so by the time of locking in my loan it was XXXX in XXXX and later changed the agreement at XXXX after I had gone to sleep. XXXX told me multiple times I would have nothing to worry about and my terms would be met. I was later issued a new closing loan with a 7.75 % interest rate on XX/XX/XXXX resulting in a back and forth trying to get my original rate. On XX/XX/XXXX a new closing loan was issued with a 7.375 % interest rate but I compared it to the original closing loan I was given on XX/XX/XXXX and it showed a new {$5400.00} charge of loan amount points. Along with this charge

What the CFPB Record Shows About so by the time of locking in my loan it was XXXX in XXXX and later changed the agreement at XXXX after I had gone to sleep. XXXX told me multiple times I would have nothing to worry about and my terms would be met. I was later issued a new closing loan with a 7.75 % interest rate on XX/XX/XXXX resulting in a back and forth trying to get my original rate. On XX/XX/XXXX a new closing loan was issued with a 7.375 % interest rate but I compared it to the original closing loan I was given on XX/XX/XXXX and it showed a new {$5400.00} charge of loan amount points. Along with this charge

so by the time of locking in my loan it was XXXX in XXXX and later changed the agreement at XXXX after I had gone to sleep. XXXX told me multiple times I would have nothing to worry about and my terms would be met. I was later issued a new closing loan with a 7.75 % interest rate on XX/XX/XXXX resulting in a back and forth trying to get my original rate. On XX/XX/XXXX a new closing loan was issued with a 7.375 % interest rate but I compared it to the original closing loan I was given on XX/XX/XXXX and it showed a new {$5400.00} charge of loan amount points. Along with this charge 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 XX/XX/X, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, so by the time of locking in my loan it was XXXX in XXXX and later changed the agreement at XXXX after I had gone to sleep. XXXX told me multiple times I would have nothing to worry about and my terms would be met. I was later issued a new closing loan with a 7.75 % interest rate on XX/XX/XXXX resulting in a back and forth trying to get my original rate. On XX/XX/XXXX a new closing loan was issued with a 7.375 % interest rate but I compared it to the original closing loan I was given on XX/XX/XXXX and it showed a new {$5400.00} charge of loan amount points. Along with this charge 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 "5-year step-down prepay", and the single most common underlying issue is "Origination fee {$5900.00}".

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 so by the time of locking in my loan it was XXXX in XXXX and later changed the agreement at XXXX after I had gone to sleep. XXXX told me multiple times I would have nothing to worry about and my terms would be met. I was later issued a new closing loan with a 7.75 % interest rate on XX/XX/XXXX resulting in a back and forth trying to get my original rate. On XX/XX/XXXX a new closing loan was issued with a 7.375 % interest rate but I compared it to the original closing loan I was given on XX/XX/XXXX and it showed a new {$5400.00} charge of loan amount points. Along with this charge: 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.