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Data / Consumer complaints / Independence Home Loans LLC / Mortgage

Independence Home Loans LLC: 56 CFPB complaints about mortgage, last 3 years

Independence Home Loans LLC drew 56 consumer complaints about mortgage in the CFPB database in the three years to November 6, 2026, 98.2% of its 57 complaints in that time. The most common issue was “Applying for a mortgage or refinancing an existing mortgage”. The company responded on time to 91.1% of them, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 56Complaints, last 3 years
  • 98.2%Share of the company's complaints
  • 91.1%Responded on time
  • 0.0%Closed with relief
  • Oct 21, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20263460.7%
12 months to Nov 6, 20251933.9%
12 months to Nov 6, 202435.4%

Issues

IssueComplaintsShare
Applying for a mortgage or refinancing an existing mortgage3969.6%
Closing on a mortgage1221.4%
Trouble during payment process58.9%

How the company responded

Company responseComplaintsShare
Closed with explanation5598.2%
Untimely response11.8%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Colorado58.9%
Ohio58.9%
Florida47.1%
Georgia47.1%
Virginia47.1%
California35.4%
Iowa35.4%
Alaska23.6%
Hawaii23.6%
Minnesota23.6%
North Carolina23.6%
New Jersey23.6%
Nevada23.6%
South Carolina23.6%
Tennessee23.6%
Alabama11.8%
Arkansas11.8%
Arizona11.8%
Idaho11.8%
Indiana11.8%
Maryland11.8%
Michigan11.8%
Missouri11.8%
Mississippi11.8%
Washington11.8%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 21, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
October 20, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
October 14, 2026MortgageClosing on a mortgageUntimely responseconsumerfinance.gov
October 12, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
September 22, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
September 15, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
August 13, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
August 2, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
July 28, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 13, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
July 6, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
July 3, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
May 14, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
May 4, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
April 23, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
April 21, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
April 14, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
April 3, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
April 2, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
March 9, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
February 16, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
February 6, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
February 4, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
February 3, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
January 27, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.