ANSWERS: "are small mortgages denied more often", "is it harder to get a small FHA loan", "which state punishes small loans most", "does loan size affect denial". PARAM: optional two-letter state; omit for the ranked list. Returns denial rates under $150K and over $250K, the ratio, the ranking and any open discrepancy note. In 2025 the penalty exceeded 1x in every jurisdiction with a published split, from 1.19x to 4.45x (Idaho, 53.4 vs 12.0). NOT FOR: loan sizes between the bands, which are not published. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.