Of 20,759 FHA applications reaching a credit decision in this metro in 2025, 4,424 were formally denied. Small applications (<$150K) were denied at 52.4% vs 20.1% for large ones ($250K+) — a 2.61× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 28.1-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| OCMBC, INC. | 1,183 | 3.1% |
| DHI Mortgage Company, LTD. | 701 | 16.4% |
| loanDepot.com LLC | 724 | 21.5% |
| United Wholesale Mortgage | 3,567 | 22.1% |
| ROCKET MORTGAGE | 1,384 | 31.2% |
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 →