Of 23,030 FHA applications reaching a credit decision in this metro in 2025, 3,949 were formally denied. Small applications (<$150K) were denied at 34.5% vs 15.7% for large ones ($250K+) — a 2.20× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 11.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| DHI Mortgage Company, LTD. | 3,503 | 16.6% |
| United Wholesale Mortgage | 1,557 | 20.9% |
| ROCKET MORTGAGE | 644 | 24.8% |
| Lennar Mortgage, LLC | 2,418 | 27.2% |
| loanDepot.com LLC | 802 | 27.9% |
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 →