Of 5,136 FHA applications reaching a credit decision in this metro in 2025, 1,030 were formally denied. Small applications (<$150K) were denied at 39.2% vs 17.5% for large ones ($250K+) — a 2.24× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 21.2-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| Lennar Mortgage, LLC | 224 | 12.1% |
| DHI Mortgage Company, LTD. | 209 | 13.4% |
| Kind Lending, LLC | 267 | 15.7% |
| United Wholesale Mortgage | 810 | 17.4% |
| ROCKET MORTGAGE | 369 | 33.3% |
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 →