Mortgage company · complaint record
Is Calm legit?
Filed under CALM, Inc.
Calm is a real mortgage company with a public complaint record: 5 complaints since 2013, though none recently. It answered 60% on time and closed 50% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Rated once a company has 25+ complaints in 12 months. How it works
What the record shows
Good signs
Not enough on record to call any out yet.
Red flags
- Slow to answerOnly 60% of complaints answered on time.
From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.
- Complaints on record
- 5
- Last 12 months
- 0
- Answered on time
- 60%
- Closed with relief
- 50%
- Last 30 days
- 0
- Rank
- -
Since May 2013
new vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Jan 30, 2021
How to check Calm yourself
- Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
- Check its licence. Lenders, servicers and money transmitters are usually licensed by the states - search NMLS Consumer Access and your state's financial regulator.
- Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
- Read people's own experiences. See what others say about Calm, and add yours.
- Get everything in writing before you pay, sign or share anything.
More: how to check if a company is legit · how to spot financial scams
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.
General information, not legal advice; rules vary by state. Plain-English guides
Experiences with Calm
AllHave you dealt with Calm? Tell people whether it was legit in your experience.
Share yoursQuestions people ask
Is Calm a real company?
Calm is a real mortgage company with a public complaint record: 5 complaints since 2013, though none recently. It answered 60% on time and closed 50% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Is Calm a scam?
Its record shows a real mortgage company that answers complaints through the official process (60% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Calm, hang up or delete the message and contact the company using details you found yourself. 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.
Can I trust Calm?
Look at the trend and the answers rather than the total: Calm closed 50% of complaints with relief and complaints are too new to show a trend. Read the experiences from people like you.
What should I do if Calm won't fix my problem?
Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.
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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