Of 5,956 FHA applications reaching a credit decision in this metro in 2025, 1,435 were formally denied. Small applications (<$150K) were denied at 38.9% vs 22.6% for large ones ($250K+) — a 1.72× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 20.2-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 313 | 7.7% |
| FREEDOM MORTGAGE CORPORATION | 261 | 20.7% |
| PENNYMAC LOAN SERVICES LLC | 321 | 21.2% |
| ROCKET MORTGAGE | 426 | 24.9% |
| United Wholesale Mortgage | 506 | 27.9% |
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 →