Of 17,896 FHA applications reaching a credit decision in this metro in 2025, 5,316 were formally denied. Small applications (<$150K) were denied at 48.1% vs 25.1% for large ones ($250K+) — a 1.92× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 26.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 694 | 8.9% |
| GUARANTEED RATE, INC. | 978 | 13.5% |
| loanDepot.com LLC | 1,192 | 25.0% |
| United Wholesale Mortgage | 1,785 | 26.0% |
| ROCKET MORTGAGE | 1,412 | 35.2% |
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 →