Of 2,557 FHA applications reaching a credit decision in this metro in 2025, 554 were formally denied. Small applications (<$150K) were denied at 34.6% vs 17.7% for large ones ($250K+) — a 1.95× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 27.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 154 | 3.2% |
| United Wholesale Mortgage | 351 | 12.0% |
| M&T BANK | 241 | 15.8% |
| ROCKET MORTGAGE | 503 | 30.2% |
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 →