Of 6,732 FHA applications reaching a credit decision in this metro in 2025, 2,123 were formally denied. Small applications (<$150K) were denied at 75.1% vs 28.4% for large ones ($250K+) — a 2.64× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 69.4-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| PARAMOUNT RESIDENTIAL MORTGAGE | 251 | 5.2% |
| FREEDOM MORTGAGE CORPORATION | 275 | 24.7% |
| United Wholesale Mortgage | 1,624 | 26.4% |
| ROCKET MORTGAGE | 526 | 30.0% |
| Lakeview Loan Servicing, LLC | 323 | 74.6% |
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 →