Of 3,817 FHA applications reaching a credit decision in this metro in 2025, 437 were formally denied. Small applications (<$150K) were denied at 31.7% vs 9.9% for large ones ($250K+) — a 3.20× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 13.6-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| Premier Mortgage Resources, LLC | 381 | 2.6% |
| GUILD MORTGAGE COMPANY | 240 | 3.3% |
| United Wholesale Mortgage | 266 | 13.5% |
| loanDepot.com LLC | 176 | 13.6% |
| ROCKET MORTGAGE | 197 | 16.2% |
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 →