Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Titan Home Lending,LLC
State: FL

Complaint narrative:
My name is XXXX XXXX and I am the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located in XXXX, XXXX  Recently it came to our attention that XXXX of our loan officers ( XXXX XXXX XXXX # XXXX ) was preapproving borrowers under Titan Lending while her license was still hung with XXXX XXXX XXXX XXXX XXXX. 

The way we came about this information is XXXX months ago. On XX/XX/XXXX at XXXX our processor XXXX XXXX received an executed purchase contract for borrower, XXXX XXXX XXXX The contract came from XXXX of our company 's preferred realtor partners ( that we do comarketing with through XXXX ). It was sent directly to the processor instead of the loan officer, which was out of the ordinary, so it stood out to us. Our preferred realtor partner ( WHT ) thought the contract belonged to us, as they worked with XXXX, the owner and XXXX for Spanish speakers and our company pays for their leads. They had no idea XXXX was taking leads and preapproving them with another lender 's information. 

Our processor forwarded the email to the owner, XXXX XXXX, and myself, to notify us of the contract. I checked our origination software, XXXX, and found that the application had come into our system on XX/XX/XXXX, but that credit and XXXX were run elsewhere. The activity logs in XXXX show that XXXX worked on the loan the XXXX, XXXX, XXXX XXXX updating fees, product and loan information. The credit score was input manually in XXXX. She came back into the system XXXX last time on the XXXX the day we found out, to update the borrower 's information. 

At this time the owner, XXXX XXXX, reached out to XXXX and her partner, XXXX XXXX to ask what was going on. XXXX claimed to have no knowledge of the illegal activity, as he was in XXXX XXXX on vacation. Later, however, he admitted he was aware XXXX was preapproving files somewhere else for over month, but claimed he didn't know she had taken apps that came into XXXX  Loan Origination Software and moved them to a different lender. Specifically, XXXX claimed he was unaware that she had issued any preapprovals with her name on them coinciding with another lender that she is not licensed with. 
At that time, I deactivated and offboarded XXXX. 

A week later we received notice from another lender, XXXX. It appears XXXX was listed as the processor on a loan submitted XX/XX/25 ( closed XX/XX/25 ), it was also an XXXX XXXX XXXX that was taken from our system and closed with Titan Lending. The borrower/consumer name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 

At XXXX XXXX  we want to ensure the privacy of our consumer data and it is against company policy and illegal to take private obtained information and share it with another company without permission. It is unlicensed activity for XXXX XXXX XXXX XXXX to provide preapprovals with a loan officer name who's license is not hung with them.

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