Birmingham-Hoover, AL: 22.8% of FHA applications were denied in 2025.

Of 6,473 FHA applications reaching a credit decision in this metro in 2025, 1,479 were formally denied. Small applications (<$150K) were denied at 41.5% vs 16.4% for large ones ($250K+) — a 2.53× penalty.

The doors of Birmingham-Hoover, AL

The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 33.2-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.