Of 4,585 FHA applications reaching a credit decision in this metro in 2025, 1,052 were formally denied. Small applications (<$150K) were denied at 37.5% vs 17.0% for large ones ($250K+) — a 2.21× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 17.9-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| United Wholesale Mortgage | 462 | 17.3% |
| DHI Mortgage Company, LTD. | 212 | 30.2% |
| ROCKET MORTGAGE | 244 | 35.2% |
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 →