Of 2,368 FHA applications reaching a credit decision in this metro in 2025, 433 were formally denied. Small applications (<$150K) were denied at 30.7% vs 14.8% for large ones ($250K+) — a 2.07× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 35.2-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 186 | 0.5% |
| DAS ACQUISITION COMPANY, LLC | 123 | 3.3% |
| United Wholesale Mortgage | 117 | 12.0% |
| PENNYMAC LOAN SERVICES LLC | 133 | 18.8% |
| ROCKET MORTGAGE | 207 | 35.7% |
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 →