Review the appraisal to see if the information it contains is accurate and whether the appraiser considered illegal factors, such as the racial composition of the neighborhood. If you feel that the lender has not treated your mortgage application fairly because of your race, national origin, religion, sex, marital status, age, family status, handicap, or because you receive public assistance income, you can take several steps. Complain to the lender. Sometimes you can persuade the lender to reconsider your application. Check with your state Attorney General's office to see if the creditor violated state laws.
Many states have their own equal credit opportunity laws.
Contact a local private fair housing group. Report violations to the appropriate government agency. If your mortgage application is denied, the lender must give you the name and address of the agency to contact. If you win, you can recover your actual damages and be awarded punitive damages if the court finds that the lender's conduct was willful. You also may recover reasonable lawyer's fees and court costs.