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Identify the exact statement that is wrong, gather records showing the correct information, and contact the lender or loan officer promptly. Ask how the application can be corrected, provide the supporting documents, and keep dated copies of everything you send and receive. If the mistake came from a credit report, dispute it with both the credit-reporting company and the company that supplied the data while telling the lender the item is under dispute.
Start by isolating the suspected error
Do not begin with a general accusation that the application is wrong. Locate the precise field, statement or document and write down what you believe should appear instead. Mortgage applications commonly contain information about income, debts, employment, occupancy, the property, identity and the source of funds. A single incorrect digit, outdated account balance or wrong address can affect underwriting, so specificity helps the lender investigate the right record.
Create an evidence file
Save the version of the application, disclosures and supporting records that you already have. Add a short note containing:
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- The correct information, including dates or amounts when relevant.
- How you know it is correct, such as a pay statement, tax record, bank statement, employment letter, court record or identity document.
- When you first noticed the discrepancy and who prepared or supplied the disputed information, if you know.
Keep the originals and send copies unless the lender specifically requests an original. Do not alter a document yourself or submit a replacement that omits unfavorable information.
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Ask the application lender to correct the file
Use the loan officer, mortgage broker or lender contact handling the pending application. Contacting the lender promptly is the practical first route for an application-stage problem. The Consumer Financial Protection Bureau (CFPB) tells consumers to contact the lender or settlement agent immediately when an error appears in mortgage paperwork and to question anything that seems odd. See the CFPB guidance on errors in mortgage closing documents.
Make the request specific and written
A phone call can alert the team quickly, but follow it with an email or secure message so there is a dated record. Identify the application or property without exposing unnecessary personal information in ordinary email. State that you believe a particular item is inaccurate, explain the correct information, attach the supporting record and ask what documentation or updated application form the lender requires.
Ask the lender to confirm in writing whether it corrected the application, added your explanation to the file or needs more information. If the lender uses an online portal, save a PDF or screenshot of the submission confirmation. Keep a timeline of calls, names, dates, promised follow-ups and documents delivered.
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Do not sign information you believe is false
Read every certification and disclosure before signing. If a form still contains an error, tell the lender and request a corrected version rather than signing and planning to fix it later. The CFPB’s home-loan toolkit, Your home loan toolkit: Don’t fudge numbers or documents, warns that “Mortgage fraud is a serious offense.” That warning is a reason to be candid and correct the record; it does not establish that every mistake is fraud. The toolkit also cautions that hiding negative information can delay or derail an application. You can read the 2015 toolkit at consumerfinance.gov/files/201505_cfpb_your-home-loan-toolkit-print-small.pdf.
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When the inaccurate information came from a credit report
If the lender says the disputed item is on a credit report, address the source record as well as the mortgage file. A lender generally cannot rewrite a credit bureau’s file simply because a borrower asks. Review the report from each reporting company the lender used and mark every inaccurate or incomplete entry.
Check for common report errors
The CFPB’s credit-report guidance, last reviewed September 2, 2026, identifies problems consumers should look for, including identity mix-ups, accounts that do not belong to them, incorrect balances, wrong account status and other incomplete or inaccurate information. Review names, addresses, Social Security-number-related identifiers, account opening dates, payment history, limits, balances, collection status and closed-account dates. The CFPB list is available at What are common credit report errors that I should look for on my credit report?
Dispute with both responsible parties
Send a dispute to the credit-reporting company and separately to the company that furnished the information, such as a creditor or collection company. Describe the entry precisely, explain why it is wrong or incomplete, and include copies of documents that support your position. Use the dispute method and address specified by each company, keep proof of delivery or electronic submission, and save the complete package.
The CFPB says consumers should contact both the reporting company and the furnisher. The Federal Trade Commission also advises checking credit reports before applying and disputing errors with the credit bureau; its consumer guidance is at consumer.ftc.gov/articles/mortgage-discrimination. Tell the mortgage lender that a credit item is being disputed, give it the dispute date and reference number, and ask how the pending underwriting decision will account for the unresolved item. A dispute does not guarantee that the mortgage application will be paused, approved or changed.
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If the error appears in closing documents
An application problem can carry into the final disclosures. Compare the Closing Disclosure with the most recent Loan Estimate and with the terms you agreed to. Check the loan amount, interest rate, loan type, projected payment, lender and settlement charges, credits, cash to close, property address and your personal details.
Use the review period
The CFPB says a lender generally provides the Closing Disclosure three business days before the scheduled closing. Use that period to ask why any amount or term differs and to request corrections before signing. The timing rule has exceptions for reverse mortgages, home-equity lines of credit, certain manufactured-housing loans and some subordinate-loan or assistance programs, so the exact documents and timing can differ for those transactions. Read the CFPB’s Closing Disclosure explainer for the standard form and review guidance.
Contact the lender or settlement agent immediately when you find a discrepancy. Ask for a corrected disclosure or a written explanation. Do not assume that a verbal promise at the closing table changes the contract; obtain the corrected figure or term in the document you will sign.
Choose the route that matches where the error appears
The correct response depends on which record contains the problem. This table separates the first practical contact from the supporting action.
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| Where the suspected error appears | First practical route | Supporting action |
|---|---|---|
| Pending application information | Contact the application lender, broker or loan officer and request a file correction. | Provide records showing the accurate income, debt, employment, occupancy, property or identity detail; retain written confirmation. See CFPB mortgage-document guidance. |
| Credit-report entry | Dispute with the credit-reporting company. | Dispute separately with the information furnisher, keep evidence, and tell the lender the item is disputed. See the CFPB credit-report guidance. |
| Closing Disclosure or other closing document | Contact the lender or settlement agent immediately. | Compare the Closing Disclosure with the Loan Estimate and request correction or an explanation before signing. See the CFPB Closing Disclosure explainer. |
| Existing loan-servicing record after closing | Use the mortgage servicer’s designated written error-resolution process. | Follow the notice requirements for a servicing error; this is not the ordinary route for a pending application. |
| Unresolved application problem | Consider a CFPB complaint or a HUD-approved housing counselor. | Keep the complete timeline and document package so the assistance provider can understand what happened. |
What to do if the lender will not fix the problem
Ask for a clear decision and reason
If underwriting will not change the record, ask whether the lender is relying on a document, credit entry or statement from another party. Request the reason in writing and ask what additional evidence would be considered. If the lender denies the mortgage, CFPB guidance says to request an explanation and check your credit report. Its denial guidance is available at I applied for a mortgage loan and my lender denied my application. What can I do?
Use a CFPB complaint
You can submit a complaint to the CFPB when you cannot resolve a mortgage problem with the company. Include a concise chronology, the disputed field, the correction you requested, supporting records and the lender’s response. A complaint creates a channel for the company to respond; it does not guarantee that the record will be corrected or decide whether the lender broke the law. The CFPB’s mortgage assistance page is at consumerfinance.gov/mortgage.
Talk with a HUD-approved housing counselor
A HUD-approved housing counselor can help you understand the mortgage process, organize questions and identify possible next steps. Counseling is an assistance option, not a ruling on who is correct, and it cannot guarantee approval or correction. The CFPB mortgage resource page links to housing-counseling help.
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Do not confuse an application dispute with a servicing error
Once a mortgage is closed, a different company may service the loan and handle payments, escrow and account records. The CFPB’s “notice of error” procedure concerns a servicer’s handling of an existing mortgage account. Under that process, a borrower may need to send a written notice containing borrower and account-identifying information to the servicer’s designated address. The governing regulation is 12 CFR § 1024.35, Error resolution procedures, and the CFPB’s consumer explanation is How do I dispute an error or request information about my mortgage?
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That servicing notice is not a general-purpose form for correcting an application before closing. For an application still being processed, contact the lender or broker handling the file. For a payment, escrow or account-management problem on an existing loan, follow the servicer’s specified written process instead.
When someone else supplied the inaccurate information
You may discover that a co-applicant, broker, seller, employer, creditor or another person supplied the disputed statement. The available consumer guidance does not establish one universal reporting duty, deadline or reporting agency for every such situation. The appropriate response can depend on the facts, loan program and state or federal law.
Tell the lender exactly what you know, identify the source if you can do so safely, and provide records supporting the accurate information. Do not speculate about another person’s intent or label the conduct criminal based only on an inconsistency. If you believe the issue could expose you to legal liability, involves deliberate falsification or creates a serious identity-theft concern, consult a qualified attorney promptly. A lawyer can assess your specific role and jurisdiction; a general online explanation cannot.
A practical communication checklist
Use this checklist each time you send a correction request:
- Name the application, property and date without placing unnecessary sensitive data in an unsecured message.
- Quote or identify the exact inaccurate field, page or account entry.
- State the accurate information and the record that supports it.
- Attach readable copies and keep the originals.
- Ask what form, signature or updated document the lender requires.
- Request written confirmation of the correction, the lender’s decision or any remaining deficiency.
- Record the date, recipient, method of delivery and response for every contact.
- Tell the lender when a credit-report dispute is pending and provide the dispute reference.
- Before closing, compare final documents with the Loan Estimate and raise discrepancies immediately.
Prompt, factual correction gives the lender a usable record and reduces the chance that an outdated or incorrect statement is carried into underwriting or closing. Keep communicating through the lender’s designated channels, and escalate only after you have preserved the underlying documents and response history.
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