Of 27,102 FHA applications reaching a credit decision in this metro in 2025, 4,922 were formally denied. Small applications (<$150K) were denied at 55.5% vs 16.4% for large ones ($250K+) — a 3.38× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 14.1-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| Lennar Mortgage, LLC | 1,011 | 13.6% |
| loanDepot.com LLC | 1,073 | 17.9% |
| DHI Mortgage Company, LTD. | 1,471 | 18.0% |
| United Wholesale Mortgage | 3,778 | 18.1% |
| ROCKET MORTGAGE | 1,511 | 27.7% |
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 →