Of 6,546 FHA applications reaching a credit decision in this metro in 2025, 1,445 were formally denied. Small applications (<$150K) were denied at 45.5% vs 18.2% for large ones ($250K+) — a 2.50× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 22.4-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FREEDOM MORTGAGE CORPORATION | 302 | 14.6% |
| United Wholesale Mortgage | 468 | 20.1% |
| PENNYMAC LOAN SERVICES LLC | 220 | 24.5% |
| ROCKET MORTGAGE | 586 | 24.9% |
| NVR MORTGAGE FINANCE, INC. | 362 | 37.0% |
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 →