We had a mortgage with OCWEN mortgage that got sold to Flagstar in 2015. We wanted to refinance in 2022 and started the process. On the phone it was all professional and peaches and cream. We started on 9/15/22 and we decided to hedge our refinance bet by also talking to an independent mortgage broker at Imperium Mortgage. They promised to close within 10 days with less hassle than what we were getting with Flagstar Bank and it was true. We closed on 9/28/22 with Imperium at a better rate by 1/2 a point and it went as planned. I immediately notified the Flagstar representative in writing (e-mail) that we closed on a loan and did not need their services anymore. We didn't hear from them until today, 10/22/2022, when we got a letter telling us they were declining our loan application. I immediately made a copy of the e-mail I sent them on 9/28 telling them their services were no longer needed and sent it with a letter telling them to correct this error with the credit bureaus. Avoid this bank like the plague.