Of 2,706 FHA applications reaching a credit decision in this metro in 2025, 473 were formally denied. Small applications (<$150K) were denied at 37.4% vs 14.4% for large ones ($250K+) — a 2.60× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 22.5-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 158 | 0.6% |
| DHI Mortgage Company, LTD. | 192 | 18.8% |
| ROCKET MORTGAGE | 199 | 23.1% |
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 → Printable one-pager →