Sharon was the agent that took our application at Union Savings Bank. She told as that we could refinance our home and use the large amount of equity we to get an equity loan to pay bills of at a good rate. after providing all of the paper work and income verification she told us that the fee would be $500 to start the process, $250 to lock the rate and $250 for the application fee. two weeks later after calling her several times to get a few answers form he we received a check for $250 with a letter stating that we did not meet their criteria and they were denying the loan. why would she offer us to take out a home equity loan and refinance the home without checking what we would quilified for ? this is very dishonest and people need to be aware of this unethical practices.