Of 3,179 FHA applications reaching a credit decision in this metro in 2025, 917 were formally denied. Small applications (<$150K) were denied at 45.9% vs 19.6% for large ones ($250K+) — a 2.34× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 33.6-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| MOVEMENT MORTGAGE, LLC | 135 | 3.7% |
| FREEDOM MORTGAGE CORPORATION | 159 | 22.0% |
| United Wholesale Mortgage | 338 | 25.4% |
| ROCKET MORTGAGE | 295 | 37.3% |
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 →