Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #4589544
Complaint Overview
Complaint ID: 4589544
Company: Angel Oak Home Loans LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
State: Illinois
ZIP Code: 60025
Date Received: 2021-07-30T12:00:00-05:00
Date Sent to Company: 2021-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
We began a mortgage refinance with Angel Oak Home loans in XX/XX/2021. As of today, XX/XX/2021 we have NOT completed this refinance. We have been asked over and over to supply additional information and had to re-submit for credit reporting and re-certification of appraisal because they were so slow/inept at underwriting & processing that many of the documents had " expired ''. XXXX XXXX was our original loan officer ( NMLS XXXX ). After some months of him being missing-in-action, XXXX XXXX tried to step in to help ( XXXX ). I was promised by XXXX that if we just run credit again in XXXX, that we would be able to close on the re-finance the following week. Obviously that didn't happen. They never communicate with me as the customer unless I reach out for a status - only re-active communication. No pro-active communication. The loan processor, XXXX XXXX did try to push this along. Much of the blame for these delays/requests were pushed to the mysterious " the underwriter '' who didn't seem to have the mental processing power to understand or comprehend the components of our application. We would have been fine if they ever just gave us a denial as a straight answer. Angel Oak is unethical and unprofessional and should not be allowed to offer mortgage services.
Frequently Asked Questions
What is Complaint #4589544 about?
Complaint #4589544 was filed against Angel Oak Home Loans LLC regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2021-07-30T12:00:00-05:00.
How did Angel Oak Home Loans LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Angel Oak Home Loans LLC?
Yes, visit the Angel Oak Home Loans LLC company profile at readthecomplaint.com/company/angel-oak-home-loans-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.