Of 8,132 FHA applications reaching a credit decision in this metro in 2025, 2,027 were formally denied. Small applications (<$150K) were denied at 36.7% vs 19.1% for large ones ($250K+) — a 1.92× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 73.8-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 1,106 | 6.3% |
| FREEDOM MORTGAGE CORPORATION | 260 | 25.4% |
| United Wholesale Mortgage | 513 | 27.5% |
| ROCKET MORTGAGE | 1,007 | 30.0% |
| AMERISAVE MORTGAGE COMPANY | 246 | 80.1% |
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 →