Of 5,346 FHA applications reaching a credit decision in this metro in 2025, 904 were formally denied. Small applications (<$150K) were denied at 35.6% vs 12.2% for large ones ($250K+) — a 2.92× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 34.1-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 406 | 1.7% |
| ROCKET MORTGAGE | 360 | 35.8% |
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 →