Of 30,568 FHA applications reaching a credit decision in this metro in 2025, 8,351 were formally denied. Small applications (<$150K) were denied at 55.4% vs 23.4% for large ones ($250K+) — a 2.37× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 55.2-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FREEDOM MORTGAGE CORPORATION | 1,331 | 21.5% |
| United Wholesale Mortgage | 2,768 | 25.7% |
| ROCKET MORTGAGE | 2,451 | 33.1% |
| loanDepot.com LLC | 1,082 | 35.9% |
| AMERICAN FINANCING CORPORATION | 1,150 | 76.7% |
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 320 metros → Printable one-pager →