Of 4,414 FHA applications reaching a credit decision in this metro in 2025, 1,041 were formally denied. Small applications (<$150K) were denied at 36.7% vs 22.2% for large ones ($250K+) — a 1.65× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 29.6-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 115 | 7.8% |
| United Wholesale Mortgage | 544 | 22.1% |
| DHI Mortgage Company, LTD. | 382 | 25.4% |
| ROCKET MORTGAGE | 242 | 33.5% |
| Lennar Mortgage, LLC | 227 | 37.4% |
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 →