LoanDepot Mortgage Complaint

LoanDepot Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Texas

My wife and I applied for a refinance of our current mortgage with Loan Depot in early -. - - was my contact in the beginning and I answered ALL of his questions. After - hard credit inquiries in 33 days, including - in one day, I was told they could not refinance because I had over - acres and had acquired an equity loan several years ago which I paid in full. They NEVER asked me the acreage or if I had ever had an equity loan.If they had ask these questions initially the loan process would have never started and there would not have been - hard inquiries on my credit report. I asked them to remove at least - of the the credit inquiries, if not all of them, since they failed to ask the proper questions and they refused! Also I received a letter of Adverse Action Notification which stated that I had over - acres, said nothing about the equity loan but said that the " value of Type of Collateral not Sufficient ''. The loan request amount was $110000.00 but the appraisal was $230000.00! The insufficient collateral statement is totally false! My goal is to get these credit inquiries removed. If Loan Depot had done their job properly and efficiently this 45 day process and all the credit inquiries would not have been necessary. Regards, - - - - -, Texas -