loan_type = 2), HECM excluded. Every figure carries a machine-readable claim passport with the source hash.
For each of 184 US metros: the spread between the most lenient and strictest high-volume FHA lender (≥100 decisioned applications in that metro), computed from the complete 2025 federal HMDA record. Every row links to a machine-readable claim passport with source hashes and usage boundaries. 135 further metros were skipped because no two lenders met the volume floor. Method note: earlier summaries phrased the Cleveland comparison as “the five highest-volume lenders”; the canonical definition is all lenders with ≥100 decisioned applications in the metro (Cleveland has exactly five such lenders). Canonical Cleveland figures: 6.4% vs 80.1%, gap 73.7 points. Until 26 July 2026 we published 6.3%/73.8; removing reverse mortgages from the universe that day moved it to 6.4%/73.7 (corrections log). Cleveland has the largest gap of the 184 metros we cover; whether it is the widest in the United States is not established by this data, and we withdrew that claim on 28 July 2026.
These are unadjusted observed rates. Gaps are consistent with lender overlays, channel mix, documentation practices and applicant-mix differences; they do not establish cause or misconduct, and they are not predictions for any individual application. National context: the Door Effect · persistence 2018–2025.
| Metro | Gap (pp) | Softest door | Hardest door | # lenders | Proof |
|---|---|---|---|---|---|
| Cleveland, OH | 73.7 | Crosscountry Mortgage · 6.4% | Amerisave Mortgage Company · 80.1% | 5 | receipt |
| Pittsburgh, PA | 72.7 | Movement Mortgage · 4.6% | Amerisave Mortgage Company · 77.3% | 5 | receipt |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 69.4 | Paramount Residential Mortgage · 5.2% | Lakeview Loan Servicing · 74.6% | 5 | receipt |
| West Palm Beach-Boca Raton-Delray Beach, FL | 64.0 | Crosscountry Mortgage · 5.4% | Lakeview Loan Servicing · 69.4% | 5 | receipt |
| New York-Jersey City-White Plains, NY-NJ | 63.4 | Crosscountry Mortgage · 7.4% | Newrez LLC · 70.8% | 5 | receipt |
| Denver-Aurora-Lakewood, CO | 61.3 | Guild Mortgage Company · 5.6% | American Financing Corporation · 66.9% | 4 | receipt |
| Detroit-Dearborn-Livonia, MI | 57.0 | United Wholesale Mortgage · 24.6% | Amerisave Mortgage Company · 81.6% | 5 | receipt |
| Nassau County-Suffolk County, NY | 56.1 | United Wholesale Mortgage · 13.8% | Newrez LLC · 69.9% | 3 | receipt |
| San Diego-Carlsbad, CA | 56.1 | Crosscountry Mortgage · 0.8% | Lakeview Loan Servicing · 56.9% | 5 | receipt |
| Miami-Miami Beach-Kendall, FL | 55.8 | Dhi Mortgage Company, Ltd. · 14.8% | Lakeview Loan Servicing · 70.6% | 5 | receipt |
| Atlanta-Sandy Springs-Roswell, GA | 55.2 | Freedom Mortgage Corporation · 21.5% | American Financing Corporation · 76.7% | 5 | receipt |
| Lansing-East Lansing, MI | 53.4 | Union Home Mortgage Corp. · 4.3% | Flagstar Bank Na · 57.7% | 4 | receipt |
| Orlando-Kissimmee-Sanford, FL | 53.1 | Dhi Mortgage Company, Ltd. · 16.5% | Lakeview Loan Servicing · 69.6% | 5 | receipt |
| Warren-Troy-Farmington Hills, MI | 48.9 | Union Home Mortgage Corp. · 5.4% | Lakeview Loan Servicing · 54.3% | 5 | receipt |
| Frederick-Gaithersburg-Rockville, MD | 47.4 | Freedom Mortgage Corporation · 18.6% | Newrez LLC · 66.0% | 4 | receipt |
| Greeley, CO | 46.6 | Dhi Mortgage Company, Ltd. · 15.6% | American Financing Corporation · 62.2% | 5 | receipt |
| Youngstown-Warren-Boardman, OH-PA | 39.4 | Ixonia Bank · 1.7% | Rocket Mortgage · 41.1% | 5 | receipt |
| Cape Coral-Fort Myers, FL | 37.5 | American Pacific Mortgage Corporat · 7.9% | Lennar Mortgage · 45.4% | 5 | receipt |
| Port St. Lucie, FL | 37.4 | Crosscountry Mortgage · 6.9% | Loandepot.Com LLC · 44.3% | 5 | receipt |
| Huntington-Ashland, WV-KY-OH | 35.8 | Movement Mortgage · 3.9% | Rocket Mortgage · 39.7% | 5 | receipt |
| Shreveport-Bossier City, LA | 35.8 | Movement Mortgage · 1.5% | Rocket Mortgage · 37.3% | 4 | receipt |
| Springfield, MO | 35.2 | Flat Branch Mortgage, Inc. · 0.5% | Rocket Mortgage · 35.7% | 5 | receipt |
| Tulsa, OK | 34.1 | Flat Branch Mortgage, Inc. · 1.7% | Rocket Mortgage · 35.8% | 2 | receipt |
| New Orleans-Metairie, LA | 33.6 | Movement Mortgage · 3.7% | Rocket Mortgage · 37.3% | 4 | receipt |
| Tucson, AZ | 33.4 | Crosscountry Mortgage · 4.7% | Rocket Mortgage · 38.1% | 4 | receipt |
| Birmingham-Hoover, AL | 33.2 | United Wholesale Mortgage · 16.6% | Loandepot.Com LLC · 49.8% | 5 | receipt |
| Sacramento--Roseville--Arden-Arcade, CA | 33.1 | United Wholesale Mortgage · 20.2% | Lakeview Loan Servicing · 53.3% | 5 | receipt |
| Reading, PA | 32.2 | Crosscountry Mortgage · 3.5% | Rocket Mortgage · 35.7% | 3 | receipt |
| Columbus, OH | 30.7 | Crosscountry Mortgage · 3.4% | Rocket Mortgage · 34.1% | 5 | receipt |
| Little Rock-North Little Rock-Conway, AR | 30.5 | Flat Branch Mortgage, Inc. · 0.6% | Rocket Mortgage · 31.1% | 3 | receipt |
| Philadelphia, PA | 30.5 | Crosscountry Mortgage · 6.5% | Rocket Mortgage · 37.0% | 5 | receipt |
| Jackson, MS | 30.1 | Guild Mortgage Company · 5.6% | Rocket Mortgage · 35.7% | 2 | receipt |
| Oakland-Hayward-Berkeley, CA | 30.1 | United Wholesale Mortgage · 27.5% | Lakeview Loan Servicing · 57.6% | 3 | receipt |
| Peoria, IL | 30.0 | Flat Branch Mortgage, Inc. · 2.2% | Rocket Mortgage · 32.2% | 3 | receipt |
| Indianapolis-Carmel-Anderson, IN | 29.9 | Vanderbilt Mortgage And Finance, I · 4.0% | Lennar Mortgage · 33.9% | 5 | receipt |
| Canton-Massillon, OH | 28.6 | Crosscountry Mortgage · 4.3% | Rocket Mortgage · 32.9% | 3 | receipt |
| Charlotte-Concord-Gastonia, NC-SC | 28.5 | Movement Mortgage · 3.4% | Loandepot.Com LLC · 31.9% | 5 | receipt |
| Los Angeles-Long Beach-Glendale, CA | 28.3 | Ocmbc, Inc. · 3.3% | Rocket Mortgage · 31.6% | 5 | receipt |
| Riverside-San Bernardino-Ontario, CA | 28.1 | Ocmbc, Inc. · 3.1% | Rocket Mortgage · 31.2% | 5 | receipt |
| Stockton-Lodi, CA | 27.5 | United Wholesale Mortgage · 20.2% | Lakeview Loan Servicing · 47.7% | 4 | receipt |
| Monroe, MI | 27.3 | American Financial Network, Inc. · 3.3% | Rocket Mortgage · 30.6% | 2 | receipt |
| Winston-Salem, NC | 27.3 | Atlantic Bay Mortgage Group · 0.4% | United Wholesale Mortgage · 27.7% | 5 | receipt |
| Buffalo-Cheektowaga-Niagara Falls, NY | 27.0 | Crosscountry Mortgage · 3.2% | Rocket Mortgage · 30.2% | 4 | receipt |
| Ocala, FL | 26.9 | Union Home Mortgage Corp. · 10.5% | Lennar Mortgage · 37.4% | 5 | receipt |
| Greensboro-High Point, NC | 26.8 | Atlantic Bay Mortgage Group · 2.2% | Rocket Mortgage · 29.0% | 5 | receipt |
| Seattle-Bellevue-Everett, WA | 26.6 | Movement Mortgage · 6.4% | Rocket Mortgage · 33.0% | 3 | receipt |
| Albuquerque, NM | 26.5 | Guild Mortgage Company · 6.0% | Rocket Mortgage · 32.5% | 4 | receipt |
| Modesto, CA | 26.5 | Crosscountry Mortgage · 0.0% | Rocket Mortgage · 26.5% | 3 | receipt |
| Ogden-Clearfield, UT | 26.5 | Guild Mortgage Company · 2.3% | Rocket Mortgage · 28.8% | 4 | receipt |
| Montgomery, AL | 26.4 | Crosscountry Mortgage · 2.7% | Rocket Mortgage · 29.1% | 4 | receipt |
| Warner Robins, GA | 26.4 | Guild Mortgage Company · 4.7% | Rocket Mortgage · 31.1% | 3 | receipt |
| Chicago-Naperville-Evanston, IL | 26.2 | Crosscountry Mortgage · 9.0% | Rocket Mortgage · 35.2% | 5 | receipt |
| Providence-Warwick, RI-MA | 25.7 | Movement Mortgage · 2.8% | Rocket Mortgage · 28.5% | 5 | receipt |
| Salt Lake City, UT | 25.5 | Securitynational Mortgage Company · 8.5% | Rocket Mortgage · 34.0% | 4 | receipt |
| Chattanooga, TN-GA | 25.2 | Cmg Mortgage Inc · 5.0% | Rocket Mortgage · 30.2% | 5 | receipt |
| Columbia, SC | 25.1 | Vanderbilt Mortgage And Finance, I · 1.9% | Rocket Mortgage · 27.0% | 5 | receipt |
| Naples-Immokalee-Marco Island, FL | 24.9 | Crosscountry Mortgage · 5.0% | United Wholesale Mortgage · 29.9% | 3 | receipt |
| Toledo, OH | 24.9 | Union Home Mortgage Corp. · 5.8% | United Wholesale Mortgage · 30.7% | 4 | receipt |
| Akron, OH | 24.3 | Crosscountry Mortgage · 2.8% | United Wholesale Mortgage · 27.1% | 3 | receipt |
| Omaha-Council Bluffs, NE-IA | 24.0 | Cmg Mortgage Inc · 9.1% | Rocket Mortgage · 33.1% | 4 | receipt |
| Tuscaloosa, AL | 23.9 | Movement Mortgage · 1.8% | Dhi Mortgage Company, Ltd. · 25.7% | 2 | receipt |
| Camden, NJ | 23.7 | Crosscountry Mortgage · 4.9% | Pennymac Loan Services LLC · 28.6% | 5 | receipt |
| Kingsport-Bristol-Bristol, TN-VA | 23.7 | Movement Mortgage · 5.5% | Rocket Mortgage · 29.2% | 3 | receipt |
| Portland-South Portland, ME | 23.6 | Cmg Mortgage Inc · 11.9% | Rocket Mortgage · 35.5% | 3 | receipt |
| Scranton--Wilkes-Barre--Hazleton, PA | 23.5 | Guild Mortgage Company · 5.0% | United Wholesale Mortgage · 28.5% | 4 | receipt |
| Arlington-Alexandria-Reston, VA-WV | 23.4 | Freedom Mortgage Corporation · 13.4% | Nvr Mortgage Finance, Inc. · 36.8% | 4 | receipt |
| Tacoma-Lakewood, WA | 23.3 | Movement Mortgage · 3.4% | Rocket Mortgage · 26.7% | 5 | receipt |
| Springfield, MA | 23.2 | Cmg Mortgage Inc · 7.5% | Rocket Mortgage · 30.7% | 3 | receipt |
| Wichita, KS | 23.2 | Guild Mortgage Company · 4.9% | Rocket Mortgage · 28.1% | 5 | receipt |
| Austin-Round Rock, TX | 23.0 | Cmg Mortgage Inc · 3.4% | Lennar Mortgage · 26.4% | 5 | receipt |
| Dayton-Kettering, OH | 23.0 | Crosscountry Mortgage · 3.8% | Rocket Mortgage · 26.8% | 5 | receipt |
| Hagerstown-Martinsburg, MD-WV | 23.0 | Crosscountry Mortgage · 7.1% | Rocket Mortgage · 30.1% | 4 | receipt |
| Hickory-Lenoir-Morganton, NC | 23.0 | Atlantic Bay Mortgage Group · 1.3% | Rocket Mortgage · 24.3% | 5 | receipt |
| Cambridge-Newton-Framingham, MA | 22.6 | Crosscountry Mortgage · 6.9% | United Wholesale Mortgage · 29.5% | 5 | receipt |
| Fayetteville-Springdale-Rogers, AR-MO | 22.5 | Flat Branch Mortgage, Inc. · 0.6% | Rocket Mortgage · 23.1% | 3 | receipt |
| Fort Wayne, IN | 22.5 | Ruoff Mortgage Company · 9.8% | Rocket Mortgage · 32.3% | 3 | receipt |
| Richmond, VA | 22.4 | Freedom Mortgage Corporation · 14.6% | Nvr Mortgage Finance, Inc. · 37.0% | 5 | receipt |
| Tampa, FL | 22.4 | Click N' Close, Inc. · 6.1% | Rocket Mortgage · 28.5% | 5 | receipt |
| York-Hanover, PA | 22.3 | Crosscountry Mortgage · 8.5% | United Wholesale Mortgage · 30.8% | 3 | receipt |
| Newark, NJ-PA | 22.2 | Crosscountry Mortgage · 8.8% | Pennymac Loan Services LLC · 31.0% | 5 | receipt |
| North Port-Sarasota-Bradenton, FL | 22.2 | Dhi Mortgage Company, Ltd. · 19.2% | Taylor Morrison Home Funding, Inc. · 41.4% | 5 | receipt |
| Portland-Vancouver-Hillsboro, OR-WA | 22.2 | Cmg Mortgage Inc · 4.5% | Rocket Mortgage · 26.7% | 5 | receipt |
| Roanoke, VA | 22.0 | Atlantic Bay Mortgage Group · 0.6% | Rocket Mortgage · 22.6% | 2 | receipt |
| Boston, MA | 21.5 | Crosscountry Mortgage · 8.5% | Rocket Mortgage · 30.0% | 5 | receipt |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 21.4 | Cmg Mortgage Inc · 3.1% | Rocket Mortgage · 24.5% | 5 | receipt |
| Gulfport-Biloxi-Pascagoula, MS | 21.3 | Cmg Mortgage Inc · 7.4% | Rocket Mortgage · 28.7% | 4 | receipt |
| Kennewick-Richland, WA | 21.3 | Cmg Mortgage Inc · 0.6% | United Wholesale Mortgage · 21.9% | 3 | receipt |
| Tallahassee, FL | 21.3 | Movement Mortgage · 3.7% | Dhi Mortgage Company, Ltd. · 25.0% | 4 | receipt |
| Bakersfield, CA | 21.2 | Lennar Mortgage · 12.1% | Rocket Mortgage · 33.3% | 5 | receipt |
| Las Vegas-Henderson-Paradise, NV | 21.1 | Guild Mortgage Company · 4.9% | Rocket Mortgage · 26.0% | 5 | receipt |
| Kansas City, MO-KS | 20.8 | Fairway Independent Mort Corp · 6.5% | Rocket Mortgage · 27.3% | 5 | receipt |
| Milwaukee-Waukesha-West Allis, WI | 20.7 | Fairway Independent Mort Corp · 10.9% | Rocket Mortgage · 31.6% | 5 | receipt |
| Allentown-Bethlehem-Easton, PA-NJ | 20.4 | Crosscountry Mortgage · 5.9% | United Wholesale Mortgage · 26.3% | 5 | receipt |
| Lakewood-New Brunswick, NJ | 20.4 | Crosscountry Mortgage · 7.5% | United Wholesale Mortgage · 27.9% | 5 | receipt |
| Montgomery County-Bucks County-Chester County, PA | 20.3 | Crosscountry Mortgage · 6.8% | Rocket Mortgage · 27.1% | 5 | receipt |
| Terre Haute, IN | 20.2 | Ruoff Mortgage Company · 9.4% | Rocket Mortgage · 29.6% | 2 | receipt |
| Minneapolis-St. Paul-Bloomington, MN-WI | 20.1 | Crosscountry Mortgage · 4.1% | Rocket Mortgage · 24.2% | 5 | receipt |
| Huntsville, AL | 20.0 | Dhi Mortgage Company, Ltd. · 11.1% | Rocket Mortgage · 31.1% | 5 | receipt |
| Punta Gorda, FL | 20.0 | United Wholesale Mortgage · 23.3% | Lennar Mortgage · 43.3% | 2 | receipt |
| St. Louis, MO-IL | 19.9 | Guild Mortgage Company · 7.3% | Rocket Mortgage · 27.2% | 5 | receipt |
| Virginia Beach-Norfolk-Newport News, VA-NC | 19.8 | Atlantic Bay Mortgage Group · 5.1% | Rocket Mortgage · 24.9% | 5 | receipt |
| Lake Havasu City-Kingman, AZ | 19.7 | New American Funding. · 9.5% | Rocket Mortgage · 29.2% | 3 | receipt |
| Spokane-Spokane Valley, WA | 19.6 | Canopy Mortgage · 0.9% | Rocket Mortgage · 20.5% | 3 | receipt |
| Worcester, MA-CT | 19.5 | Guild Mortgage Company · 8.1% | Rocket Mortgage · 27.6% | 5 | receipt |
| Albany-Schenectady-Troy, NY | 19.4 | United Wholesale Mortgage · 13.7% | Rocket Mortgage · 33.1% | 2 | receipt |
| Cincinnati, OH-KY-IN | 19.3 | Crosscountry Mortgage · 6.5% | Rocket Mortgage · 25.8% | 5 | receipt |
| Pensacola-Ferry Pass-Brent, FL | 19.3 | Lennar Mortgage · 11.8% | Rocket Mortgage · 31.1% | 4 | receipt |
| Lafayette, LA | 18.7 | United Wholesale Mortgage · 17.0% | Dhi Mortgage Company, Ltd. · 35.7% | 3 | receipt |
| Augusta-Richmond County, GA-SC | 18.3 | Guild Mortgage Company · 9.0% | Rocket Mortgage · 27.3% | 5 | receipt |
| Wilmington, NC | 18.2 | Freedom Mortgage Corporation · 11.6% | United Wholesale Mortgage · 29.8% | 4 | receipt |
| Baton Rouge, LA | 17.9 | United Wholesale Mortgage · 17.3% | Rocket Mortgage · 35.2% | 3 | receipt |
| Gainesville, GA | 17.9 | United Wholesale Mortgage · 17.6% | Loandepot.Com LLC · 35.5% | 2 | receipt |
| Lake County-Porter County-Jasper County, IN | 17.8 | Crosscountry Mortgage · 8.8% | Rocket Mortgage · 26.6% | 5 | receipt |
| Savannah, GA | 17.8 | New American Funding. · 15.9% | Dhi Mortgage Company, Ltd. · 33.7% | 4 | receipt |
| Lexington-Fayette, KY | 17.7 | Ark-La-Tex Financial Services LLC · 6.0% | Rocket Mortgage · 23.7% | 4 | receipt |
| Washington, DC-MD | 17.3 | Freedom Mortgage Corporation · 15.3% | United Wholesale Mortgage · 32.6% | 5 | receipt |
| South Bend-Mishawaka, IN-MI | 17.2 | Ruoff Mortgage Company · 7.7% | Rocket Mortgage · 24.9% | 2 | receipt |
| Colorado Springs, CO | 16.7 | Guild Mortgage Company · 4.7% | Rocket Mortgage · 21.4% | 3 | receipt |
| Des Moines-West Des Moines, IA | 16.6 | New American Funding. · 13.1% | United Wholesale Mortgage · 29.7% | 4 | receipt |
| Oklahoma City, OK | 16.0 | United Wholesale Mortgage · 23.8% | Rocket Mortgage · 39.8% | 2 | receipt |
| Memphis, TN-MS-AR | 15.8 | Freedom Mortgage Corporation · 18.7% | Rocket Mortgage · 34.5% | 4 | receipt |
| Lubbock, TX | 15.5 | T2 Financial LLC · 2.0% | Dhi Mortgage Company, Ltd. · 17.5% | 3 | receipt |
| Jacksonville, FL | 15.3 | Lennar Mortgage · 16.5% | Rocket Mortgage · 31.8% | 4 | receipt |
| Reno, NV | 15.2 | Guild Mortgage Company · 3.0% | United Wholesale Mortgage · 18.2% | 5 | receipt |
| Raleigh, NC | 15.1 | Freedom Mortgage Corporation · 14.0% | Loandepot.Com LLC · 29.1% | 5 | receipt |
| Harrisburg-Carlisle, PA | 14.8 | Pennymac Loan Services LLC · 11.5% | Rocket Mortgage · 26.3% | 3 | receipt |
| Salem, OR | 14.8 | Guild Mortgage Company · 5.2% | Rocket Mortgage · 20.0% | 3 | receipt |
| Elgin, IL | 14.6 | Guild Mortgage Company · 10.9% | Dhi Mortgage Company, Ltd. · 25.5% | 5 | receipt |
| Provo-Orem, UT | 14.4 | First Colony Mortgage Corporat · 2.6% | Dhi Mortgage Company, Ltd. · 17.0% | 4 | receipt |
| Odessa, TX | 14.3 | Cardinal Financial Company, Li · 1.8% | Dhi Mortgage Company, Ltd. · 16.1% | 3 | receipt |
| Flint, MI | 14.2 | United Wholesale Mortgage · 15.7% | Rocket Mortgage · 29.9% | 2 | receipt |
| Phoenix-Mesa-Scottsdale, AZ | 14.1 | Lennar Mortgage · 13.6% | Rocket Mortgage · 27.7% | 5 | receipt |
| Yuma, AZ | 14.1 | Crosscountry Mortgage · 3.5% | Rocket Mortgage · 17.6% | 3 | receipt |
| Fresno, CA | 13.7 | Lennar Mortgage · 14.2% | Rocket Mortgage · 27.9% | 4 | receipt |
| Lakeland-Winter Haven, FL | 13.6 | United Wholesale Mortgage · 21.7% | Loandepot.Com LLC · 35.3% | 5 | receipt |
| Boise City, ID | 13.4 | Premier Mortgage Resources · 2.8% | Rocket Mortgage · 16.2% | 5 | receipt |
| Deltona-Daytona Beach-Ormond Beach, FL | 13.0 | Dhi Mortgage Company, Ltd. · 17.1% | Lennar Mortgage · 30.1% | 5 | receipt |
| Visalia-Porterville, CA | 13.0 | Dhi Mortgage Company, Ltd. · 4.9% | United Wholesale Mortgage · 17.9% | 3 | receipt |
| Corpus Christi, TX | 12.6 | Dhi Mortgage Company, Ltd. · 13.6% | Lennar Mortgage · 26.2% | 3 | receipt |
| Everett, WA | 12.5 | United Wholesale Mortgage · 23.7% | Rocket Mortgage · 36.2% | 2 | receipt |
| Louisville/Jefferson County, KY-IN | 12.5 | Freedom Mortgage Corporation · 14.3% | Rocket Mortgage · 26.8% | 4 | receipt |
| Midland, TX | 12.5 | Highlands Residential Mortgage, Lt · 1.3% | Dhi Mortgage Company, Ltd. · 13.8% | 3 | receipt |
| Las Cruces, NM | 12.2 | United Wholesale Mortgage · 15.5% | Rocket Mortgage · 27.7% | 2 | receipt |
| Spartanburg, SC | 11.9 | United Wholesale Mortgage · 21.2% | Nvr Mortgage Finance, Inc. · 33.1% | 5 | receipt |
| Davenport-Moline-Rock Island, IA-IL | 11.7 | New American Funding. · 15.8% | Rocket Mortgage · 27.5% | 2 | receipt |
| Bridgeport-Stamford-Norwalk, CT | 11.4 | Rocket Mortgage · 25.7% | United Wholesale Mortgage · 37.1% | 2 | receipt |
| Dallas-Plano-Irving, TX | 11.3 | Dhi Mortgage Company, Ltd. · 16.6% | Loandepot.Com LLC · 27.9% | 5 | receipt |
| Knoxville, TN | 11.3 | Dhi Mortgage Company, Ltd. · 12.3% | Rocket Mortgage · 23.6% | 4 | receipt |
| Hartford-West Hartford-East Hartford, CT | 11.2 | Freedom Mortgage Corporation · 17.9% | Rocket Mortgage · 29.1% | 3 | receipt |
| Longview, TX | 11.2 | Guild Mortgage Company · 3.6% | United Wholesale Mortgage · 14.8% | 2 | receipt |
| New Haven-Milford, CT | 11.0 | United Wholesale Mortgage · 19.8% | Rocket Mortgage · 30.8% | 2 | receipt |
| Baltimore-Columbia-Towson, MD | 10.9 | Freedom Mortgage Corporation · 19.2% | Rocket Mortgage · 30.1% | 4 | receipt |
| McAllen-Edinburg-Mission, TX | 10.9 | Crosscountry Mortgage · 3.7% | United Wholesale Mortgage · 14.6% | 4 | receipt |
| Lynchburg, VA | 10.7 | United Wholesale Mortgage · 12.7% | Rocket Mortgage · 23.4% | 2 | receipt |
| Greenville-Anderson-Mauldin, SC | 10.2 | Dhi Mortgage Company, Ltd. · 19.8% | Loandepot.Com LLC · 30.0% | 5 | receipt |
| Anaheim-Santa Ana-Irvine, CA | 10.0 | United Wholesale Mortgage · 23.2% | Rocket Mortgage · 33.2% | 2 | receipt |
| San Antonio-New Braunfels, TX | 9.8 | Kbhs Home Loans · 11.9% | Lennar Mortgage · 21.7% | 4 | receipt |
| Charleston-North Charleston, SC | 9.7 | Freedom Mortgage Corporation · 17.3% | Rocket Mortgage · 27.0% | 5 | receipt |
| Columbus, GA-AL | 9.7 | United Wholesale Mortgage · 17.6% | Rocket Mortgage · 27.3% | 2 | receipt |
| Marietta, GA | 9.7 | United Wholesale Mortgage · 18.0% | Loandepot.Com LLC · 27.7% | 5 | receipt |
| Palm Bay-Melbourne-Titusville, FL | 9.7 | Freedom Mortgage Corporation · 20.4% | Rocket Mortgage · 30.1% | 4 | receipt |
| Gainesville, FL | 9.6 | Dhi Mortgage Company, Ltd. · 13.0% | United Wholesale Mortgage · 22.6% | 2 | receipt |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9.5 | Loandepot.Com LLC · 22.4% | Dhi Mortgage Company, Ltd. · 31.9% | 5 | receipt |
| Mobile, AL | 9.2 | Dhi Mortgage Company, Ltd. · 24.7% | Rocket Mortgage · 33.9% | 3 | receipt |
| Grand Rapids-Wyoming, MI | 9.1 | United Wholesale Mortgage · 19.8% | Rocket Mortgage · 28.9% | 3 | receipt |
| Houston-The Woodlands-Sugar Land, TX | 9.0 | Loandepot.Com LLC · 16.5% | Rocket Mortgage · 25.5% | 5 | receipt |
| Killeen-Temple, TX | 8.8 | Fairway Independent Mort Corp · 5.9% | Dhi Mortgage Company, Ltd. · 14.7% | 2 | receipt |
| Beaumont-Port Arthur, TX | 8.5 | Guild Mortgage Company · 1.4% | United Wholesale Mortgage · 9.9% | 2 | receipt |
| Homosassa Springs, FL | 8.2 | United Wholesale Mortgage · 22.9% | Rocket Mortgage · 31.1% | 2 | receipt |
| Vallejo-Fairfield, CA | 7.7 | United Wholesale Mortgage · 19.4% | Rocket Mortgage · 27.1% | 2 | receipt |
| Crestview-Fort Walton Beach-Destin, FL | 7.3 | United Wholesale Mortgage · 23.5% | Dhi Mortgage Company, Ltd. · 30.8% | 2 | receipt |
| Wilmington, DE-MD-NJ | 7.3 | Freedom Mortgage Corporation · 21.6% | United Wholesale Mortgage · 28.9% | 3 | receipt |
| Laredo, TX | 6.9 | Primelending · 6.5% | United Wholesale Mortgage · 13.4% | 3 | receipt |
| El Paso, TX | 6.7 | Cmg Mortgage Inc · 4.9% | United Wholesale Mortgage · 11.6% | 2 | receipt |
| St. Petersburg-Clearwater-Largo, FL | 5.2 | United Wholesale Mortgage · 19.5% | Rocket Mortgage · 24.7% | 2 | receipt |
| Fayetteville, NC | 4.8 | United Wholesale Mortgage · 20.1% | Rocket Mortgage · 24.9% | 2 | receipt |
| Waterbury-Shelton, CT | 4.7 | Freedom Mortgage Corporation · 22.1% | Rocket Mortgage · 26.8% | 3 | receipt |
| Daphne-Fairhope-Foley, AL | 4.6 | Rocket Mortgage · 26.4% | Dhi Mortgage Company, Ltd. · 31.0% | 3 | receipt |
| Durham-Chapel Hill, NC | 4.5 | United Wholesale Mortgage · 25.9% | Rocket Mortgage · 30.4% | 2 | receipt |
| Fort Worth-Arlington, TX | 4.0 | United Wholesale Mortgage · 19.9% | Dhi Mortgage Company, Ltd. · 23.9% | 4 | receipt |
| Lake County-Kenosha County, IL-WI | 1.9 | United Wholesale Mortgage · 29.3% | Rocket Mortgage · 31.2% | 2 | receipt |
| Rockingham County-Strafford County, NH | 1.7 | Rocket Mortgage · 24.0% | United Wholesale Mortgage · 25.7% | 2 | receipt |
| Panama City, FL | 1.5 | Dhi Mortgage Company, Ltd. · 23.2% | United Wholesale Mortgage · 24.7% | 2 | receipt |
| Clarksville, TN-KY | 0.3 | United Wholesale Mortgage · 25.3% | Rocket Mortgage · 25.6% | 2 | receipt |
Data: CFPB HMDA 2025 public record · CC BY 4.0 · agent access: llms.txt · MCP tool: get_metro_lender_gap