Of 3,247 FHA applications reaching a credit decision in this metro in 2025, 628 were formally denied. Small applications (<$150K) were denied at 41.1% vs 14.5% for large ones ($250K+) — a 2.83× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 24.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CMG MORTGAGE INC | 121 | 9.1% |
| United Wholesale Mortgage | 162 | 20.4% |
| PENNYMAC LOAN SERVICES LLC | 142 | 21.8% |
| ROCKET MORTGAGE | 311 | 33.1% |
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 →