I was approved for a loan and was on the phone with a customer service rep. My score was over 730 and I sent in all of the required docs. Then, directly after getting off of the phone,
I received an email saying that I was denied for the loan. A very poor explanation. Company said that my rate and activity changed from the time that they did a "soft pull" versus a hard pull.
Very very shady and very unwilling to help or admit that possibly they were at fault.