To resolve a home loan application that isn’t processing, first contact the lender to confirm the status and identify specific issues. Review required documents for completeness and accuracy, such as proof of income, tax returns, or credit reports. If errors exist, correct and resubmit. If the delay stems from underwriting, request an update or provide additional documentation. For complex cases, consider escalating to a loan officer’s supervisor. If unresolved, explore alternative lenders or refinance options.

Processing delays often occur due to incomplete documentation or underwriting bottlenecks. According to a 2023 Urban Institute report, 30% of loan denials resulted from missing or inaccurate paperwork. Meanwhile, Fannie Mae data revealed a 25% increase in underwriting delays in 2023 due to rising demand and staffing shortages. Lenders like Quicken Loans and Bank of America have reported average processing times exceeding 30 days in 2024, citing similar challenges. Additionally, applicant-related issues—such as fluctuating credit scores or employment gaps—account for 15% of processing failures, per a 2023 Federal Housing Finance Agency study. Proactive communication and meticulous document preparation are critical to overcoming these hurdles.