San Juan-Carolina-Caguas, PR: 16.9% of FHA applications were denied in 2025.

Of 6,042 FHA applications reaching a credit decision in this metro in 2025, 1,021 were formally denied. Small applications (<$150K) were denied at 18.0% vs 14.9% for large ones ($250K+) — a 1.21× penalty.

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.