Of 7,090 FHA applications reaching a credit decision in this metro in 2025, 1,516 were formally denied. Small applications (<$150K) were denied at 51.9% vs 17.7% for large ones ($250K+) — a 2.93× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 19.8-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP | 396 | 5.1% |
| MOVEMENT MORTGAGE, LLC | 361 | 5.8% |
| American Neighborhood Mortgage Acceptance Company | 525 | 6.5% |
| United Wholesale Mortgage | 660 | 22.9% |
| ROCKET MORTGAGE | 526 | 24.9% |
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 →