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Issue Encyclopedia · Guideline F · Financial

Mortgage / Home Loan Debt

What the decided record shows for this issue, computed from public DOHA hearing-level decisions. Descriptive history, not a prediction.

Does mortgage / home loan debt affect a security clearance?

Mortgage / Home Loan Debt is an issue decided under Guideline F, Financial. In the decided DOHA record it appears in 2,128 hearing-level cases, and 41% of the 2,127 decided ended with access granted (869 granted, 1,258 denied). The mitigating conditions judges credited most often, and example decisions either way, are below.

Basis: 2,127 decided hearing-level cases raising this issue. Descriptive history of decided cases, not a prediction.

More questions people ask the record

Decided cases

2,128

hearing-level decisions raising this issue

Granted

41%

869 granted · 1,258 denied or revoked

Official mitigating conditions cited

The formal mitigating conditions the case profiles identified on this issue, in cases that were granted and in cases that were denied. Each is shown with its paragraph number and a plain name. Read what each condition says.

  • ¶ 20(b) · Conditions largely beyond the person's control, met responsibly

    In granted cases
    562
    In denied cases
    30

  • ¶ 20(d) · A good-faith effort to repay or otherwise resolve the debts

    In granted cases
    489
    In denied cases
    46

  • ¶ 20(c) · Counseling received, with clear signs the problem is being resolved

    In granted cases
    316
    In denied cases
    22

  • ¶ 20(a) · So long ago, or so infrequent, that it is unlikely to recur

    In granted cases
    162
    In denied cases
    6

  • ¶ 20(e) · A reasonable and documented basis to dispute the debt

    In granted cases
    40
    In denied cases
    7

  • ¶ 20(g) · An arrangement made with the tax authority, and kept

    In granted cases
    10
    In denied cases
    3

Circumstances credited in granted cases

The specific circumstances the judge expressly credited among the granted cases on this issue where that detail was extracted.
  • debt paid in full · credited in 3 granted cases
  • chapter 7 bankruptcy · credited in 2 granted cases
  • financial counseling · credited in 2 granted cases
  • passage of time · credited in 1 granted case
  • payment plan with creditor · credited in 1 granted case

Recent decided examples

  • ISCR Case No. 25-00248Granted2026

    Applicant, a 46-year-old safety assistant for a federal contractor, was granted eligibility after the judge found he mitigated Guideline F concerns. The SOR alleged seven delinquent accounts totaling …

  • ISCR Case No. 25-01434Granted2026

    Applicant, a 29-year-old defense contractor employee with some college and three minor children, faced Guideline F concerns based on more than $40,000 in delinquent debts, including a foreclosed home,…

  • ISCR Case No. 22-02410Denied2026

    The applicant, who represented herself, faced security concerns primarily under Guideline F related to financial considerations, including multiple bankruptcies and delinquent debts. While she mitigat…

  • ISCR Case No. 26-00645Denied2026

    The applicant's security clearance was denied due to financial concerns under Guideline F, which included multiple delinquent debts totaling approximately $150,000, a past-due mortgage, and an outstan…

See all 2,128 decisions on this issue

Related issues under Guideline F

How these numbers are measured

Scope: decided hearing-level cases whose per-allegation profile records this issue, matched to the same issue value the search filters use, so a count here and a filtered search always agree. A case raising several issues counts under each one. The mitigating conditions and the credited circumstances below were extracted for a subset of the record, so both are counts of cases rather than rates. Pages exist only for issues with at least 25 decided cases, and † marks any split built on fewer than 20.

Reading the statistics

  • Granted = access granted or continued; Denied = denied or revoked.
  • Grant rate = granted ÷ (granted + denied).
  • † marks figures based on fewer than 20 cases, too few to be reliable.
  • Hovering any rate shows its statistical range (a 95% confidence interval).
  • Figures are descriptive counts over decided, public DOHA ISCR decisions, never predictions or assessments of any pending case.

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