I received a letter from Loan Depot offering a mortgage refinance. I called the company and spoke with XXXX XXXX who took my information and ran a credit report. He told me that I qualified for the mortgage and sent an email with rate and payment details. 

When I asked for a copy of the Good Faith Estimate and other Truth in Lending documents, XXXX XXXX said that Load Depot did not provide them unless I agreed to lock the rate, which would involve paying for an appraisal ( {$390.00} ). As I understand the law, the lender is required to provide TILA documents within three days of the application. I made the application to Loan Depot on XXXX XXXX. 

I subsequently made a second request for the disclosures and never received a reply. 

Contact information for the company is Load Depot, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX 
