Of 7,648 FHA applications reaching a credit decision in this metro in 2025, 2,102 were formally denied. Small applications (<$150K) were denied at 37.4% vs 23.2% for large ones ($250K+) — a 1.61× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 48.9-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| UNION HOME MORTGAGE CORP. | 222 | 5.4% |
| FREEDOM MORTGAGE CORPORATION | 227 | 22.9% |
| United Wholesale Mortgage | 1,562 | 23.8% |
| ROCKET MORTGAGE | 1,324 | 28.0% |
| Lakeview Loan Servicing, LLC | 199 | 54.3% |
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 →