"Length of employment"

By Ziya Y. · 23 Years Banking · FRC Denial Code Intelligence

⚠️ This is often a LENDER OVERLAY — meaning another lender may approve you today.

What This Code Means

Less than 2 years at current job. This is typically an overlay — agencies require 2-year employment history overall, not at current employer.

Your Action Plan

If your total employment history (including prior jobs in same field) is 2+ years, this is likely a lender overlay. Document continuous employment in same field.

FRC Tools for This Denial Code

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