Of 8,565 FHA applications reaching a credit decision in this metro in 2025, 1,885 were formally denied. Small applications (<$150K) were denied at 38.6% vs 18.7% for large ones ($250K+) — a 2.06× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 30.7-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 447 | 3.4% |
| FREEDOM MORTGAGE CORPORATION | 392 | 16.6% |
| DHI Mortgage Company, LTD. | 504 | 21.0% |
| United Wholesale Mortgage | 647 | 26.7% |
| ROCKET MORTGAGE | 709 | 34.1% |
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 →