Of 8,684 FHA applications reaching a credit decision in this metro in 2025, 1,339 were formally denied. Small applications (<$150K) were denied at 33.9% vs 13.9% for large ones ($250K+) — a 2.44× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 23.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CMG MORTGAGE INC | 468 | 3.4% |
| VELOCIO MORTGAGE, L.L.C. | 487 | 5.3% |
| DHI Mortgage Company, LTD. | 1,055 | 17.8% |
| United Wholesale Mortgage | 447 | 18.3% |
| Lennar Mortgage, LLC | 811 | 26.4% |
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 →