Of 6,975 FHA applications reaching a credit decision in this metro in 2025, 2,053 were formally denied. Small applications (<$150K) were denied at 68.2% vs 27.1% for large ones ($250K+) — a 2.52× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 55.8-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| DHI Mortgage Company, LTD. | 305 | 14.8% |
| United Wholesale Mortgage | 1,350 | 23.5% |
| Lennar Mortgage, LLC | 637 | 27.6% |
| ROCKET MORTGAGE | 517 | 27.9% |
| Lakeview Loan Servicing, LLC | 269 | 70.6% |
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 → Printable one-pager →