Of 15,886 FHA applications reaching a credit decision in this metro in 2025, 3,424 were formally denied. Small applications (<$150K) were denied at 44.9% vs 19.1% for large ones ($250K+) — a 2.35× 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 |
|---|---|---|
| Click n' Close, Inc. | 736 | 6.1% |
| DHI Mortgage Company, LTD. | 1,154 | 13.6% |
| United Wholesale Mortgage | 2,121 | 21.5% |
| Lennar Mortgage, LLC | 1,163 | 24.9% |
| ROCKET MORTGAGE | 885 | 28.5% |
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 →