Total CFPB mortgage complaint records
6,860
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Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Total CFPB mortgage complaint records
6,860
Coverage start
December 1, 2012
Data through
August 20, 2026
| Year | Complaint records |
|---|---|
| 2012 | 96 |
| 2013 | 908 |
| 2014 | 931 |
| 2015 | 695 |
| 2016 | 635 |
| 2017 | 460 |
| 2018 | 482 |
| 2019 | 345 |
| 2020 | 321 |
| 2021 | 359 |
| 2022 | 391 |
| 2023 | 343 |
| 2024 | 324 |
| 2025 | 311 |
| 2026 | 259 |
Loan modification,collection,foreclosure
None
1,746
Trouble during payment process
None
1,291
Loan servicing, payments, escrow account
None
1,174
Struggling to pay mortgage
None
507
Applying for a mortgage or refinancing an existing mortgage
None
330
Application, originator, mortgage broker
None
237
Closing on a mortgage
None
214
Trouble during payment process
Trying to communicate with the company to fix an issue while managing or servicing your loan
148
Trouble during payment process
Escrow, taxes, or insurance
144
Settlement process and costs
None
134
Trouble during payment process
Payment process
130
Credit decision / Underwriting
None
89
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
81
Incorrect information on your report
Account status incorrect
53
Struggling to pay mortgage
Foreclosure
53
Struggling to pay mortgage
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
49
Other
None
45
Trouble during payment process
Fees charged
45
Trouble during payment process
Paying off the loan
42
Applying for a mortgage or refinancing an existing mortgage
Trying to communicate with the company to fix an issue with the application process
32
Struggling to pay mortgage
An existing modification, forbearance plan, short sale, or other loss mitigation relief
29
Trouble during payment process
Loan sold or transferred to another company
25
Applying for a mortgage or refinancing an existing mortgage
Application denials
24
Closing on a mortgage
Trying to communicate with the company to fix an issue with the loan closing
22
Incorrect information on your report
Account information incorrect
21
Applying for a mortgage or refinancing an existing mortgage
Confusing or misleading advertising or marketing
19
Applying for a mortgage or refinancing an existing mortgage
Delays in the application process
18
Trouble during payment process
Private mortgage insurance (PMI)
18
Trouble during payment process
Interest rate
17
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
14
Trouble during payment process
Lien release
11
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
10
Closing on a mortgage
Delays with the closing process
9
Closing on a mortgage
Changes in loan terms during or after closing
8
Incorrect information on your report
Information is missing that should be on the report
8
Closing on a mortgage
Closing disclosure or other related disclosures
7
Applying for a mortgage or refinancing an existing mortgage
Fees or costs during the application process
6
Applying for a mortgage or refinancing an existing mortgage
Loan estimate or other related disclosures
5
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
5
Closing on a mortgage
Fees or costs after closing
4
Problem with a company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
4
Problem with a company's investigation into an existing problem
Problem with personal statement of dispute
4
Problem with a company's investigation into an existing problem
Was not notified of investigation status or results
4
Applying for a mortgage or refinancing an existing mortgage
Negative impact of inaccurate appraisal
3
Incorrect information on your report
Public record information inaccurate
3
Problem with fraud alerts or security freezes
None
3
Credit monitoring or identity theft protection services
Billing dispute for services
2
Incorrect information on your report
Information belongs to someone else
2
Incorrect information on your report
Old information reappears or never goes away
2
Problem with a company's investigation into an existing problem
Investigation took more than 30 days
2
Closing on a mortgage
Setting up an escrow account for taxes and insurance
1
Credit monitoring or identity theft protection services
Received unwanted marketing or advertising
1
Improper use of your report
Credit inquiries on your report that you don't recognize
1
Improper use of your report
Reporting company used your report improperly
1
Incorrect information on your report
Personal information incorrect
1
Problem with a credit reporting 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
Problem with personal statement of dispute
1
California
715
Florida
601
Pennsylvania
511
Illinois
469
Maryland
466
New Jersey
444
Ohio
359
Texas
349
North Carolina
291
Georgia
270
Virginia
237
New York
234
Michigan
213
Arizona
145
Washington
137
Colorado
110
Massachusetts
100
None
98
Alabama
84
Indiana
80
South Carolina
72
District of Columbia
70
Kentucky
67
Oregon
67
Wisconsin
63
Missouri
60
Delaware
58
Connecticut
55
Tennessee
47
Nevada
45
Utah
36
Rhode Island
33
Minnesota
32
New Mexico
29
Hawaii
28
Louisiana
22
New Hampshire
22
Idaho
17
Iowa
17
Kansas
17
West Virginia
14
Oklahoma
12
Mississippi
11
Arkansas
10
Montana
10
Nebraska
8
Maine
7
Vermont
6
South Dakota
5
Alaska
2
Wyoming
2
North Dakota
1
PW
1
UNITED STATES MINOR OUTLYING ISLANDS
1
Closed with explanation
6,128
Closed
293
Closed with non-monetary relief
199
Closed with monetary relief
179
In progress
61
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
6,847
No
13
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.