Hagerstown-Martinsburg, MD-WV: 19.3% of FHA applications were denied in 2025.

Of 2,247 FHA applications reaching a credit decision in this metro in 2025, 433 were formally denied. Small applications (<$150K) were denied at 36.2% vs 16.1% for large ones ($250K+) — a 2.25× penalty.

The doors of Hagerstown-Martinsburg, MD-WV

The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 23.1-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.