Of 5,017 FHA applications reaching a credit decision in this metro in 2025, 1,168 were formally denied. Small applications (<$150K) were denied at 48.8% vs 21.6% for large ones ($250K+) — a 2.26× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 22.2-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| DHI Mortgage Company, LTD. | 546 | 19.2% |
| United Wholesale Mortgage | 506 | 26.5% |
| Lennar Mortgage, LLC | 445 | 27.4% |
| ROCKET MORTGAGE | 193 | 35.8% |
| TAYLOR MORRISON HOME FUNDING, INC. | 191 | 41.4% |
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 →