Of 9,568 FHA applications reaching a credit decision in this metro in 2025, 2,016 were formally denied. Small applications (<$150K) were denied at 35.4% vs 16.5% for large ones ($250K+) — a 2.15× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 19.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 418 | 6.5% |
| UNION HOME MORTGAGE CORP. | 348 | 7.2% |
| FREEDOM MORTGAGE CORPORATION | 428 | 15.4% |
| United Wholesale Mortgage | 859 | 20.5% |
| ROCKET MORTGAGE | 859 | 25.8% |
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 →