Of 10,941 FHA applications reaching a credit decision in this metro in 2025, 2,103 were formally denied. Small applications (<$150K) were denied at 42.0% vs 16.6% for large ones ($250K+) — a 2.53× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 21.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CMG MORTGAGE INC | 586 | 3.2% |
| FREEDOM MORTGAGE CORPORATION | 470 | 14.3% |
| United Wholesale Mortgage | 999 | 16.1% |
| NVR MORTGAGE FINANCE, INC. | 475 | 19.6% |
| ROCKET MORTGAGE | 775 | 24.5% |
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 →