A refinance loan denial can feel like a dead end when you were counting on lower monthly payments or access to your home's equity. About 7% of refinance applications were recently rejected according to industry data, though the rate spiked to nearly 46% in late 2025 as lenders tightened standards. The reasons behind most denials fall into a handful of categories that you can address before reapplying. This guide walks you through every major factor lenders evaluate, explains what triggers a rejection, and lays out the steps you can take to turn a "no" into an approval. Planted Local Lending helps homeowners across Kansas, Missouri, and Michigan navigate these hurdles every day.
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