Of 12,614 FHA applications reaching a credit decision in this metro in 2025, 2,812 were formally denied. Small applications (<$150K) were denied at 42.5% vs 21.4% for large ones ($250K+) — a 1.99× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 61.5-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| GUILD MORTGAGE COMPANY | 387 | 5.4% |
| United Wholesale Mortgage | 1,766 | 17.9% |
| ROCKET MORTGAGE | 539 | 27.1% |
| AMERICAN FINANCING CORPORATION | 1,381 | 66.9% |
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 →