Of 8,382 FHA applications reaching a credit decision in this metro in 2025, 1,782 were formally denied. Small applications (<$150K) were denied at 40.6% vs 18.7% for large ones ($250K+) — a 2.17× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 20.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 331 | 4.2% |
| FREEDOM MORTGAGE CORPORATION | 312 | 19.2% |
| United Wholesale Mortgage | 1,006 | 21.9% |
| PENNYMAC LOAN SERVICES LLC | 321 | 22.4% |
| ROCKET MORTGAGE | 607 | 24.2% |
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 →