Of 8,088 FHA applications reaching a credit decision in this metro in 2025, 2,159 were formally denied. Small applications (<$150K) were denied at 55.6% vs 25.0% for large ones ($250K+) — a 2.22× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 17.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| FREEDOM MORTGAGE CORPORATION | 418 | 15.3% |
| PENNYMAC LOAN SERVICES LLC | 284 | 25.0% |
| NVR MORTGAGE FINANCE, INC. | 421 | 28.0% |
| ROCKET MORTGAGE | 574 | 31.7% |
| United Wholesale Mortgage | 736 | 32.6% |
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 →