Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: American Heritage Lending, LLC
State: AZ

Complaint narrative:
approx XX/XX/XXXX XXXX collected all papers required to submit to lender for funding MLO was provided verbal and written notice of the serious concerns with the agent and that the policy was not being properly serviced and of the tainted claims on the policies which I have had since XXXX. MLO and processor acknowledged these reports and the purpose of the loan was a cash out refinance to mitigate damages to the property covered by the policies. Repeatedly I reported to the servicer and the MLO that this was not a business purpose loan. To this day the servicer is reporting the wrong social security numbers are on some of the documents they have with the cash out refinance and we were required to show this at the signing of the documents. On the XX/XX/XXXX paperwork with American heritage lending it says modify/upgrade property and legal effect the lender is trying to achieve with it does not hold as I was told that it is just the form that they use I clearly stated that the only reason I had debt was because of the non compliance of the agent and the adjusters on the paid off mortgage that I was doing a cash refinance, and I was NOT ever interested in operating or growing a business. Based on the communications I received after closing, I have reason to believe that the individual who handled my refinance may not have been the licensed Mortgage Loan Originator ( MLO ) listed on my disclosures. The person communicating with me displayed behavior that is inconsistent with a licensed MLO and inconsistent with someone with the employment history shown in XXXX, including : describing his role as merely submitting documents rather than originating or structuring the loan refusing to acknowledge or escalate material defects I disclosed during the refinance expressing fear that my questions would hurt his ability to feed his family, which is not how a licensed MLO responds to a compliance inquiry distancing himself from the loan immediately after funding stating he was too busy to address issues tied to the loan he supposedly originated failing to understand or acknowledge SAFE Act duties when I referenced them providing explanations that contradict the responsibilities of a Branch Manager or XXXX mortgage professional These behaviors are not consistent with a licensed MLO , especially one with the long employment history shown in XXXX . They are, however, consistent with situations where : unlicensed staff originate loans using someone elses XXXX number, or the licensed MLOs identity is being used by another individual ( imposter MLO scenario ), or the licensed MLO is not the person who actually handled the loan. I am requesting that the CFPB review whether the individual who communicated with me and handled my refinance was in fact the licensed MLO of record, and whether any unlicensed origination or impersonation occurred in violation of the SAFE Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation