Mortgage company · complaint record
Is Defy Mortgage legit?
Filed under Defy Mortgage, LLC
Defy Mortgage is a real mortgage company with a public complaint record: 1 complaint since 2026, and it is still answering them. It answered 0% on time and closed - 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 0% 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
- 1
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- -
- Last 30 days
- 0
- Rank
- #365 of 595
Since May 2026
new vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: May 29, 2026
Most complained-about mortgage lenders & servicers
How to check Defy Mortgage 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 Defy Mortgage, 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 Defy Mortgage
AllHave you dealt with Defy Mortgage? Tell people whether it was legit in your experience.
Share yoursQuestions people ask
Is Defy Mortgage a real company?
Defy Mortgage is a real mortgage company with a public complaint record: 1 complaint since 2026, and it is still answering them. It answered 0% on time and closed - 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 Defy Mortgage a scam?
Its record shows a real mortgage company that answers complaints through the official process (0% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Defy Mortgage, 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 Defy Mortgage?
Look at the trend and the answers rather than the total: Defy Mortgage closed - 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 Defy Mortgage 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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