Of 7,530 FHA applications reaching a credit decision in this metro in 2025, 1,585 were formally denied. Small applications (<$150K) were denied at 43.1% vs 18.4% for large ones ($250K+) — a 2.34× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 10.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| United Wholesale Mortgage | 694 | 18.0% |
| FREEDOM MORTGAGE CORPORATION | 372 | 19.9% |
| DHI Mortgage Company, LTD. | 234 | 20.5% |
| ROCKET MORTGAGE | 604 | 26.0% |
| loanDepot.com LLC | 279 | 28.0% |
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 →