Of 5,054 FHA applications reaching a credit decision in this metro in 2025, 1,136 were formally denied. Small applications (<$150K) were denied at 46.0% vs 19.7% for large ones ($250K+) — a 2.34× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 13.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| DHI Mortgage Company, LTD. | 414 | 17.1% |
| United Wholesale Mortgage | 733 | 18.8% |
| PENNYMAC LOAN SERVICES LLC | 157 | 21.0% |
| ROCKET MORTGAGE | 300 | 27.3% |
| Lennar Mortgage, LLC | 173 | 30.1% |
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 →