How do I appeal the denial of my application for FHA Approval?

An applicant may submit an appeal of the denial decision through the online application within 30 days of the date of the denial. FHA’s written notice disapproving an application explains the specific reasons for denial.     

All reasons for disapproval must be addressed before resubmitting the application.   

If the denial is sustained, the applicant may submit a second appeal through the online application within 30 days of the date the denial is sustained.  If the denial is sustained a second time, the applicant will be ineligible to apply for FHA approval for a period of 12 months.  

Applicants are limited to two appeals and each resubmission counts as an appeal.   

The FHA online application is available on the How to Become an FHA-Approved Lender link in the Approvals & Renewals section at:   

For additional information see Handbook 4000.1 I.A.3.f  at:

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-04073