Of 3,613 FHA applications reaching a credit decision in this metro in 2025, 744 were formally denied. Small applications (<$150K) were denied at 37.6% vs 16.2% for large ones ($250K+) — a 2.32× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 27.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP | 258 | 0.4% |
| MOVEMENT MORTGAGE, LLC | 165 | 3.0% |
| ROCKET MORTGAGE | 368 | 23.4% |
| DHI Mortgage Company, LTD. | 229 | 24.5% |
| United Wholesale Mortgage | 191 | 27.7% |
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 →