Published October 16, 2026 · Grants & Co Consultants
A denial is a reason to get specific about the file. Start with the lender’s written explanation instead of assuming the problem is only your score.
Read the reasons and ask questions
The CFPB recommends requesting an explanation and reviewing the credit information used in the decision. Ask the lender which issues drove the result and which documents or changes would be needed for reconsideration or a future application.
- Was the issue credit history or score?
- Was qualifying income insufficient or difficult to document?
- Were monthly obligations too high for the proposed payment?
- Were assets, property details, or other conditions involved?
Create a focused plan
Keep the notice, your credit reports, and the lender’s answers together. Separate factual reporting errors from genuine underwriting requirements. Then identify the next useful action and when the lender is willing to review the file again.
Another lender may have different options, but repeated applications alone do not resolve the underlying issue. You can also consult a HUD-approved housing counselor. A free credit review with Grants & Co Consultants can help organize the credit questions before your next lender conversation.
Sources and next steps
General education. Requirements and availability can change. Your lender determines eligibility and approval.
