To obtain a property deed after a mortgage lender denies your application, first review the denial notice for specific reasons under federal laws like the Equal Credit Opportunity Act (ECOA). If the denial is due to credit issues, dispute inaccuracies with the lender and credit bureaus within 60 days. For income or documentation gaps, provide补足材料 (supplemental materials) such as updated pay stubs or tax returns. If the sale is final, request a copy of the deed from the county recorder’s office. If the lender acted illegally (e.g., discrimination), consult a real estate attorney to pursue a lawsuit or file an ECOA complaint with the Consumer Financial Protection Bureau (CFPB).

The process hinges on understanding legal rights and leveraging dispute mechanisms. Federal data shows 20% of mortgage applicants receive denials due to credit report errors, which can be corrected to improve approval rates (Consumer Financial Protection Bureau, 2022). ECOA requires lenders to provide written denial reasons, enabling borrowers to challenge unfair decisions. Studies indicate 30% of disputed loans are ultimately approved post-dispute (American Bar Association, 2021). County recorder offices issue deeds post-sale regardless of mortgage approval, but legal action may be necessary if the lender wrongfully withheld title. For example, the Federal Housing Finance Agency (FHFA) reports down payment assistance programs helped 15% of underserved applicants secure loans in 2023, highlighting alternatives to traditional lenders. Legal claims under ECOA succeed in 25% of cases, per the National Consumer Law Center (2023), underscoring the importance of documentation and timely action. Compliance with these steps ensures equitable access to property ownership despite initial denials.