Of 3,251 FHA applications reaching a credit decision in this metro in 2025, 367 were formally denied. Small applications (<$150K) were denied at 24.0% vs 10.3% for large ones ($250K+) — a 2.33× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 10.9-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 272 | 3.7% |
| CMG MORTGAGE INC | 246 | 4.1% |
| Synergy One Lending, Inc. | 210 | 7.6% |
| United Wholesale Mortgage | 240 | 14.6% |
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 319 metros → Printable one-pager →