Of 6,834 FHA applications reaching a credit decision in this metro in 2025, 1,631 were formally denied. Small applications (<$150K) were denied at 43.4% vs 16.8% for large ones ($250K+) — a 2.58× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 15.8-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FREEDOM MORTGAGE CORPORATION | 273 | 18.7% |
| United Wholesale Mortgage | 467 | 25.7% |
| DHI Mortgage Company, LTD. | 236 | 25.8% |
| ROCKET MORTGAGE | 527 | 34.5% |
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 →