Of 6,673 FHA applications reaching a credit decision in this metro in 2025, 1,435 were formally denied. Small applications (<$150K) were denied at 39.8% vs 15.8% for large ones ($250K+) — a 2.52× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 12.5-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FREEDOM MORTGAGE CORPORATION | 435 | 14.3% |
| United Wholesale Mortgage | 786 | 14.8% |
| PENNYMAC LOAN SERVICES LLC | 194 | 18.6% |
| ROCKET MORTGAGE | 582 | 26.8% |
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 →