Of 4,841 FHA applications reaching a credit decision in this metro in 2025, 846 were formally denied. Small applications (<$150K) were denied at 32.2% vs 14.2% for large ones ($250K+) — a 2.27× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 11.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| DHI Mortgage Company, LTD. | 162 | 12.3% |
| United Wholesale Mortgage | 454 | 15.2% |
| FREEDOM MORTGAGE CORPORATION | 213 | 16.0% |
| ROCKET MORTGAGE | 457 | 23.6% |
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 →