Of 9,417 FHA applications reaching a credit decision in this metro in 2025, 2,069 were formally denied. Small applications (<$150K) were denied at 40.8% vs 19.1% for large ones ($250K+) — a 2.14× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 15.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| Lennar Mortgage, LLC | 515 | 16.5% |
| United Wholesale Mortgage | 1,162 | 17.9% |
| DHI Mortgage Company, LTD. | 562 | 19.6% |
| ROCKET MORTGAGE | 563 | 31.8% |
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 →