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Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. Q:\DavidL\Compliance\ECOA\PolicyDenying loans at Branch Level.docx.5) Under FORMS, go to the STATEMENT OF DENIAL screen. 1. Timing of notice - when an application is complete. Follow the instructions below to complete Statement of credit denial termination or change online easily and quickly: Log in to your account. Read the instructions before completing this form. Was your mortgage application denied during the underwriting process? Other Reasons for Denial. While your credit and income are the primary factors lenders consider, they don't tell the whole story. To be considered for a waiver, you must complete and return the Personal Financial Statement (DE 1446).