Of 2,612 FHA applications reaching a credit decision in this metro in 2025, 551 were formally denied. Small applications (<$150K) were denied at 31.8% vs 14.0% for large ones ($250K+) — a 2.27× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 23.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| GUILD MORTGAGE COMPANY | 208 | 4.8% |
| PENNYMAC LOAN SERVICES LLC | 165 | 17.6% |
| United Wholesale Mortgage | 143 | 18.2% |
| FREEDOM MORTGAGE CORPORATION | 142 | 19.7% |
| ROCKET MORTGAGE | 242 | 28.1% |
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 →