Of 2,049 FHA applications reaching a credit decision in this metro in 2025, 415 were formally denied. Small applications (<$150K) were denied at 33.7% vs 16.0% for large ones ($250K+) — a 2.11× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 23.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP | 151 | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | 172 | 4.1% |
| DHI Mortgage Company, LTD. | 120 | 19.2% |
| United Wholesale Mortgage | 143 | 23.8% |
| ROCKET MORTGAGE | 259 | 24.3% |
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 →