Recent Stories
Showing latest 8
Share Your Story
Anonymous · Takes 2 minutes · Helps thousands
🔴 I was denied
🔴 I was denied
🟡 Conditionally approved
✅ Denied then later approved
Large National Bank
Large National Bank
Credit Union
Online / Non-Bank Lender
FHA-Approved Lender
Portfolio / Niche Lender
Not sure
Select your state
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
DTI too high
DTI too high
Credit score too low
Insufficient down payment
Employment gap / self-employed
Late payments on record
Insufficient reserves
Property issues (appraisal, type)
Too much existing debt
Income not verifiable
Other / Unknown
🔒 No name, email, or personal data collected
✅ Thank you! Your story has been added. It helps others avoid the same situation.
Top Rejection Reasons
1
DTI too high
34% of denials
2
Credit score too low
28% of denials
3
Employment / income issues
18% of denials
4
Insufficient down payment
12% of denials
5
Late payments / derogatory marks
8% of denials
Lender Type Denial Rates
Based on submitted stories
Large National Bank
72%
Online / Non-Bank
58%
FHA Lender
41%
Portfolio / Niche
35%
Credit Union
28%
By The Numbers
Avg denied credit score
641
Avg approved credit score
714
Got approved elsewhere
68%
Fixed issue & reapplied
41%
Most denied state
California
Worried about your application?
See how lenders would actually score you — before you apply.
Run My Application →