Use the Loan Denial Analyzer
Analyze Your Loan Denial
Select the reason(s) you were denied, or your best guess:
How This Tool Works
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Select the reason(s) given for your denial (or your best guess)
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Common reasons include: low credit score, high DTI ratio, insufficient income, short credit history, recent bankruptcies
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The analyzer generates tailored recommendations for each factor
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View a timeline for when to re-apply based on your specific situation
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Get links to relevant guides and tools to help you improve
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Understanding Your Results
The analyzer ranks your denial factors by severity and provides a priority-ordered action plan. Focus on the highest-impact items first. For example, if your debt-to-income ratio is the primary concern, paying down existing debt will have the biggest impact on future approvals. Under ECOA, you can request the specific reasons for denial from the lender.
Responsible Borrowing Advice
A loan denial isn't the end of the road. Use it as an opportunity to strengthen your financial profile. Avoid applying to multiple lenders in quick succession, as each hard inquiry can lower your score. Under US law, you're entitled to free credit reports from all three bureaus at AnnualCreditReport.com—review yours for errors.