Of 12,100 FHA applications reaching a credit decision in this metro in 2025, 2,836 were formally denied. Small applications (<$150K) were denied at 36.0% vs 20.4% for large ones ($250K+) — a 1.76× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 29.9-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| VANDERBILT MORTGAGE AND FINANCE, INC | 473 | 4.0% |
| FREEDOM MORTGAGE CORPORATION | 649 | 16.9% |
| United Wholesale Mortgage | 927 | 21.9% |
| ROCKET MORTGAGE | 924 | 33.1% |
| Lennar Mortgage, LLC | 469 | 33.9% |
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 →