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FRC Research · 2025 federal record

San Diego-Carlsbad, CA: 23.6% of FHA applications were denied in 2025.

Of 3,679 FHA applications reaching a credit decision in this metro in 2025, 868 were formally denied.

The doors of San Diego-Carlsbad, CA

The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 56.1-point spread inside one metro:

LenderDecisioned apps (this metro)Denial rate
CROSSCOUNTRY MORTGAGE, LLC1180.8%
PENNYMAC LOAN SERVICES LLC11320.4%
United Wholesale Mortgage92722.9%
ROCKET MORTGAGE32228.3%
Lakeview Loan Servicing, LLC11656.9%

What to do with this

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 →
Source: CFPB HMDA 2025 (loan_type 2; decisioned = actions 1,2,3; denial = action 3), processed by FinanceRateCalc. Metro = HMDA derived MSA/MD; name per Census/OMB July 2023 delineation. Lender rows require ≥100 decisioned applications in this metro. Denial rates partly reflect applicant mix; historical observation, not advice; no individual outcome predicted. Free · no ads · no lender pays us · CC BY 4.0.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.