Of 7,052 FHA applications reaching a credit decision in this metro in 2025, 2,166 were formally denied. Small applications (<$150K) were denied at 39.2% vs 23.7% for large ones ($250K+) — a 1.65× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 57.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| United Wholesale Mortgage | 1,397 | 24.6% |
| ROCKET MORTGAGE | 1,322 | 31.5% |
| Flagstar Bank NA | 203 | 36.5% |
| loanDepot.com LLC | 202 | 58.4% |
| AMERISAVE MORTGAGE COMPANY | 256 | 81.6% |
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 → Printable one-pager →