Of 4,883 FHA applications reaching a credit decision in this metro in 2025, 908 were formally denied. Small applications (<$150K) were denied at 48.1% vs 16.1% for large ones ($250K+) — a 2.99× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 9.7-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FREEDOM MORTGAGE CORPORATION | 196 | 17.3% |
| DHI Mortgage Company, LTD. | 491 | 18.7% |
| Lennar Mortgage, LLC | 294 | 19.0% |
| United Wholesale Mortgage | 311 | 19.9% |
| ROCKET MORTGAGE | 282 | 27.0% |
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 319 metros → Printable one-pager →