Of 2,063 FHA applications reaching a credit decision in this metro in 2025, 312 were formally denied. Small applications (<$150K) were denied at 22.6% vs 13.6% for large ones ($250K+) — a 1.66× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 12.6-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| DHI Mortgage Company, LTD. | 339 | 13.6% |
| United Wholesale Mortgage | 116 | 14.7% |
| Lennar Mortgage, LLC | 370 | 26.2% |
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 →