Of 4,062 FHA applications reaching a credit decision in this metro in 2025, 875 were formally denied. Small applications (<$150K) were denied at 38.4% vs 15.3% for large ones ($250K+) — a 2.51× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 17.8-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 170 | 8.8% |
| GUARANTEED RATE, INC. | 150 | 11.3% |
| FREEDOM MORTGAGE CORPORATION | 195 | 19.5% |
| United Wholesale Mortgage | 231 | 22.1% |
| ROCKET MORTGAGE | 394 | 26.6% |
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 →