Of 14,615 FHA applications reaching a credit decision in this metro in 2025, 2,383 were formally denied. Small applications (<$150K) were denied at 30.6% vs 14.6% for large ones ($250K+) — a 2.10× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 9.8-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| KBHS HOME LOANS, LLC | 530 | 11.9% |
| DHI Mortgage Company, LTD. | 1,474 | 15.6% |
| United Wholesale Mortgage | 639 | 17.8% |
| Lennar Mortgage, LLC | 3,210 | 21.7% |
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 →