Of 3,112 FHA applications reaching a credit decision in this metro in 2025, 904 were formally denied. Small applications (<$150K) were denied at 51.9% vs 21.9% for large ones ($250K+) — a 2.37× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 20.7-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FAIRWAY INDEPENDENT MORT CORP | 101 | 10.9% |
| PENNYMAC LOAN SERVICES LLC | 117 | 19.7% |
| FREEDOM MORTGAGE CORPORATION | 144 | 25.0% |
| United Wholesale Mortgage | 243 | 25.5% |
| ROCKET MORTGAGE | 358 | 31.6% |
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.
Denied? The Denial Map → All 100 lenders → All 319 metros → Printable one-pager →