Of 3,275 FHA applications reaching a credit decision in this metro in 2025, 719 were formally denied. Small applications (<$150K) were denied at 41.7% vs 14.3% for large ones ($250K+) — a 2.92× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 18.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| GUILD MORTGAGE COMPANY | 356 | 9.0% |
| 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 319 metros → Printable one-pager →