Total CFPB mortgage complaint records
46
Institution profile
RUOFF MTG
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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 |
|---|---|
| 2015 | 1 |
| 2016 | 2 |
| 2017 | 2 |
| 2018 | 1 |
| 2020 | 7 |
| 2021 | 10 |
| 2022 | 5 |
| 2023 | 2 |
| 2024 | 1 |
| 2025 | 7 |
| 2026 | 8 |
Leading issues
Applying for a mortgage or refinancing an existing mortgage
None
10
Trouble during payment process
None
7
Closing on a mortgage
None
5
Application, originator, mortgage broker
None
2
Loan servicing, payments, escrow account
None
2
View all issues (22)
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
2
Trouble during payment process
Loan sold or transferred to another company
2
Trouble during payment process
Trying to communicate with the company to fix an issue while managing or servicing your loan
2
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
1
Closing on a mortgage
Closing disclosure or other related disclosures
1
Closing on a mortgage
Fees or costs after closing
1
Closing on a mortgage
Trying to communicate with the company to fix an issue with the loan closing
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
Account status incorrect
1
Problem with a company's investigation into an existing problem
Investigation took more than 30 days
1
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
1
Struggling to pay mortgage
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
1
Struggling to pay mortgage
Foreclosure
1
Struggling to pay mortgage
None
1
Trouble during payment process
Escrow, taxes, or insurance
1
Trouble during payment process
Payment process
1
States
Indiana
26
Ohio
7
Michigan
6
California
2
Pennsylvania
2
View all states (8)
Illinois
1
Kentucky
1
Maine
1
Company response
Closed with explanation
41
Closed with monetary relief
3
Closed
1
Closed with non-monetary relief
1
Timely response
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
45
No
1
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.