Of 10,458 FHA applications reaching a credit decision in this metro in 2025, 2,188 were formally denied. Small applications (<$150K) were denied at 32.9% vs 14.3% for large ones ($250K+) — a 2.30× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 19.9-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| GUILD MORTGAGE COMPANY | 796 | 7.3% |
| NEW AMERICAN FUNDING, LLC. | 609 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 485 | 16.7% |
| United Wholesale Mortgage | 546 | 19.0% |
| ROCKET MORTGAGE | 816 | 27.2% |
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 →