Of 3,511 FHA applications reaching a credit decision in this metro in 2025, 827 were formally denied. Small applications (<$150K) were denied at 50.7% vs 20.0% for large ones ($250K+) — a 2.54× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 20.3-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 192 | 6.8% |
| PENNYMAC LOAN SERVICES LLC | 189 | 21.2% |
| United Wholesale Mortgage | 248 | 23.4% |
| FREEDOM MORTGAGE CORPORATION | 156 | 26.3% |
| ROCKET MORTGAGE | 377 | 27.1% |
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 → Printable one-pager →