Of 6,594 FHA applications reaching a credit decision in this metro in 2025, 1,713 were formally denied. Small applications (<$150K) were denied at 35.7% vs 19.5% for large ones ($250K+) — a 1.83× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 72.7-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| MOVEMENT MORTGAGE, LLC | 239 | 4.6% |
| United Wholesale Mortgage | 552 | 21.7% |
| PENNYMAC LOAN SERVICES LLC | 241 | 22.0% |
| ROCKET MORTGAGE | 940 | 35.1% |
| AMERISAVE MORTGAGE COMPANY | 233 | 77.3% |
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 →