FRC Intelligence · 2025 federal record

Modesto, CA: 20.1% of FHA applications were denied in 2025.

Of 2,218 FHA applications reaching a credit decision in this metro in 2025, 445 were formally denied.

The doors of Modesto, CA

The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 26.5-point spread inside one metro:

Lender	Decisioned apps (this metro)	Denial rate
CROSSCOUNTRY MORTGAGE, LLC	102	0.0%
United Wholesale Mortgage	406	20.4%
ROCKET MORTGAGE	155	26.5%

What to do with this

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 →

Source: CFPB HMDA 2025 (loan_type 2; decisioned = actions 1,2,3; denial = action 3), processed by FinanceRateCalc. Metro = HMDA derived MSA/MD; name per Census/OMB July 2023 delineation. Lender rows require ≥100 decisioned applications in this metro. Denial rates partly reflect applicant mix; historical observation, not advice; no individual outcome predicted. Free · no ads · no lender pays us · CC BY 4.0.