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Banks Won't Tell You
Why You Were Denied.
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Mortgage Rejection Database

The first and only public database of real mortgage rejection stories. See the real reasons, real patterns, and what actually worked. Completely anonymous. Built on 23 years of banking experience.

247
Stories Submitted
68%
Eventually Got Approved
#1
Rejection Reason: DTI
4.2mo
Avg Time to Fix & Reapply
🔴 DENIED · DTI 52% · Online Lender · Texas ✅ APPROVED AFTER · Paid down cards · Credit Union · Ohio 🔴 DENIED · Self-employed, 1 year · National Bank · California 🔴 DENIED · 2 late payments · FHA Lender · Florida ✅ APPROVED AFTER · Switched to FHA · Score 618 → 664 🔴 DENIED · Insufficient reserves · Portfolio Lender · New York ✅ APPROVED AFTER · Credit Union said yes when National Bank said no 🔴 DENIED · 8% down, score 611 · National Bank · Illinois 🔴 DENIED · DTI 52% · Online Lender · Texas ✅ APPROVED AFTER · Paid down cards · Credit Union · Ohio 🔴 DENIED · Self-employed, 1 year · National Bank · California 🔴 DENIED · 2 late payments · FHA Lender · Florida ✅ APPROVED AFTER · Switched to FHA · Score 618 → 664 🔴 DENIED · Insufficient reserves · Portfolio Lender · New York
Recent Stories
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📥 Free Guide
7 Steps to Lower profile match — Mortgage Rejection
Based on 247 real rejection stories. What actually works — from a 23-year banker.
  • ✓ The DTI threshold every lender uses
  • ✓ Why credit unions approve when banks deny
  • ✓ The reserve amount you actually need
  • ✓ How to fix your score in 60 days
  • ✓ Which lender type to try after denial
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🔴 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
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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 lower profile match — the same situation.
✅ Success Stories
DTI 52% → Approved in Texas → 638 Score → FHA Approved FL → Self-Employed → Approved CO → Late Payments → Approved GA → No Reserves → Approved WA →
📊 Monthly Research
FRC Affordability Index
April 2026 · Denial patterns · 50 markets
Read the Report →
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
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