Of 11,446 FHA applications reaching a credit decision in this metro in 2025, 2,030 were formally denied. Small applications (<$150K) were denied at 37.0% vs 16.0% for large ones ($250K+) — a 2.31× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 21.2-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| GUILD MORTGAGE COMPANY | 771 | 4.8% |
| DHI Mortgage Company, LTD. | 576 | 8.7% |
| United Wholesale Mortgage | 1,326 | 16.6% |
| loanDepot.com LLC | 451 | 23.1% |
| ROCKET MORTGAGE | 566 | 26.0% |
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 →