We turn DECLINED loans into APPROVED dreams!

  • Important note for LendingHospital.com visitors: The information available on this website is intended exclusively for real estate agents. If you are a consumer in need of lending assistance, we recommend that you contact The A-Z Lending Team, our highlighted lending professionals for 2024. You can find their website at USA-Mortgage.com

Let us help your clients

This site is run by a team committed to linking you with seasoned lending experts from across the industry who work together to analyze complex scenarios and create practical remedies for declined loans. The primary goal is to share their expertise with real estate agents, providing them with a seamless approach to resolving lending issues and enabling consumers to achieve their dream of owning a home.

We understand that declined loans can be frustrating and stressful for both real estate agents and their clients alike, but we are here to help ease the burden. Our streamlined approach to resolving lending issues ensures that agents can focus on what they do best – finding their clients their dream home.

We would be honored to work with you and your clients to find solutions to any lending challenges they may be facing. Please choose one of the options below to contact our intake team and allow us to gather more information about how we can assist your clients in achieving their homeownership objectives.

Working together, we can help your clients and business succeed!

Purchase Contract CPR

My client received a last-minute loan denial and I need immediate assistance.

Pre-Approval 2nd Opinion

My client needs a second opinion after being told by their lender that they are ineligible for a home loan during the Pre-Approval stage.

Client Wellness Check

My clients have been out of the market and I would like them to be part of the home buying process again.

Real Estate Trauma Team

I'm feeling quite frustrated with my business these days. Things have taken a downturn, and I can't shake the feeling that I'm stuck in a rut. I need help.

E-Mail us directly at [email protected]

Why was my client declined?

Real estate agents who work with purchase clients should be aware that borrowers are commonly declined for mortgages due to various factors such as credit, employment, debt to income ratios, issues with the property, and income. However, it’s important to understand that the actual reasons behind a loan being declined are often different.

  • Incompetent loan officers or lending institutions who may not have the expertise or knowledge needed to properly evaluate a borrower’s situation.
  • A lack of communication between the lender and borrower, resulting in a limited understanding of the borrower’s circumstances and challenges.
  • An inability to properly read and interpret loan guidelines and requirements.
  • Failure to effectively communicate a customer’s situation to an underwriter, resulting in an incomplete or inaccurate assessment of their ability to obtain a loan.
  • Loans may be declined when real estate agents have close relationships with lenders (they are close friends, family, and etc). While trust is important in any business relationship, it can sometimes cloud judgment and lead to poor decision-making. In such cases, the consequences can be especially unfortunate for individuals seeking to purchase a home. It is crucial to maintain objectivity and carefully consider all options to ensure the best outcome for clients.
  • Lenders often implement overlays, which are additional rules created to protect their interests. It’s crucial to recognize that just like various illnesses require different treatment approaches, lending also varies based on individual circumstances. Thus, a “one size fits all” approach to lending is not applicable.

As a real estate agent, it’s important to be aware of these underlying factors and work closely with your clients to ensure they are working with qualified and competent lenders who can effectively navigate the loan application process. Encourage open communication and transparency throughout the process to increase the chances of success.

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Dallas-Fort Worth metroplex decline statistics

In 2022, the impact of declined loans has been significant for real estate agents, and it’s unfortunate that many consumers are finding themselves in a situation where they’re ready to purchase a home, only to be told they don’t qualify for a loan. Here are some important statistics to keep in mind:

  • In 2021, there were 23.3 million home loan applications nationwide.
  • Of those, 8.3 million applications were declined, representing a significant percentage of potential homebuyers who were unable to secure a mortgage.
  • In the state of Texas alone, an estimated 800,000+ home loan applications were declined, representing a significant portion of the market.
  • In the DFW metroplex specifically, an estimated 72,000+ home loan applications were declined in 2021, further highlighting the impact of declined loans on the local real estate market.
  • It’s important to note that statistics for 2022 have not yet been released by the Consumer Financial Protection Bureau, but it’s estimated that over 85,000 home loan applications were declined in the DFW area alone.

As a real estate agent, it’s crucial to stay informed about trends in the local housing market and to work closely with your clients to ensure they are able to secure the financing they need to purchase a home. Encourage your clients to work with qualified and competent lenders who can effectively navigate the loan application process and increase the chances of success.

At Lending Hospital, we turn DECLINED loans into APPROVED dreams!