St. Petersburg-Clearwater-Largo, FL: 24.6% of FHA applications were denied in 2025.

Of 2,689 FHA applications reaching a credit decision in this metro in 2025, 661 were formally denied. Small applications (<$150K) were denied at 51.3% vs 19.3% for large ones ($250K+) — a 2.66× penalty.

The doors of St. Petersburg-Clearwater-Largo, FL

The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 5.2-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.