Of 2,472 FHA applications reaching a credit decision in this metro in 2025, 550 were formally denied. Small applications (<$150K) were denied at 32.6% vs 20.5% for large ones ($250K+) — a 1.59× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 16.6-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| NEW AMERICAN FUNDING, LLC. | 145 | 13.1% |
| DHI Mortgage Company, LTD. | 216 | 25.9% |
| ROCKET MORTGAGE | 193 | 28.0% |
| United Wholesale Mortgage | 138 | 29.7% |
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 →