Of 33,798 FHA applications reaching a credit decision in this metro in 2025, 5,985 were formally denied. Small applications (<$150K) were denied at 38.9% vs 17.0% for large ones ($250K+) — a 2.29× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 9.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| loanDepot.com LLC | 926 | 16.5% |
| United Wholesale Mortgage | 3,007 | 17.2% |
| DHI Mortgage Company, LTD. | 3,244 | 20.1% |
| Lennar Mortgage, LLC | 3,416 | 24.3% |
| ROCKET MORTGAGE | 1,297 | 25.5% |
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 →