As others have said, it’s not a clearance denial it’s a suitability denial. You wouldn’t get an SOR. What did the investigator reach out to you about?? Your wife’s clearance and suitability has nothing to do with yours. Your suitability has nothing to do with the clearance you had in the military. Suitability is based on your character and conduct. You mentioned you did a deed in lieu. Which is in lieu of foreclosure correct? Did you report that to your agency while it was going on? Your credit does take a hit when you do that and although we don’t get credit scores, they do look at that. Was the mortgage behind when you did that? Each agency decides your suitability. There are some agencies who don’t allow anything negative especially when it comes to credit. Hopefully for FOIA will provide some information to you but luckily, it’s not a clearance denial. By you already working for them, did you have any incidences that you had to list on your clearance?