after more than 2 months thinking all was going well to find out I would not be getting the loan. I locked in 3.375 % and now rates have gone up so trying to refinance with someone else does n't make sense for me. I refinanced 2 years ago and did n't encounter this ineligible problem so why now and why did it take almost 2 months to tell me. I am also currently waiting for a response to my request made on XXXX/XXXX/16 to XXXX XXXX that they reimburse me for the appraisal fee since I told them all honest information up front and emphasized I did not want to pay for an appraisal unless they were sure they could do the loan

What the CFPB Record Shows About after more than 2 months thinking all was going well to find out I would not be getting the loan. I locked in 3.375 % and now rates have gone up so trying to refinance with someone else does n't make sense for me. I refinanced 2 years ago and did n't encounter this ineligible problem so why now and why did it take almost 2 months to tell me. I am also currently waiting for a response to my request made on XXXX/XXXX/16 to XXXX XXXX that they reimburse me for the appraisal fee since I told them all honest information up front and emphasized I did not want to pay for an appraisal unless they were sure they could do the loan

after more than 2 months thinking all was going well to find out I would not be getting the loan. I locked in 3.375 % and now rates have gone up so trying to refinance with someone else does n't make sense for me. I refinanced 2 years ago and did n't encounter this ineligible problem so why now and why did it take almost 2 months to tell me. I am also currently waiting for a response to my request made on XXXX/XXXX/16 to XXXX XXXX that they reimburse me for the appraisal fee since I told them all honest information up front and emphasized I did not want to pay for an appraisal unless they were sure they could do the loan has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to On X, and the most recent logged activity is On XXXX/XX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, after more than 2 months thinking all was going well to find out I would not be getting the loan. I locked in 3.375 % and now rates have gone up so trying to refinance with someone else does n't make sense for me. I refinanced 2 years ago and did n't encounter this ineligible problem so why now and why did it take almost 2 months to tell me. I am also currently waiting for a response to my request made on XXXX/XXXX/16 to XXXX XXXX that they reimburse me for the appraisal fee since I told them all honest information up front and emphasized I did not want to pay for an appraisal unless they were sure they could do the loan reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "after sending an email to XXXX XXXX asking if I should pay my XXXX mortgage payment or if my loan closing would be happening before it was due", and the single most common underlying issue is "it did n't meet their risk profile".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating after more than 2 months thinking all was going well to find out I would not be getting the loan. I locked in 3.375 % and now rates have gone up so trying to refinance with someone else does n't make sense for me. I refinanced 2 years ago and did n't encounter this ineligible problem so why now and why did it take almost 2 months to tell me. I am also currently waiting for a response to my request made on XXXX/XXXX/16 to XXXX XXXX that they reimburse me for the appraisal fee since I told them all honest information up front and emphasized I did not want to pay for an appraisal unless they were sure they could do the loan: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.