Of 4,619 FHA applications reaching a credit decision in this metro in 2025, 1,326 were formally denied. Small applications (<$150K) were denied at 72.7% vs 25.0% for large ones ($250K+) — a 2.91× penalty.
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 64.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 239 | 5.4% |
| United Wholesale Mortgage | 956 | 24.9% |
| FREEDOM MORTGAGE CORPORATION | 203 | 26.6% |
| ROCKET MORTGAGE | 353 | 34.3% |
| Lakeview Loan Servicing, LLC | 170 | 69.4% |
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 319 metros → Printable one-pager →