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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

I applied for a mortgage loan and my lender denied my application. What can I do?

Answer:

You should request an explanation from your lender as to why your application was denied. The lender is required to provide you this explanation in writing if you request it, and must to give you copies of the credit score upon which the denial was based.

Don’t be discouraged. Another lender may approve you for a loan. 

In addition, you may want to examine your credit by obtaining a credit report at no cost to you if you have not already done so to make sure there are no mistakes. You may also want to talk to a U.S. Department of Housing and Urban Development (HUD)-approved housing counselor who can help you evaluate your ability to pay for a mortgage loan.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.