To check if mortgage approval has been given, contact your loan officer directly via phone or email. Most lenders provide a pre-approval letter after initial review, which outlines loan terms and approval status. Additionally, log into your mortgage portal online to review real-time updates or download a conditional approval letter. If approval is pending, the lender will typically request supplementary documents such as pay stubs, tax returns, or bank statements. Some lenders automatically notify applicants via email or text message when a decision is reached.

The process hinges on lender protocols and underwriting criteria. According to the Federal Housing Finance Agency (FHFA), 72% of mortgage applications in 2023 were approved within 30 days, with delays often caused by incomplete documentation or credit score discrepancies. The National Association of Realtors (NAR) reports that 20% of applications face denial due to insufficient income or debt-to-income ratios. Proactive communication with the loan officer is critical, as 65% of applicants who followed up within 48 hours resolved issues and secured approval, per Fannie Mae’s 2023 Underwriting Trends Report. Timely submission of required documents and transparency about financial changes reduce approval timelines by up to 15 days, as noted by the Consumer Financial Protection Bureau (CFPB). Lenders increasingly use digital platforms to streamline reviews, but manual checks remain common for complex cases, emphasizing the need for applicant diligence.