Of 7,102 FHA applications reaching a credit decision in this metro in 2025, 1,646 were formally denied. Small applications (<$150K) were denied at 47.6% vs 20.9% for large ones ($250K+) — a 2.28× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 37.5-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| American Pacific Mortgage Corporation | 302 | 7.9% |
| United Wholesale Mortgage | 1,067 | 18.7% |
| loanDepot.com LLC | 453 | 23.2% |
| ROCKET MORTGAGE | 470 | 26.2% |
| Lennar Mortgage, LLC | 504 | 45.4% |
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 →