Of 3,412 FHA applications reaching a credit decision in this metro in 2025, 741 were formally denied. Small applications (<$150K) were denied at 27.5% vs 20.5% for large ones ($250K+) — a 1.34× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 23.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 130 | 3.8% |
| FREEDOM MORTGAGE CORPORATION | 121 | 13.2% |
| loanDepot.com LLC | 146 | 21.2% |
| United Wholesale Mortgage | 203 | 23.6% |
| ROCKET MORTGAGE | 366 | 26.8% |
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 →