Of 5,666 FHA applications reaching a credit decision in this metro in 2025, 1,214 were formally denied. Small applications (<$150K) were denied at 48.8% vs 19.4% for large ones ($250K+) — a 2.52× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 25.7-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| MOVEMENT MORTGAGE, LLC | 251 | 2.8% |
| Primary Residential Mortgage, INC. | 321 | 13.7% |
| FREEDOM MORTGAGE CORPORATION | 289 | 18.0% |
| United Wholesale Mortgage | 513 | 19.5% |
| ROCKET MORTGAGE | 316 | 28.5% |
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 →