Of 2,896 FHA applications reaching a credit decision in this metro in 2025, 577 were formally denied. Small applications (<$150K) were denied at 44.7% vs 14.5% for large ones ($250K+) — a 3.08× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 25.2-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CMG MORTGAGE INC | 121 | 5.0% |
| UNION HOME MORTGAGE CORP. | 182 | 5.5% |
| FREEDOM MORTGAGE CORPORATION | 144 | 18.1% |
| United Wholesale Mortgage | 173 | 22.5% |
| ROCKET MORTGAGE | 262 | 30.2% |
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 → Printable one-pager →