Mortgage company · complaint record
21ST Mortgage complaints
Filed under 21ST MORTGAGE CORP.
Consumers have filed 1,144 complaints about 21ST Mortgage since 2012, 193 of them in the last 12 months (+25% on the year before). It answered 97.9% on time and closed 0% with relief for the customer - less often than a typical mortgage company. The most common problem is struggling to pay mortgage. It is the 27th most complained-about of 595 mortgage lenders & servicers this year.
Weak response record. How it works
- Complaints on record
- 1,144
- Last 12 months
- 193
- Answered on time
- 97.9%
- Closed with relief
- 0%
- Last 30 days
- 9
- Rank
- #27 of 595
Since March 2012
+25% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Oct 30, 2026
Most complained-about mortgage lenders & servicers
21ST Mortgage complaints by month
The busiest month was December 2025 (23 complaints). Complaints in the last 12 months are up 25% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How 21ST Mortgage answered last 12 months
- Closed with explanation193100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time36/4597.9% on time
- Relief for customers0/400% closed with relief
- Complaint trend7/15+25% vs last year
What 21ST Mortgage complaints are about
Top 21ST Mortgage problems last 12 months
Inside "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 88
- Foreclosure 31
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu 26
- An existing modification, forbearance plan, short sale, or other loss mitigation relief 9
Where 21ST Mortgage complaints come from
Most complaints: Texas (209), Florida (113), California (80), Georgia (61), Louisiana (59).
21ST Mortgage compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | GuildMortgages | 47 | 239 | D |
| 2 | Valon TechnologiesMortgages | 37 | 215 | D |
| 3 | Broker SolutionsMortgages | 50 | 203 | C |
| 4 | 21ST MortgageMortgages | 43 | 193 | D |
| 5 | BSI FinancialMortgages | 55 | 189 | C |
| 6 | Dovenmuehle MortgageMortgages | 50 | 185 | C |
| 7 | Mortgage Research CenterMortgages | 46 | 160 | D |
| 8 | AmeriSave MortgageMortgages | 65 | 156 | B |
Compare side by side: 21ST Mortgage vs Guild · 21ST Mortgage vs Valon Technologies · 21ST Mortgage vs Broker Solutions · 21ST Mortgage vs BSI Financial
What people say about 21ST Mortgage
All experiencesNo experiences with 21ST Mortgage yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest 21ST Mortgage complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Oct 30, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 29, 2026 | Mortgages | Struggling to pay mortgageAn existing modification, forbearance plan, short sale, or other loss mitigation relief | Explained |
| Oct 22, 2026 | Credit reporting | Improper use of your reportReceived unsolicited financial product or insurance offers after opting out | Explained |
| Oct 22, 2026 | Mortgages | Struggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | Explained |
| Oct 20, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | Explained |
| Oct 20, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 19, 2026 | Mortgages | Struggling to pay mortgageAn existing modification, forbearance plan, short sale, or other loss mitigation relief | Explained |
| Oct 17, 2026 | Mortgages | Struggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | Explained |
| Oct 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Oct 11, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Oct 10, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
Questions about 21ST Mortgage
How many complaints does 21ST Mortgage have?
21ST Mortgage has 1,144 complaints on record since March 2012, including 193 in the last 12 months and 9 in the last 30 days. That makes it number 342 of every company by complaints this year.
Does 21ST Mortgage respond to complaints?
Yes. 21ST Mortgage answered 97.9% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 43/100 (grade D).
What do people complain about most with 21ST Mortgage?
The most common problems are struggling to pay mortgage (300), trouble during payment process (229), incorrect information on your report (71).
Is 21ST Mortgage legit?
21ST Mortgage is a real company with a public complaint record: consumers have complained about it 1,144 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is 21ST Mortgage legit? for the signals, red flags and how to protect yourself.
Are complaints about 21ST Mortgage going up or down?
Up. There were 193 complaints in the last 12 months against 154 in the 12 before (+25%). See every month.
How do I file a complaint against 21ST Mortgage?
Complain to 21ST Mortgage in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most 21ST Mortgage complaints come from?
Most come from Texas (209), Florida (113), California (80). Big states file more complaints, so the map shows complaints per 100,000 people.
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
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