Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Acrisure Mortgage Partners, LLC
State: GA

Complaint narrative:
Company Name : Trailblazer Mortgage Complaint Type : Mortgage / Credit Denial / Failure to Issue Adverse Action Notice Description : I, XXXX XXXX, am filing this complaint against Trailblazer Mortgage regarding serious concerns related to the handling of my residential mortgage application connected to the purchase of a newly constructed home developed by XXXX XXXX. My wife, XXXX XXXX, and I initially entered into a Purchase Agreement with Starlight Homes on XX/XX/XXXX, and submitted a {$2500.00} Earnest Money Deposit in connection with the transaction. Financing for the purchase was being processed through Trailblazer Mortgage, the lender affiliated with the builder. On XX/XX/XXXX, Trailblazer Mortgage informed us via email that we did not qualify for financing based on our financial documentation, specifically our XXXX and XXXX tax returns. At that point, the lender had already determined that we were not eligible for the loan program contemplated under the original contract. Despite this determination : We were never issued a Formal Loan Denial Letter ( Adverse Action Notice ) No Pre-Approval Letter was ever issued at any point during the transaction Our Earnest Money Deposit from the XXXX contract was not returned Nevertheless, the lender and builder proceeded with a second Purchase Agreement dated XX/XX/XXXX It is important to emphasize that, at the time the second contract was executed : Our financial condition had not changed Trailblazer Mortgage already knew that we did not qualify The financing contemplated in the transaction was not realistically attainable Trailblazer Mortgage never issued a Pre-Approval Letter or a formal Loan Approval Furthermore, after execution of the second contract, the lender materially changed the financing terms, including increasing the required down payment from XXXX % to XXXX % and modifying the interest rate structure, making the loan even more financially unfeasible for us. We continued to cooperate in good faith throughout the entire process. However, it became increasingly evident that financing could not be obtained under the terms represented in the transaction. On XX/XX/XXXX, we formally requested the return of our Earnest Money Deposit pursuant to the Financing Contingency Clause contained in the contract, and requested that the lender issue a Formal Loan Denial Letter due to our inability to qualify. Instead of issuing the required denial letter, Trailblazer Mortgage later classified the loan file on XX/XX/XXXX as a withdrawal, alleging that we voluntarily withdrew from the transaction. This characterization is inaccurate and misleading. We did not voluntarily withdraw ; rather, we requested formal documentation confirming the lenders prior determination that we did not qualify for financing. The lenders refusal to issue a formal Adverse Action Notice directly impaired our ability to properly exercise our Financing Contingency Rights under the Purchase Agreements. As a result, XXXX XXXX is now withholding our {$2500.00} Earnest Money Deposit, causing us financial harm. This situation is particularly concerning because the transaction was allowed to continue including execution of a second contract despite the lender already knowing that we did not qualify and despite the absence of any pre-approval. I believe Trailblazer Mortgages actions may constitute : XXXX.-Violation of the Equal Credit Opportunity Act ( ECOA ) XXXX.-Failure to issue the required Adverse Action Notice after determining that we did not qualify XXXX.-Misrepresentation of the loan file status by improperly labeling the matter as a withdrawal XXXX-Conduct that materially interfered with our contractual and consumer rights Unfair and potentially deceptive lending practices resulting in financial harm My wife and I acted in good faith throughout the transaction and fully cooperated with all lender requests. However, the lenders failure to properly document the denial and provide legally required notices created both a procedural and financial disadvantage, which is now being used against us to justify retention of our Earnest Money Deposit. Resolution Requested : XXXXIssuance of a formal written Loan Denial Letter / Adverse Action Notice XXXX.-Written correction clarifying that the file was not voluntarily withdrawn by us XXXXInvestigation into the lenders handling of this mortgage application and compliance with ECOA requirements XXXXAssistance in resolving the financial harm caused, including the wrongful withholding of our {$2500.00} Earnest Money Deposit XXXXReview of the lenders conduct in allowing the transaction to proceed despite prior knowledge that we did not qualify for financing Supporting documentation including the lenders XX/XX/XXXX email communication, Purchase Agreements, Earnest Money documentation, and additional transaction records can be provided upon request.

Company response to consumer: Closed with explanation