Everyone is not denied. I do a large number of HARP refinances and the vast majority are approved. Some lenders have overlays, but you can find some who do not. Depending on if it's Fannie Owned or Freddie owned plays a large part in it as well. Freddie Mac owned mortgages are harder to get done at higher loan to value. Virtually all eligible Fannie Mae mortgages are approved in my experience. Contact me if you need assistance.