USAA Savings Mortgage Complaint

USAA Savings Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker New York

I wanted to proceed with a mortgage refinance on my primary residence and I was rejected by USAA Federal Savings bank due to my debt to income ratio which was 48 %. The associate stated that the debt to income ratio should be 45 % or under. So I applied with my wife as joint applicants. We were turned down as well due to the fact that her credit score was below - ( - ). I am displeased due to the standards imposed in trying to apply for a refinance. We are hard working individuals that want to consolidate the - mortgage loans into -.