Baltimore-Columbia-Towson, MD: 23.4% of FHA applications were denied in 2025.

Of 11,032 FHA applications reaching a credit decision in this metro in 2025, 2,580 were formally denied. Small applications (<$150K) were denied at 44.8% vs 20.0% for large ones ($250K+) — a 2.24× penalty.

The doors of Baltimore-Columbia-Towson, MD

The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 10.9-point spread inside one metro:

What to do with this

A metro average is a tendency, not a rule — and the table above shows why: the same city contains very different doors. If you've been denied, decode the reason first, then pick the next door on the record, not on advertising.