Of 7,516 FHA applications reaching a credit decision in this metro in 2025, 2,114 were formally denied. Small applications (<$150K) were denied at 59.2% vs 27.2% for large ones ($250K+) — a 2.18× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 63.4-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 351 | 7.4% |
| United Wholesale Mortgage | 913 | 24.5% |
| PENNYMAC LOAN SERVICES LLC | 370 | 29.2% |
| ROCKET MORTGAGE | 514 | 33.9% |
| NEWREZ LLC | 463 | 70.8% |
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 →