Of 3,306 FHA applications reaching a credit decision in this metro in 2025, 722 were formally denied. Small applications (<$150K) were denied at 40.4% vs 14.2% for large ones ($250K+) — a 2.85× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 18.4-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| GUILD MORTGAGE COMPANY | 358 | 8.9% |
| DHI Mortgage Company, LTD. | 189 | 22.8% |
| United Wholesale Mortgage | 194 | 23.7% |
| FREEDOM MORTGAGE CORPORATION | 122 | 26.2% |
| ROCKET MORTGAGE | 293 | 27.3% |
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 →