Of 12,930 FHA applications reaching a credit decision in this metro in 2025, 3,051 were formally denied. Small applications (<$150K) were denied at 50.6% vs 22.8% for large ones ($250K+) — a 2.22× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 28.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| OCMBC, INC. | 912 | 3.3% |
| Village Capital & Investment | 389 | 16.2% |
| PENNYMAC LOAN SERVICES LLC | 415 | 21.9% |
| United Wholesale Mortgage | 2,050 | 25.7% |
| ROCKET MORTGAGE | 1,149 | 31.6% |
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 →