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LendSmart Mortgage provides residential mortgage lending services in 14 states nationwide. We are able to provide a high level of service through our advanced technology along with the most competitive rates in the market.
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A BBB Accredited Business since
BBB has determined that Lend Smart Mortgage, LLC meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
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Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Minnesota Secretary of State
180 State Office Bldg, 100 Rev. Dr. Martin Luther King Jr. Blvd., Saint Paul MN 55155
Phone Number: (651) 296-2803
Type of Entity
Limited Liability Company (LLC)
Business ManagementScott Flaherty, CEO Shawn Vaiana, VP
Mortgage Brokers Reverse Mortgage Mortgage Lender Financial Services Mortgage Bankers Business Consultants Real Estate - Short Sale Loans Real Estate Loans
Refund and Exchange PolicyLender fees are guaranteed & refunded in accordance with the laws governing Good Faith Estimates.
Service AreaLend Smart Mortgage, LLC provides their services in MINNESOTA.Lend Smart Mortgage, LLC provides their services in ADA, ADAMS, ADOLPH, ADRIAN, AFTON, AH GWAH CHING, AITKIN, AKELEY, ALBANY, ALBERT LEA, ALBERTA, ALBERTVILLE, ALBORN, ALDEN, ALDRICH, ALEXANDRIA, ALMELUND, ALPHA, ALTURA, ALVARADO, AMBOY, AMIRET, ANDOVER, ANGLE INLET, ANGORA, ANGUS, ANNANDALE, ANOKA, APPLE VALLEY, APPLETON, ARCO, ARDEN HILLS, ARGYLE, ARLINGTON, ASHBY, ASKOV, ATWATER, AUDUBON, AURORA, AUSTIN, AVOCA, AVON, BABBITT, BACKUS, BADGER, BAGLEY, BAKER, BALATON, BARNESVILLE, BARNUM, BARRETT, BARRY, BATTLE LAKE, BAUDETTE, BAXTER, BAYPORT, BEARDSLEY, BEAVER BAY, BEAVER CREEK, BECIDA, BECKER, BEJOU, BELGRADE, BELLE PLAINE, BELLECHESTER, BELLINGHAM, BELTRAMI, BELVIEW, BEMIDJI, BENA, BENEDICT, BENSON, BEROUN, BERTHA, BETHEL, BIG FALLS, BIG LAKE, BIGELOW, BIGFORK, BINGHAM LAKE, BIRCHDALE, BIRD ISLAND, BISCAY, BIWABIK, BLACKDUCK, BLAINE, BLMNG PRAIRIE, BLOMKEST, BLOOMING PRAIRIE, BLOOMINGTON, BLUE EARTH, BLUFFTON, BOCK, BORUP, BOVEY, BOWLUS, BOWSTRING, BOY RIVER, BOYD, BRAHAM, BRAINERD, BRANDON, BRECKENRIDGE, BREEZY POINT, BREWSTER, BRICELYN, BRIMSON, BRITT, BROOK PARK, BROOKLYN CENTER, BROOKLYN CTR, BROOKLYN PARK, BROOKS, BROOKSTON, BROOTEN, BROWERVILLE, BROWNS VALLEY, BROWNSDALE, BROWNSVILLE, BROWNTON, BRUNO, BUCKMAN, BUFFALO, BUFFALO LAKE, BUHL, BURNS TOWNSHIP, BURNS TWNSHP, BURNSVILLE, BURTRUM, BUTTERFIELD, BUYCK, BYRON, CALEDONIA, CALLAWAY, CALUMET, CAMBRIDGE, CAMPBELL, CANBY, CANNON FALLS, CANTON, CANYON, CARLISLE, CARLOS, CARLTON, CARVER, CASS LAKE, CASTLE ROCK, CEDAR, CEDAR E BETHL, CEDAR EAST BETHEL, CENTER CITY, CENTERVILLE, CEYLON, CHAMPLIN, CHANDLER, CHANHASSEN, CHASKA, CHATFIELD, CHISAGO CITY, CHISHOLM, CHOKIO, CIRCLE PINES, CLARA CITY, CLAREMONT, CLARISSA, CLARKFIELD, CLARKS GROVE, CLEAR LAKE, CLEARBROOK, CLEARWATER, CLEMENTS, CLEVELAND, CLIMAX, CLINTON, CLITHERALL, CLONTARF, CLOQUET, COBDEN, COHASSET, COKATO, COLD SPRING, COLERAINE, COLLEGEVILLE, COLOGNE, COLUMBIA HEIGHTS, COLUMBIA HTS, COLUMBUS, COMFREY, COMSTOCK, CONGER, COOK, COON RAPIDS, CORCORAN, CORRELL, COSMOS, COTTAGE GROVE, COTTON, COTTONWOOD, COURTLAND, CRANE LAKE, CROMWELL, CROOKSTON, CROSBY, CROSSLAKE, CROWN COLLEGE, CRYSTAL, CRYSTAL BAY, CULVER, CURRIE, CUSHING, CYRUS, DAKOTA, DALBO, DALTON, DANUBE, DANVERS, DARFUR, DARWIN, DASSEL, DAWSON, DAYTON, DE GRAFF, DEER CREEK, DEER RIVER, DEERWOOD, DELANO, DELAVAN, DELHI, DELLWOOD, DENNISON, DENT, DETROIT LAKES, DEXTER, DILWORTH, DODGE CENTER, DONALDSON, DONNELLY, DORAN, DOVER, DOVRAY, DOWNER, DULUTH, DUMONT, DUNDAS, DUNDEE, DUNNELL, DUQUETTE, E GRAND FORKS, E GULL LAKE, EAGAN, EAGLE BEND, EAGLE LAKE, EAST BETHEL, EAST GRAND FORKS, EAST GULL LAKE, EASTON, ECHO, EDEN PRAIRIE, EDEN VALLEY, EDGERTON, EDINA, EFFIE, EITZEN, ELBOW LAKE, ELDRED, ELGIN, ELIZABETH, ELK RIVER, ELKO, ELKO NEW MARKET, ELKO NEW MRKT, ELKTON, ELLENDALE, ELLSWORTH, ELMDALE, ELMORE, ELROSA, ELY, ELYSIAN, EMBARRASS, EMILY, EMMONS, ERHARD, ERSKINE, ESKO, ESSIG, EUCLID, EVAN, EVANSVILLE, EVELETH, EXCELSIOR, EYOTA, FAIRFAX, FAIRMONT, FALCON HEIGHTS, FALCON HGTS, FARIBAULT, FARMINGTON, FARWELL, FEDERAL DAM, FELTON, FERGUS FALLS, FERTILE, FIFTY LAKES, FINLAND, FINLAYSON, FISHER, FLENSBURG, FLOM, FLOODWOOD, FLORENCE, FOLEY, FORADA, FORBES, FOREST LAKE, FORESTON, FORT RIPLEY, FORT SNELLING, FOSSTON, FOUNTAIN, FOXHOME, FRANKLIN, FRAZEE, FREEBORN, FREEPORT, FRIDLEY, FRONTENAC, FROST, FULDA, GARDEN CITY, GARFIELD, GARRISON, GARVIN, GARY, GATZKE, GAYLORD, GENEVA, GEORGETOWN, GHEEN, GHENT, GIBBON, GILBERT, GILMAN, GLENCOE, GLENVILLE, GLENWOOD, GLYNDON, GOLDEN VALLEY, GONVICK, GOOD THUNDER, GOODHUE, GOODLAND, GOODRIDGE, GOODVIEW, GRACEVILLE, GRANADA, GRAND MARAIS, GRAND MEADOW, GRAND PORTAGE, GRAND RAPIDS, GRANDY, GRANGER, GRANITE FALLS, GRASSTON, GREEN ISLE, GREENBUSH, GREENWALD, GREENWOOD, GREY EAGLE, GROVE CITY, GRYGLA, GULLY, HACKENSACK, HADLEY, HALLOCK, HALMA, HALSTAD, HAM LAKE, HAMBURG, HAMEL, HAMMOND, HAMPTON, HANCOCK, HANLEY FALLS, HANOVER, HANSKA, HARDING, HARDWICK, HARMONY, HARRIS, HARTLAND, HASTINGS, HATFIELD, HAWICK, HAWLEY, HAYFIELD, HAYWARD, HAZEL RUN, HECTOR, HEIDELBERG, HENDERSON, HENDRICKS, HENDRUM, HENNING, HENRIETTE, HERMAN, HERMANTOWN, HERON LAKE, HEWITT, HIBBING, HILL CITY, HILLMAN, HILLS, HILLTOP, HINCKLEY, HINES, HITTERDAL, HOFFMAN, HOKAH, HOLDINGFORD, HOLLAND, HOLLANDALE, HOLLOWAY, HOLMES CITY, HOLT, HOLYOKE, HOMER, HOPE, HOPKINS, HOUSTON, HOVLAND, HOWARD LAKE, HOYT LAKES, HUGO, HUMBOLDT, HUNTLEY, HUTCHINSON, IHLEN, INDEPENDENCE, INTERNATIONAL FALLS, INTL FALLS, INVER GROVE, INVER GROVE HEIGHTS, IONA, IRON, IRON JUNCTION, IRONTON, ISABELLA, ISANTI, ISLE, IVANHOE, JACKSON, JACOBSON, JANESVILLE, JASPER, JEFFERS, JENKINS, JOHNSON, JORDAN, KABETOGAMA, KANARANZI, KANDIYOHI, KARLSTAD, KASOTA, KASSON, KEEWATIN, KELLIHER, KELLOGG, KELLY LAKE, KELSEY, KENNEDY, KENNETH, KENSINGTON, KENT, KENYON, KERKHOVEN, KERRICK, KETTLE RIVER, KIESTER, KILKENNY, KIMBALL, KINBRAE, KINGSTON, KINNEY, KLOSSNER, KNIFE RIVER, LA CRESCENT, LA SALLE, LAFAYETTE, LAKE BENTON, LAKE BRONSON, LAKE CITY, LAKE CRYSTAL, LAKE ELMO, LAKE GEORGE, LAKE HENRY, LAKE HUBERT, LAKE ITASCA, LAKE LILLIAN, LAKE PARK, LAKE SHORE, LAKE ST CROIX BEACH, LAKE WILSON, LAKEFIELD, LAKELAND, LAKELAND SHORES, LAKELAND SHRS, LAKEVILLE, LAMBERTON, LANCASTER, LANDFALL VILLAGE, LANDFALL VLG, LANESBORO, LANSING, LAPORTE, LASTRUP, LAUDERDALE, LE CENTER, LE ROY, LE SUEUR, LENGBY, LEONARD, LEOTA, LESTER PR, LESTER PRAIRIE, LEWISTON, LEWISVILLE, LINDSTROM, LINO LAKES, LISMORE, LITCHFIELD, LITTLE CANADA, LITTLE FALLS, LITTLE MARAIS, LITTLE SAUK, LITTLEFORK, LOCKHART, LOMAN, LONDON, LONG BEACH, LONG LAKE, LONG PRAIRIE, LONGVILLE, LONSDALE, LORETTO, LOUISBURG, LOWRY, LUCAN, LUTSEN, LUVERNE, LYLE, LYND, MABEL, MADELIA, MADISON, MADISON LAKE, MAGNOLIA, MAHNOMEN, MAHTOMEDI, MAHTOWA, MAKINEN, MANCHESTER, MANHATTAN BCH, MANHATTAN BEACH, MANKATO, MANTORVILLE, MAPLE GROVE, MAPLE LAKE, MAPLE PLAIN, MAPLETON, MAPLEVIEW, MAPLEWOOD, MARBLE, MARCELL, MARGIE, MARIETTA, MARINE ON SAINT CROIX, MARINE ST CRX, MARKVILLE, MARSHALL, MAX, MAYER, MAYNARD, MAZEPPA, MC GRATH, MCGREGOR, MCINTOSH, MCKINLEY, MEADOWLANDS, MEDFORD, MEDICINE LAKE, MEDINA, MEIRE GROVE, MELROSE, MELRUDE, MENAHGA, MENDOTA, MENDOTA HEIGHTS, MENDOTA HTS, MENTOR, MERIDEN, MERRIFIELD, MIDDLE RIVER, MILACA, MILAN, MILLERVILLE, MILLVILLE, MILROY, MILTONA, MINETONKA BCH, MINETONKA MLS, MINN CITY, MINNEAPOLIS, MINNEISKA, MINNEOTA, MINNESOTA CITY, MINNESOTA LAKE, MINNESOTA LK, MINNETNKA BCH, MINNETNKA MLS, MINNETONKA, MINNETONKA BEACH, MINNETONKA MILLS, MINNETRISTA, MIZPAH, MONTEVIDEO, MONTGOMERY, MONTICELLO, MONTROSE, MOORHEAD, MOOSE LAKE, MORA, MORGAN, MORRIS, MORRISTOWN, MORTON, MOTLEY, MOUND, MOUNDS VIEW, MOUNDSVIEW, MOUNTAIN IRON, MOUNTAIN LAKE, MURDOCK, MYRTLE, N SAINT PAUL, NASHUA, NASHWAUK, NASSAU, NAVARRE, NAYTAHWAUSH, NELSON, NERSTRAND, NETT LAKE, NEVIS, NEW AUBURN, NEW BRIGHTON, NEW GERMANY, NEW HOPE, NEW LONDON, NEW MARKET, NEW MUNICH, NEW PRAGUE, NEW RICHLAND, NEW TRIER, NEW ULM, NEW YORK MILLS, NEW YORK MLS, NEWFOLDEN, NEWPORT, NICOLLET, NICOLVILLE, NIELSVILLE, NIMROD, NISSWA, NO OAKS, NORCROSS, NORTH BRANCH, NORTH MANKATO, NORTH OAKS, NORTH REDWOOD, NORTH SAINT PAUL, NORTH ST PAUL, NORTHFIELD, NORTHOME, NORTHROP, NORWOOD, NORWOOD YOUNG AMERICA, NOWTHEN, NOYES, NYA, OAK GROVE, OAK ISLAND, OAK PARK, OAK PARK HEIGHTS, OAK PARK HGTS, OAK PARK HTS, OAKDALE, OAKLAND, ODESSA, ODIN, OGEMA, OGILVIE, OKABENA, OKLEE, OLIVIA, ONAMIA, ORLEANS, ORMSBY, ORONO, ORONOCO, ORR, ORTONVILLE, OSAGE, OSAKIS, OSLO, OSSEO, OSTRANDER, OTISCO, OTSEGO, OTTERTAIL, OUTING, OWATONNA, PALISADE, PARK RAPIDS, PARKERS PR, PARKERS PRAIRIE, PARKVILLE, PAYNESVILLE, PEASE, PEL RAPIDS, PELICAN RAPIDS, PEMBERTON, PENCER, PENGILLY, PENNINGTON, PENNOCK, PEQUOT LAKES, PERHAM, PERLEY, PETERSON, PIERZ, PILLAGER, PINE CITY, PINE ISLAND, PINE RIVER, PINE SPRINGS, PINEWOOD, PIPESTONE, PITT, PLAINVIEW, PLATO, PLUMMER, PLYMOUTH, PONEMAH, PONSFORD, PORTER, PRESTON, PRINCETON, PRINSBURG, PRIOR LAKE, PROCTOR, PUPOSKY, RACINE, RADIUM, RAMSEY, RANDALL, RANDOLPH, RANIER, RAY, RAYMOND, READING, READS LANDING, RED LAKE FALLS, RED WING, REDBY, REDLAKE, REDWOOD FALLS, REGAL, REMER, RENVILLE, REVERE, RICE, RICHFIELD, RICHMOND, RICHVILLE, RICHWOOD, RIVERTON, RL FALLS, ROBBINSDALE, ROCHERT, ROCHESTER, ROCK CREEK, ROCKFORD, ROCKVILLE, ROGERS, ROLLAG, ROLLINGSTONE, RONNEBY, ROOSEVELT, ROSCOE, ROSE CREEK, ROSEAU, ROSEMOUNT, ROSEVILLE, ROSS, ROTHSAY, ROUND LAKE, ROYALTON, RUSH CITY, RUSHFORD, RUSHFORD VILLAGE, RUSHFORD VLG, RUSHMORE, RUSSELL, RUTHTON, RUTLEDGE, S INTL FALLS, SABIN, SACRED HEART, SAGINAW, SAINT ANTHONY, SAINT AUGUSTA, SAINT BONIFACIUS, SAINT CHARLES, SAINT CLAIR, SAINT CLOUD, SAINT FRANCIS, SAINT HILAIRE, SAINT JAMES, SAINT JOSEPH, SAINT LEO, SAINT LOUIS PARK, SAINT MARTIN, SAINT MICHAEL, SAINT PAUL, SAINT PAUL PARK, SAINT PETER, SAINT STEPHEN, SAINT VINCENT, SALOL, SANBORN, SANDSTONE, SANTIAGO, SARGEANT, SARTELL, SAUK CENTRE, SAUK RAPIDS, SAUM, SAVAGE, SAWYER, SCANDIA, SCHROEDER, SEAFORTH, SEARLES, SEBEKA, SEDAN, SHAFER, SHAKOPEE, SHELLY, SHERBURN, SHEVLIN, SHOREVIEW, SIDE LAKE, SILVER BAY, SILVER CREEK, SILVER LAKE, SKYLINE, SLAYTON, SLEEPY EYE, SOBIESKI, SOLWAY, SOUDAN, SOUTH HAVEN, SOUTH INTERNATIONAL FALLS, SOUTH SAINT PAUL, SOUTH ST PAUL, SPICER, SPRING GROVE, SPRING HILL, SPRING LAKE, SPRING LAKE PARK, SPRING LK PK, SPRING PARK, SPRING VALLEY, SPRINGFIELD, SQUAW LAKE, ST BONIFACIUS, ST CROIX BCH, ST CROIX BEACH, ST LOUIS PARK, ST MARYS POINT, ST MARYS PT, ST PAUL PARK, ST ROSA, STACY, STANCHFIELD, STANTON, STAPLES, STARBUCK, STEEN, STEPHEN, STEWART, STEWARTVILLE, STILLWATER, STOCKTON, STORDEN, STRANDQUIST, STRATHCONA, STURGEON LAKE, SUNBURG, SUNFISH LAKE, SVEA, SWAN RIVER, SWANVILLE, SWATARA, SWIFT, TACONITE, TALMOON, TAMARACK, TAOPI, TAUNTON, TAYLORS FALLS, TENNEY, TENSTRIKE, THEILMAN, THIEF RIVER FALLS, THIEF RVR FLS, TINTAH, TOFTE, TOGO, TOIVOLA, TOWER, TRACY, TRAIL, TRIMONT, TROSKY, TRUMAN, TURTLE RIVER, TWIG, TWIN LAKES, TWIN VALLEY, TWO HARBORS, TYLER, ULEN, UNDERWOOD, UPSALA, UTICA, VADNAIS HEIGHTS, VADNAIS HTS, VERDI, VERGAS, VERMILLION, VERNDALE, VERNON CENTER, VESELI, VESTA, VICTORIA, VIKING, VILLARD, VINING, VIOLA, VIRGINIA, W LAKELAND, W SAINT PAUL, W ST PAUL, WABASHA, WABASSO, WACONIA, WADENA, WAHKON, WAITE PARK, WALDORF, WALKER, WALNUT GROVE, WALTERS, WALTHAM, WANAMINGO, WANDA, WANNASKA, WARBA, WARREN, WARROAD, WARSAW, WASECA, WASKISH, WATERTOWN, WATERVILLE, WATKINS, WATSON, WAUBUN, WAVERLY, WAWINA, WAYZATA, WEBSTER, WELCH, WELCOME, WELLS, WENDELL, WEST CONCORD, WEST LAKELAND, WEST SAINT PAUL, WEST ST PAUL, WEST UNION, WESTBROOK, WESTPORT, WHALAN, WHEATON, WHIPHOLT, WHITE BEAR LAKE, WHITE BEAR LK, WHITE BEAR TOWNSHIP, WHITE BEAR TP, WHITE EARTH, WILDER, WILLERNIE, WILLIAMS, WILLMAR, WILLOW RIVER, WILMONT, WILTON, WINDOM, WINGER, WINNEBAGO, WINONA, WINSTED, WINTHROP, WINTON, WIRT, WOLF LAKE, WOLVERTON, WOOD LAKE, WOODBURY, WOODSTOCK, WORTHINGTON, WRENSHALL, WRIGHT, WYKOFF, WYOMING, YOUNG AMERICA, ZIM, ZIMMERMAN, ZUMBRO FALLS & ZUMBROTA, MN. MN, WI, CA, NJ, AZ, SD, TN, CO, FL, GA, WA
Products & Services
According to information provided by Lend Smart Mortgage, they offer conventional, FHA, VA and USDA financing in addition to being approved to underwrite and fund down payment assistance loans for MHFA and other bonding agencies. They also offer construction to perm financing, 203K financing and other options.
Industry TipsAuto Repair and Services Financial Planning
11332 86th Ave N
Maple Grove, MN 55369 (952) 942-8502 Directions
2233 Hamline Avenue N
Roseville, MN 55113 Directions
3450 Lexington Ave N Ste 110
Shoreview, MN 55126 (651) 631-4919 Directions
5001 American Blvd W Ste 402
Bloomington, MN 55437 (763) 201-6900 Directions
5701 Kentucky Ave N Ste 104
Crystal, MN 55428 Directions
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Additional Phone Numbers
- (763) 201-6900(Phone)
- (612) 327-9306(Phone)
- (651) 631-4919(Phone)
Complaint Trends - Last 3 Years
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Read Complaint Details
Complaint: We feel the deal was nixed due to complaints on Lending officer I have worked with Jon **** of Lendsmart, Maple Grove, MN for two years and by following his advice we did not file deductions on our income taxes so we can show a good AGI income amount to qualify for a VA Loan. Spring of 2015 we contacted Jon **** and the process started. He was able to pre approve me for a VA Loan. Next process was contacting a realtor to start looking at properties. I found one in April and a purchase agreement was drawn up. The next step was to send documents to the Underwriters. When everything was turned in to the Underwriters the news came back that I was approved with conditions. All 8 conditions were met and then back to the Underwriters for a second review. While waiting for that, the listing agent started to badger Jon **** to the point that he had to send an email to her and make her stop sending him further emails. With that going on, everything seem to run smoothly until June 22nd. Jon wanted wanted me to do a conference call with a bank we had some loans with. That took place and was, I thought, settled as well as providing a letter of explanation. I was told that there was some late loan payments. My letter of explanation was that after 2 years of not being late, it would not happen again. Also, I was going to look into it which I have since found out that there is a possibility that one of the two late payments could have been processed late. I am still disputing that today. 2 weeks have since passed and according to Jon **** everything seemed fine and the only 2 things needed was homeowners insurance and transcripts of my 1099's because they were handwritten. Jon told me the transcripts came back and I was track with having homeowners insurance. July 10th a call came in to have a conference call. Because of the work I was doing a phone call had to take place. Jon **** told me the loan was denied to credit basis. However, I was, also, told that the listing agent and our agent for the property I was to purchase called corporate office and complained about Jon. My thing is, I feel that if we were denied the loan due to credit basis then it should have been denied on June 22nd. I find this too coincidental that that when the complaints came in? Then all of a sudden we were denied. Jon was asked when the denied decision came in and he stated it came in late July 9th and when asked for proof he did not provide it. He was asked when the complaint on him came in and he stated that it was the morning of July 10th. I strongly feel that I was denied, as a Veteran, a home due to the complaint on Jon **** and Lendsmart used my credit basis as an excuse to nix the deal. And now I am having to deal with a huge 2013 and 2014 tax bill. As well as my credit score taking a hit for each time Lendsmart asked for a credit inquiry. Other plans will be if this does not get settled some how will be to contact the Attorney General of MN.
Desired Settlement: I am seeking: All credit inquiries to be removed from all 3 credit bureaus. A portion or half of my Tax Bill paid
Business Response: Initial Business Response /* (1000, 8, 2015/09/15) */ The basis of this complaint is that the borrower's loan was denied after receiving complaints from a third party involved with the transaction. One has to stop and think how almost impossible this is in a 100% commission business. To think that after working on a loan for months, investing dozens of man hours in the process, dealing with multiple parties and vendors, and overcoming hurdles; that anyone would purposely deny a loan because of how they were talked to on the phone is crazy. Why would we invest all of that time and then not get paid for it if we could? The originator and the company only get paid when we close loans. We deal with aggressive Real Estate Agents all the time. If we chose to not close loans every time someone got upset we would not be in business very long. The reality is that the borrower had a difficult file for multiple reasons. After overcoming multiple hurdles, the borrower needed an updated credit report to be pulled. When that report was pulled, it showed new late payments that were not part of the original underwrite. These new late payments were the reason for the denial. Credit was now unacceptable. The denial had absolutely nothing to do with anything else. We could not remove the credit pulls from the bureau's if we wanted to. The credit was pulled to apply for a loan and this can't be removed. Initial Consumer Rebuttal /* (3000, 10, 2015/09/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) The late payments we NOT in the underwrite. Also, found out that one payment was processed late. And very hard to believe that the denial was because of that report when back on June 22nd when that credit check was done, a conference call was made to the banker of those loans, as well as a letter of explanation was sent and that the second review after that came in as "ok" according to John ****'s email sent to Candy ****, the realtor we were using. Question: Why did Lendsmart not deny the loan AT THAT TIME?? But let us continue for TWO WEEKS to finish getting homeowners insurance and transcripts from the IRS. Also, I have contacted 2 people I know that were/are in the mortgage business and they find it fishy that the denial was 100% denied due to the lates after not being late for 2 years on anything. A lot of time and energy was not only put on Lendsmart but on us too.. Wages were lost due to all this. No need to respond to this.. I will be filing a complaint with the Attorney General of MN and talking to a personal Attorney.