Denial Reason-GUS Refer Findings or Underwritten?

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Question:

Pre-qualification application received Refer/Eligible Findings from GUS - Rural Development for a purchase of a primary residence loan. The loan could potentially be manually underwritten for approval if the borrower were to provide the documentation. Borrower chooses to not go manual underwrite and says cancel my file. Is the loan Denied based on the GUS refer findings or is it approved/not accepted on the hypothetical possibility that it may have been able to be manually underwritten?

Answer:

A hypothetical possibility is not the final action taken.

Based on your post I assume the applicant didn't want to provide the necessary documentation to manually underwrite the file therefore you have a denial for incomplete information.