Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #4719811
Complaint Overview
Complaint ID: 4719811
Company: Fairway Independent Mortgage Corporation
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
State: Georgia
ZIP Code: 30504
Date Received: 2021-09-14T12:00:00-05:00
Date Sent to Company: 2021-09-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Prior, I made a complaint within 30 days of application with Fairway Mortgage Company for racial steering, redlining, lending discrimination. The complaint was made through CFPB portal and is currently under investigation by HUD. The complaint being made today, is a complaint for a second violation which occurred after the previously mentioned violation. Said mortgage company did not provide a letter of adverse action as required by the XXXX. XXXX XXXX of Fairway Mortgage Company verbally denied my application for credit purporting that I did not meet XXXX qualifications to live in the property. She purported that the developers only accepted XXXX conventional loans. She alleged she did not know the specific reasons for denial when questioned during our conversation on XX/XX/2021 and again XX/XX/2021. Application date was XX/XX/2021 and I have yet to see an adverse action letter providing verifiable reasons for denial. I believe that the company did not send a letter of denial because the claim that I did not qualify for XXXX XXXX was a false claim and was verbally offered in an attempt to racially steer me from the community I was interested in purchasing a home in ; it was verbally offered so that there is no record of the false claim because such claim would be evident by XXXX XXXX. Again, this a claim of a ECOA ( Reg B ) violation which has not been raised prior. I need an explanation as to why this company violated my rights to receive a written letter of denial.
Frequently Asked Questions
What is Complaint #4719811 about?
Complaint #4719811 was filed against Fairway Independent Mortgage Corporation regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2021-09-14T12:00:00-05:00.
How did Fairway Independent Mortgage Corporation 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 Fairway Independent Mortgage Corporation?
Yes, visit the Fairway Independent Mortgage Corporation company profile at readthecomplaint.com/company/fairway-independent-mortgage-corporation 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.