 TITLE: Why Would a Mortgage Application Get Denied? CONTENT: What to Do If Your Mortgage Application Is Rejected\n---------------------------------------------------\nIf your mortgage application is denied, you'll receive a declination letter (also called an adverse action letter) from the lender. By law, you are entitled to a copy of your free credit report if your application is denied. The declination letter should provide instructions for getting a copy of your credit report from the credit reporting agency that was used in making the decision.\nLenders are required to tell you why your application was denied. If the declination letter doesn't specify a reason, contact the lender to ask. Most often, loans are declined because of poor credit, insufficient income or an excessive debt-to-income ratio. Reviewing your credit report will help you identify what the issues were in your case. END