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. An early dataset card carried 6.3%/73.8; it is superseded by the receipt layer.
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