Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
Violation of the Equal Credit Opportunity Act ( ECOA ) / Regulation B ( Marital Status Credit Discrimination ) and Real Estate Settlement Procedures Act ( RESPA ) Timeline Failures by First National Bank ( FNB ). My husband and I applied for a joint {$220000.00} home mortgage with FN B for a property in XXXX. On the final day of closing XX/XX/XXXX at XXXX, the loan XXXX denied the file via a standard email. Following a denial on my husbands complex self-employment income, we explicitly requested to drop him from the application and run me as a solo applicant. I am a highly XXXX XXXX XXXX XXXX XXXX XXXX making {$63000.00} per year with {$15000.00} in personal cash reserves, {$30000.0XXXX XXXX XXXXn and {$0.00} independent debt. The loan XXXX flatly refused to accept or process my individual application. Additionally my husband holds over {$100000.00} in cash reserves and over {$100000.00} in XXXX that he can gift me if needed. In a written email on our scheduled day of closing, the loan XXXX explicitly stated : " since your wife is a joint applicant or authorized user on most of the debts listed, they have to be counted towards her Debt to Income ratio. Additionally, if your husband were removed entirely from the loan... we would be required to restart the loan process. '' This is a direct violation of ECOA / Regulation B. In Pennsylvania, a non-community property state, a husband 's commercial liabilities can not be forced onto a solo applicant spouse. Furthermore, per Fannie Mae XXXX XXXX XXXX, authorized user accounts paid by the primary cardholder must be excluded from a borrower 's DTI and can be removed within XXXX hours. FNB weaponized a fundamental misinterpretation of credit guidelines to unlawfully deny an independent female XXXX applicant the right to apply for credit on my own merits. Additionally, the loan XXXX engaged in severe administrative negligence : sitting on our file, repeatedly demanding identical documents, and abruptly halting the file on the day of closing over an asset question that was legally resolved via a certified bank letter weeks prior. The loan XXXX also cited the FNB had non-financial, " occupancy concerns '' regarding my husbands XXXX XXXX XXXX XXXX XXXX XXXX completely dismissing my physical, mandatory employment at XXXX in XXXX and the fact that my husband is an owner/operator where his presence is irrelevant. A fact that was disclosed formally in a bank letter many weeks prior yet the issue was raised again the day of closing. FNB 's actions have placed our real estate contract in risk of default and forced me into a brutal, XXXX round-trip commute between XXXX and XXXX because XXXX now have to restart the process through XXXXXXXX XXXX XXXX feel the loan XXXX is hoping we move along and ignore the mismanagement and negligence of our file. In closing, I feel I am beyond qualified for a {$220000.00} mortgage and I feel the loan XXXX is operating in bad faith. To date I have never received a single phone call from our loan XXXX. When I have reached out to him directly, he has ignored me.

Company response to consumer: Closed with explanation