Of 15,131 FHA applications reaching a credit decision in this metro in 2025, 3,666 were formally denied. Small applications (<$150K) were denied at 43.4% vs 22.0% for large ones ($250K+) — a 1.97× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 53.1-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| DHI Mortgage Company, LTD. | 1,098 | 16.5% |
| United Wholesale Mortgage | 2,394 | 22.1% |
| Lennar Mortgage, LLC | 664 | 30.3% |
| ROCKET MORTGAGE | 791 | 30.7% |
| Lakeview Loan Servicing, LLC | 441 | 69.6% |
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 →