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Data / Consumer complaints / Mortgage

Mortgage: 78,806 CFPB complaints in the last 3 years, by company

The CFPB database lists 78,806 consumer complaints about mortgage in the three years to November 6, 2026, against 1,247 companies. Shellpoint Partners, LLC has the largest count, 9,356, which is 11.9% of the product's complaints. Companies responded on time to 97.6% of them, and 4.6% closed with monetary or other relief. A count is not a rate: a company with more customers draws more complaints.

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.

Get every company with more than 100 complaintsWatch this productGet mortgage in California
  • 78,806Complaints, last 3 years
  • 1,247Companies
  • 97.6%Responded on time
  • 4.6%Closed with relief
  • Nov 5, 2026Latest received

Companies by complaints

Ranked by the number of complaints, with each company's share of this product's complaints. Counts only: a larger company can draw more complaints.

CompanyComplaintsShareResponded on timeClosed with relief
Shellpoint Partners, LLC9,35611.9%92.4%0.3%
Mr. Cooper Group Inc.5,0516.4%99.9%0.3%
Rocket Mortgage, LLC4,4305.6%99.9%0.6%
Wells Fargo & Company3,9845.1%100%6.9%
Freedom Mortgage Company3,7134.7%99.5%0.1%
Ocwen Financial Corporation3,5614.5%99.9%0.8%
Select Portfolio Servicing, Inc.2,9123.7%99.9%0%
Pennymac Loan Services, LLC.2,1922.8%99.9%12.3%
Selene Holdings LLC2,0062.5%99.9%0%
Carrington Mortgage Services, LLC1,9552.5%99.8%0%
JPMorgan Chase & Co.1,7282.2%100%2.1%
LoanCare, LLC1,7212.2%98.6%0%
Bank of America, National Association1,5912%99.9%17.3%
U.S. Bancorp1,4141.8%100%33.9%
United Shore Financial Services, LLC1,1931.5%99.2%1.2%
Fay Servicing, LLC1,1761.5%99.9%0%
M&T Bank Corporation1,1191.4%100%10.8%
Truist Financial Corporation1,0851.4%99.9%17.8%
PNC Bank N.A.1,0531.3%100%7.4%
Lakeview Loan Servicing, LLC1,0341.3%99.9%0.1%
RoundPoint Mortgage Servicing LLC9601.2%98.9%0%
CrossCountry Mortgage LLC9451.2%95.4%14%
Planet Home Lending, LLC9241.2%100%0%
Fifth Third Financial Corporation8401.1%100%10.1%
Navy Federal Credit Union7491%100%25.2%
New York Community Bancorp Inc7240.9%100%1%
Citizens Financial Group, Inc.7170.9%100%4.5%
Midfirst Bank6350.8%100%19.8%
LD Holdings Group, LLC6300.8%97.9%0%
Village Capital & Investment LLC5520.7%99.5%0.4%
AmeriHome Mortgage Company, LLC5430.7%100%11.4%
CMG Financial Services, Inc.4620.6%98.5%0%
BSI Financial Holdings, Inc.4430.6%99.8%0%
Servicemac, LLC3890.5%100%8%
Valon Technologies, Inc.3660.5%98.6%0.5%
Dovenmuehle Mortgage, Inc.3590.5%99.7%0.3%
Broker Solutions, Inc.3540.4%98.6%0.3%
SN Servicing Corporation3260.4%99.7%0%
Amerisave Mortgage Corporation3250.4%95.7%14.5%
21st Mortgage Corp.3240.4%98.5%0%
Specialized Loan Servicing Holdings LLC3170.4%100%0%
TD Bank US Holding Company3040.4%100%33.9%
Guild Holdings Company2870.4%98.3%3.5%
Mortgage Research Center, LLC2770.4%100%0%
Huntington National Bank, the2740.3%100%37.6%
Regions Financial Corporation2440.3%100%18.9%
Peer Advisors, LLC2320.3%96.1%0%
Vanderbilt Mortgage & Finance, Inc2260.3%99.6%1.3%
Data Mortgage Inc.2190.3%100%0%
Idaho Housing And Finance Association2050.3%100%0%
Guaranteed Rate Inc.1950.2%99.5%0.5%
BMO Bank National Association1830.2%100%21.9%
Movement Mortgage LLC1830.2%100%0.5%
Pentagon Federal Credit Union1670.2%100%28.7%
Keycorp1640.2%100%28.7%
Lennar Financial Services, LLC1540.2%99.4%0%
Citibank, N.A.1450.2%100%24.1%
Cardinal Financial Company, Limited Partnership1430.2%100%13.3%
FourLeaf Federal Credit Union1380.2%100%0%
Santander Holdings USA, Inc.1370.2%100%2.2%
Mortgage Solutions of Colorado1240.2%100%0%
FCI Lender Services Inc.1200.2%100%0%
Paramount GR Holdings, LLC1190.2%97.5%0.8%
Figure Technologies, Inc1170.1%100%0%
Finance of America Holdings LLC1120.1%93.8%0%
Union Home Mortgage Corp1100.1%100%11.8%
SoFi Technologies, Inc.1090.1%100%11.9%
United Services Automobile Association1030.1%100%5.8%
Bank of New York Mellon Corporation, the1000.1%94%0%
Real Time Group, Inc.990.1%98%0%
Better Mortgage, Inc.980.1%56.1%6.1%
NVR Inc.960.1%100%0%
Click n' Close, Inc.920.1%97.8%4.3%
Ameris Bancorp880.1%98.9%0%
Mutual of Omaha Mortgage, LLC880.1%100%0%
Fairway Independent Mortgage Corporation870.1%100%1.1%
State Employees’ Credit Union840.1%97.6%0%
Solar Mosaic LLC840.1%70.2%0%
Discover Bank830.1%100%26.5%
Sun West Mortgage Company, Inc.830.1%100%0%
Aspen Yo LLC820.1%65.9%3.7%
HSBC North America Holdings Inc.780.1%100%0%
Statebridge Company770.1%98.7%0%
Arvest Bank Group, Inc.760.1%100%6.6%
Alliant Credit Union690.1%100%7.2%
WSFS Financial Corporation690.1%100%0%
First National Bank of Pennsylvania680.1%98.5%14.7%
Land Home Financial Services680.1%95.6%0%
Triad Financial Services, Inc.670.1%95.5%9%
Nexus Nova LLC660.1%98.5%0%
Chrysalis Holdings LLC650.1%100%1.5%
DHI Mortgage Company650.1%100%15.4%
Longbridge Financial, LLC650.1%100%0%
Southstate Bank Corporation640.1%98.4%15.6%
TFS Financial Corporation640.1%100%0%
Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)630.1%100%0%
MortgagePros, LLC610.1%100%0%
Acra Intermediate Holdings, LLC600.1%98.3%15%
Associated Banc-Corp590.1%100%0%
BOK Financial Corp570.1%100%3.5%

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, 202633,83442.9%
12 months to Nov 6, 202523,42629.7%
12 months to Nov 6, 202421,54627.3%

Issues

IssueComplaintsShare
Trouble during payment process40,45351.3%
Struggling to pay mortgage20,41825.9%
Applying for a mortgage or refinancing an existing mortgage7,88510%
Closing on a mortgage5,9957.6%
Incorrect information on your report2,3263%
Problem with a company's investigation into an existing problem1,2891.6%
Improper use of your report2650.3%
Credit monitoring or identity theft protection services950.1%
Unable to get your credit report or credit score490.1%
Problem with fraud alerts or security freezes310.1%

Sub-products

Sub-productComplaintsShare
Conventional home mortgage44,03455.9%
FHA mortgage15,96020.3%
VA mortgage8,39610.7%
Home equity loan or line of credit (HELOC)5,4857%
Other type of mortgage2,2702.9%
Reverse mortgage9641.2%
Manufactured home loan8781.1%
USDA mortgage8191%

How companies responded

Company responseComplaintsShare
Closed with explanation72,59592.1%
Closed with non-monetary relief2,2122.8%
In progress1,7542.2%
Closed with monetary relief1,4321.8%
Untimely response8131%

States

StateComplaintsShare
California9,59912.2%
Florida8,39510.7%
Texas7,2769.2%
Georgia4,3315.5%
New York3,6954.7%
Illinois2,9303.7%
Pennsylvania2,8783.7%
New Jersey2,6863.4%
Maryland2,6383.3%
North Carolina2,5783.3%
Virginia2,4313.1%
Ohio2,0512.6%
Michigan1,9152.4%
Arizona1,7672.2%
Colorado1,6352.1%
Washington1,6122%
South Carolina1,5211.9%
Tennessee1,4771.9%
Massachusetts1,3021.7%
Louisiana1,2851.6%
Alabama1,1141.4%
Indiana1,0521.3%
Missouri1,0521.3%
Connecticut9181.2%
Minnesota8951.1%

Latest 50 complaints

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

ReceivedCompanyIssueCompany responseSource
November 5, 2026TransUnion Intermediate Holdings, Inc.Struggling to pay mortgageIn progressconsumerfinance.gov
November 5, 2026Santander Holdings USA, Inc.Trouble during payment processIn progressconsumerfinance.gov
November 5, 2026Regions Financial CorporationApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
November 5, 2026Volunteer Mortgage Loan ServicingStruggling to pay mortgageClosed with explanationconsumerfinance.gov
November 5, 2026Broker Solutions, Inc.Closing on a mortgageClosed with explanationconsumerfinance.gov
November 5, 2026Idaho Housing And Finance AssociationTrouble during payment processIn progressconsumerfinance.gov
November 5, 2026Freedom Mortgage CompanyIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 5, 2026Ocwen Financial CorporationTrouble during payment processIn progressconsumerfinance.gov
November 4, 2026Idaho Housing And Finance AssociationStruggling to pay mortgageIn progressconsumerfinance.gov
November 4, 2026Navy Federal Credit UnionStruggling to pay mortgageIn progressconsumerfinance.gov
November 4, 2026Gateway First BankStruggling to pay mortgageClosed with explanationconsumerfinance.gov
November 4, 2026PNC Bank N.A.Trouble during payment processIn progressconsumerfinance.gov
November 4, 2026Guild Holdings CompanyStruggling to pay mortgageIn progressconsumerfinance.gov
November 4, 2026Navy Federal Credit UnionStruggling to pay mortgageIn progressconsumerfinance.gov
November 3, 2026BOK Financial CorpStruggling to pay mortgageIn progressconsumerfinance.gov
November 3, 2026Mega Capital Funding Inc.Trouble during payment processIn progressconsumerfinance.gov
November 3, 2026PNC Bank N.A.Trouble during payment processIn progressconsumerfinance.gov
November 3, 2026JPMorgan Chase & Co.Trouble during payment processClosed with explanationconsumerfinance.gov
November 3, 2026Boeing Employees' Credit UnionApplying for a mortgage or refinancing an existing mortgageIn progressconsumerfinance.gov
November 3, 2026Guild Holdings CompanyStruggling to pay mortgageIn progressconsumerfinance.gov
November 3, 2026BSI Financial Holdings, Inc.Trouble during payment processClosed with explanationconsumerfinance.gov
November 3, 2026Lennar Financial Services, LLCProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
November 3, 2026Kind Holdings, LLCTrouble during payment processIn progressconsumerfinance.gov
November 3, 2026Shellpoint Partners, LLCTrouble during payment processIn progressconsumerfinance.gov
November 3, 2026Seacoast Banking Corporation of FloridaTrouble during payment processClosed with non-monetary reliefconsumerfinance.gov
November 2, 2026Shellpoint Partners, LLCTrouble during payment processClosed with explanationconsumerfinance.gov
November 2, 2026Ocwen Financial CorporationStruggling to pay mortgageClosed with explanationconsumerfinance.gov
November 2, 2026Freedom Mortgage CompanyTrouble during payment processClosed with explanationconsumerfinance.gov
November 2, 2026Rocket Mortgage, LLCStruggling to pay mortgageClosed with explanationconsumerfinance.gov
November 2, 2026Ocwen Financial CorporationTrouble during payment processIn progressconsumerfinance.gov
November 2, 2026Columbia Banking System, Inc.Struggling to pay mortgageClosed with explanationconsumerfinance.gov
November 2, 2026PNC Bank N.A.Struggling to pay mortgageIn progressconsumerfinance.gov
November 2, 2026TransUnion Intermediate Holdings, Inc.Applying for a mortgage or refinancing an existing mortgageIn progressconsumerfinance.gov
November 2, 2026Experian Information Solutions Inc.Applying for a mortgage or refinancing an existing mortgageIn progressconsumerfinance.gov
November 1, 2026BOK Financial CorpTrouble during payment processIn progressconsumerfinance.gov
November 1, 2026Unlock Technologies, Inc.Trouble during payment processIn progressconsumerfinance.gov
November 1, 2026JPMorgan Chase & Co.Trouble during payment processClosed with explanationconsumerfinance.gov
November 1, 2026Truist Financial CorporationApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
November 1, 2026Vanderbilt Mortgage & Finance, IncTrouble during payment processIn progressconsumerfinance.gov
November 1, 2026Navy Federal Credit UnionTrouble during payment processIn progressconsumerfinance.gov
November 1, 2026CMG Financial Services, Inc.Trouble during payment processClosed with explanationconsumerfinance.gov
October 31, 2026Ocwen Financial CorporationTrouble during payment processIn progressconsumerfinance.gov
October 31, 2026Statebridge CompanyStruggling to pay mortgageIn progressconsumerfinance.gov
October 31, 2026Rocket Mortgage, LLCTrouble during payment processClosed with explanationconsumerfinance.gov
October 31, 2026Fulton Financial CorporationApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
October 31, 2026Zions BancorporationClosing on a mortgageClosed with explanationconsumerfinance.gov
October 31, 2026M&T Bank CorporationTrouble during payment processClosed with explanationconsumerfinance.gov
October 31, 2026Select Portfolio Servicing, Inc.Trouble during payment processClosed with explanationconsumerfinance.gov
October 31, 2026Rocket Mortgage, LLCTrouble during payment processClosed with explanationconsumerfinance.gov
October 31, 2026Movement Mortgage LLCTrouble during payment processClosed 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.