Can a lender refuse my mortgage because I receive public-assistance income?
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Short answer
A lender or broker cannot refuse a mortgage because the income comes from a public-assistance program. The CFPB says the creditor may still consider whether that income is likely to continue. If it is not likely to continue, that fact can be used in the creditworthiness review.
Full explanation
The CFPB says a creditor such as a lender or broker cannot discriminate against an applicant because the applicant receives public-assistance income. A refusal that is based only on the fact that the income is public assistance is the kind of treatment that statement addresses.
Like other income, public-assistance income may still be reviewed for likely continuity. If the income is not likely to continue, the CFPB says that fact can be considered in determining creditworthiness.
This FAQ covers only public-assistance income, the basis in the source. It does not import other statutes or protected classes. This is general information, not a finding that any particular denial was unlawful and not advice about a specific application.
Sources reviewed
Can a lender or broker consider whether I receive income from a public assistance program when deciding whether to give me a mortgage or home equity loan?
Limits
Educational summary of public sources. Not personalized advice. The original official source controls where applicable.
Last reviewed
September 10, 2026
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