Of 5,514 FHA applications reaching a credit decision in this metro in 2025, 1,088 were formally denied. Small applications (<$150K) were denied at 39.2% vs 16.7% for large ones ($250K+) — a 2.35× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 10.2-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| DHI Mortgage Company, LTD. | 364 | 19.8% |
| United Wholesale Mortgage | 317 | 20.8% |
| NVR MORTGAGE FINANCE, INC. | 252 | 25.8% |
| ROCKET MORTGAGE | 377 | 27.3% |
| loanDepot.com LLC | 320 | 30.0% |
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 →