers
Alabama, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Missouri, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin all have four mortgage-style options (Guidance, UIF, Ijara CDC, Devon Bank). This tier covers most of the largest Muslim-population states — Texas, Illinois, Michigan, Florida — with real structure choice in each.
7 areas — Ijara CDC only
In Hawaii, Idaho, Montana, Nevada, New Mexico, Washington, D.C., Wyoming, Ijara CDC's nationwide funding-partner network is currently the only tracked halal option. Notably, New York — home to one of the largest U.S. Muslim communities — has only 3 providers, because Devon Bank's 34-state footprint doesn't include it.
See which providers serve your state
Why Halal Mortgage Coverage Varies by State
U.S. residential financing is regulated state by state — Islamic providers navigate the same licensing regime as conventional lenders, plus Shariah structuring on top.
State-by-state licensing is mandatory: A provider must hold a lender, broker, or banking license — or partner with an institution that does — in every state where it writes financing contracts. These licenses are tracked through the NMLS, the same system conventional lenders use.
Bank charters travel differently than lender licenses: Devon Bank reaches 34 states through its Illinois bank charter, and UIF operates through University Bank (Michigan). Non-bank providers like Guidance Residential license state by state, which is why footprints differ even among large providers.
Partner networks are the nationwide shortcut: Ijara CDC covers all 50 states not by holding 50 licenses itself but by structuring the Islamic contract layer over a network of 100+ licensed residential funding partners — the only U.S. halal provider with true national reach.
Co-op models sidestep licensing but concentrate geography: Ameen Housing's member-owned cooperative buys homes with members rather than lending to them, so it isn't a licensed mortgage lender at all — but its capital pool and appraisal operations keep it focused on California.
Coverage changes — verify before you plan: Providers add states as volume justifies licensing costs. Our registry records last-verified dates per provider, and this page regenerates from it — but always confirm your state with the provider during pre-qualification.
Frequently Asked Questions
Halal Finance Score
Is your mortgage halal? Check your full Halal Finance Score.
Average score: 63/100
Related Guides
Compare Providers →
Side-by-side halal mortgage comparison
Down Payment Requirements →
Verified minimums for every provider
Closing Timelines →
How long each halal provider takes to close
Eligibility & Credit Requirements →
Credit scores, ITIN, self-employed & visa holders
Halal Mortgage Rates →
What profit rates to expect in 2026
State Hubs →
Every halal finance category, state by state
Compare halal mortgage providers head-to-head
Side-by-side reviews of the major halal home financing providers — structure, scholarly review, state coverage, and our verdict.
Guidance Residential vs Ijara CDC
Declining Co-Ownership vs Ijara Lease-to-Own — Which Halal Mortgage Is Right for You?
Guidance Residential vs UIF (UIF)
AMJA-Endorsed vs AAOIFI-Certified — Two Shariah-Compliant Mortgage Structures Compared
Ijara CDC vs Devon Bank
Nonprofit Ijara Lease-to-Own vs FDIC-Insured Murabaha — Halal Home Financing Compared
UIF vs Ijara CDC
AAOIFI-Certified Musharakah vs Nonprofit Lease-to-Own — Which Halal Mortgage Fits?
UIF vs Devon Bank
AAOIFI Musharakah vs FDIC-Insured Murabaha — Comparing Two Full-Service Islamic Finance Providers
Neeyah vs Guidance Residential
New Digital-First Co-Ownership vs Established AMJA-Endorsed Leader
Devon Bank vs UIF — Full-Service Islamic Finance Comparison
FDIC-Insured Bank vs AAOIFI-Certified Finance Company — Which Islamic Finance Provider for You?
Halal mortgage availability in 2026: every U.S. state plus Washington, D.C. has at least one Islamic home financing option, because Ijara CDC operates nationwide through 100+ residential funding partners. California is the only state with all 5 tracked providers. 24 states — including Texas, Illinois, Michigan, and Florida — have 4 providers (Guidance Residential, UIF, Ijara CDC, Devon Bank). In 7 areas (Hawaii, Idaho, Montana, Nevada, New Mexico, Wyoming, D.C.), Ijara CDC is the only option. Provider footprints: Ijara CDC 50 states, Guidance Residential 35, Devon Bank 34, UIF 32, Ameen Housing 1 (California).
- Every state + DC has at least 1 halal option — Ijara CDC is the only nationwide provider
- California: the only state with all 5 providers, including the Ameen Housing co-op
- 24 states have 4 mortgage-style providers; 7 areas have only Ijara CDC
- New York has 3 providers — Devon Bank's 34-state footprint excludes it
- Matrix regenerates from HalalWallet's live registry with per-provider verification dates
Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: 2026-07-10
How to cite this page
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For time-sensitive claims (rates, fees, state availability), please verify directly with the provider's official documentation and note the retrieval date.
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Editorial Team, HalalWallet
Independent halal finance research
Regenerated from the live provider registry; reviewed quarterly and updated when provider state licensing changes.
How to use this comparison: HalalWallet is an independent educational comparison platform — by design, we do not provide financial, legal, or religious advice. We do the research homework so your final checks are quick and personal.
Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
- Confirm current terms and halal compliance directly with the provider — their quote is final.
- Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
- Bring your shortlist to a qualified Islamic finance advisor or scholar, so the conversation is about your situation, not the basics.