Share your experienceShare
Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

Mortgages

Mortgages complaints Mortgage lenders & servicers ranked

Consumers filed 33,928 complaints about mortgage lenders & servicers in the last 12 months (+44% on the year before). Escrow mistakes, payments misapplied, loan modifications, foreclosure and trouble refinancing. The most complained-about is Shellpoint Mortgage Servicing.

Last 12 months
33,928

+44%

Last 30 days
1,783
Answered on time
96%

Across every company

Closed with relief
5%

Money back or a fix

Money back
1.8%

Of closed complaints

Companies
2,554

With complaints on record

Most complained-about mortgage lenders & servicers

#Company12 monthsChangeOn timeReliefAll time
1Shellpoint Mortgage Servicing3,741+17%81.4%0%17,690
2Rocket Mortgage3,572+499%99.9%0%8,475
3Freedom Mortgage1,701+50%99.4%0%9,327
4Ocwen Financial1,514+44%100%1%35,815
5Wells Fargo1,187-8%100%9%49,962
6PennyMac1,157+86%99.9%13%5,470
7Select Portfolio Servicing1,130+34%99.9%0%15,278
8Carrington Mortgage Services1,081+124%99.7%0%6,641
9Selene967+53%100%0%3,082
10LoanCare862+107%100%0%7,382
11Mr. Cooper757-64%100%0%13,321
12JPMorgan Chase734+43%100%2%25,884
13U.S. Bank661+71%100%34%9,159
14United Wholesale Mortgage (UWM)605+65%98.7%1%2,149
15Bank of America585+17%99.8%17%48,545
16M&T Bank575+74%100%12%4,402
17CrossCountry Mortgage519+143%90.9%20%1,498
18Planet Home Lending490+93%100%0%1,744
19Lakeview Loan Servicing462+83%100%0%2,839
20Truist459+58%99.8%18%3,004
21PNC Bank418+39%100%5%7,556
22Fifth Third Bank416+105%100%9%3,518
23Fay Servicing343-21%99.7%0%3,726
24MidFirst Bank339+113%100%22%1,456
25RoundPoint Mortgage Servicing306+12%98%0%2,834

Most likely to give relief

Least likely to give relief

Mortgages complaints by month

What people complain about

Mortgages complaints by state

ALAKAZARCACOCTDEDCFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPAPRRISCSDTNTXUTVTVAWAWVWIWY
Per 100,000 people, last 12 monthsFewerMore

Your rights with mortgage lenders & servicers

Your mortgage servicer must correct errors you report in a written notice of error and answer written requests for information, usually within 30 business days. It must apply payments on the day they arrive, and it generally cannot start foreclosure until you are more than 120 days behind or while a complete loss-mitigation application is pending.

Scam warning: Be careful of anyone who charges up front to save your home, tells you to stop paying your servicer, or asks you to sign over the deed. HUD-approved housing counselors help for free.

General information, not legal advice; rules vary by state. Plain-English guides

Guides

Loans & mortgagesMortgage servicer problems and how to fix themFix escrow errors, misapplied payments and transfer problems with your mortgage servicer, and know your foreclosure protections.8 min readFiling a complaintHow to file a complaint against a bank or financial companyGather records, complain in writing, then escalate to the right regulator if the company does not fix it.8 min readFiling a complaintCompany response types explainedWhat each complaint response label means, why "closed" is not always "fixed", and how to read a company's record.7 min read

Talk about mortgage lenders & servicers

Be kind and stick to facts. No account numbers or other people's details. Rules

No comments yet. Start the conversation - questions are welcome too.

Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience