Of 9,698 FHA applications reaching a credit decision in this metro in 2025, 2,495 were formally denied. Small applications (<$150K) were denied at 41.5% vs 24.5% for large ones ($250K+) — a 1.69× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 13.6-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| United Wholesale Mortgage | 1,076 | 21.7% |
| DHI Mortgage Company, LTD. | 910 | 25.3% |
| ROCKET MORTGAGE | 407 | 27.3% |
| Lennar Mortgage, LLC | 761 | 33.9% |
| loanDepot.com LLC | 529 | 35.3% |
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 →