Total CFPB mortgage complaint records
532
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MORTGAGE RESEARCH CTR LLC
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CFPB Mortgage Complaint Activity
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Coverage start
December 1, 2012
Data through
August 20, 2026
Annual activity
| Year | Complaint records |
|---|---|
| 2012 | 1 |
| 2014 | 7 |
| 2015 | 10 |
| 2016 | 12 |
| 2017 | 20 |
| 2018 | 18 |
| 2019 | 25 |
| 2020 | 41 |
| 2021 | 54 |
| 2022 | 65 |
| 2023 | 59 |
| 2024 | 43 |
| 2025 | 87 |
| 2026 | 90 |
Leading issues
Applying for a mortgage or refinancing an existing mortgage
None
99
Trouble during payment process
None
70
Closing on a mortgage
None
58
Trouble during payment process
Escrow, taxes, or insurance
44
Struggling to pay mortgage
None
24
View all issues (40)
Closing on a mortgage
Closing disclosure or other related disclosures
21
Application, originator, mortgage broker
None
19
Struggling to pay mortgage
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
16
Trouble during payment process
Payment process
16
Closing on a mortgage
Delays with the closing process
14
Struggling to pay mortgage
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
12
Applying for a mortgage or refinancing an existing mortgage
Confusing or misleading advertising or marketing
11
Closing on a mortgage
Changes in loan terms during or after closing
11
Loan servicing, payments, escrow account
None
10
Trouble during payment process
Trying to communicate with the company to fix an issue while managing or servicing your loan
10
Applying for a mortgage or refinancing an existing mortgage
Application denials
9
Closing on a mortgage
Fees or costs after closing
9
Applying for a mortgage or refinancing an existing mortgage
Trying to communicate with the company to fix an issue with the application process
8
Struggling to pay mortgage
An existing modification, forbearance plan, short sale, or other loss mitigation relief
7
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
6
Credit decision / Underwriting
None
6
Struggling to pay mortgage
Foreclosure
6
Trouble during payment process
Loan sold or transferred to another company
6
Trouble during payment process
Interest rate
5
Applying for a mortgage or refinancing an existing mortgage
Negative impact of inaccurate appraisal
4
Closing on a mortgage
Trying to communicate with the company to fix an issue with the loan closing
4
Settlement process and costs
None
4
Applying for a mortgage or refinancing an existing mortgage
Delays in the application process
3
Applying for a mortgage or refinancing an existing mortgage
Fees or costs during the application process
3
Incorrect information on your report
Account status incorrect
3
Trouble during payment process
Paying off the loan
3
Applying for a mortgage or refinancing an existing mortgage
Loan estimate or other related disclosures
2
Trouble during payment process
Fees charged
2
Closing on a mortgage
Setting up an escrow account for taxes and insurance
1
Improper use of your report
Credit inquiries on your report that you don't recognize
1
Incorrect information on your report
Account information incorrect
1
Problem with a company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
1
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
1
Trouble during payment process
Private mortgage insurance (PMI)
1
Unable to get your credit report or credit score
Other problem getting your report or credit score
1
States
Florida
50
Texas
40
Georgia
29
North Carolina
28
Virginia
24
View all states (48)
California
23
Maryland
20
Pennsylvania
19
Michigan
18
Indiana
17
Missouri
16
Louisiana
15
Arizona
14
Ohio
14
Washington
14
Illinois
13
Tennessee
13
Alabama
12
New Jersey
12
None
12
Colorado
11
Wisconsin
11
South Carolina
10
Kentucky
9
New York
8
Arkansas
7
New Mexico
6
Oklahoma
6
Oregon
6
Hawaii
5
Iowa
5
Minnesota
5
Connecticut
4
Maine
4
Mississippi
4
Nevada
4
New Hampshire
4
Kansas
3
South Dakota
3
Vermont
3
Alaska
2
Delaware
2
West Virginia
2
District of Columbia
1
Idaho
1
Montana
1
North Dakota
1
Rhode Island
1
Company response
Closed with explanation
525
Closed with monetary relief
4
Closed with non-monetary relief
2
Closed
1
Timely response
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
532
How to read these figures
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. US Mortgage Index does not treat complaint allegations as independently verified facts.