Of 13,881 FHA applications reaching a credit decision in this metro in 2025, 3,019 were formally denied. Small applications (<$150K) were denied at 40.7% vs 18.8% for large ones ($250K+) — a 2.16× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 28.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| MOVEMENT MORTGAGE, LLC | 732 | 3.4% |
| FREEDOM MORTGAGE CORPORATION | 547 | 15.7% |
| United Wholesale Mortgage | 1,169 | 21.6% |
| ROCKET MORTGAGE | 1,357 | 25.1% |
| loanDepot.com LLC | 889 | 31.7% |
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 →