Of 8,530 FHA applications reaching a credit decision in this metro in 2025, 1,667 were formally denied. Small applications (<$150K) were denied at 35.7% vs 14.8% for large ones ($250K+) — a 2.41× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 20.8-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FAIRWAY INDEPENDENT MORT CORP | 399 | 6.5% |
| United Wholesale Mortgage | 562 | 15.8% |
| FREEDOM MORTGAGE CORPORATION | 413 | 17.7% |
| PENNYMAC LOAN SERVICES LLC | 384 | 19.8% |
| ROCKET MORTGAGE | 735 | 27.3% |
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 → Printable one-pager →