Mortgage company · complaint record
E Mortgage Capital complaints
Filed under E Mortgage Capital, Inc.
Consumers have filed 62 complaints about E Mortgage Capital since 2020, 18 of them in the last 12 months (+38% on the year before). It answered 94.4% on time and closed 0% with relief for the customer. The most common problem is applying for a mortgage or refinancing an existing mortgage.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 62
- Last 12 months
- 18
- Answered on time
- 94.4%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #93 of 595
Since January 2020
+38% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Nov 12, 2026
Most complained-about mortgage lenders & servicers
E Mortgage Capital complaints by month
The busiest month was February 2026 (7 complaints). Complaints in the last 12 months are up 38% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How E Mortgage Capital answered all time
- Closed with monetary relief11.6%
- Closed with explanation6096.8%
- Closed11.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What E Mortgage Capital complaints are about
Top E Mortgage Capital problems
Inside "Applying for a mortgage or refinancing an existing mortgage"
- Confusing or misleading advertising or marketing 13
- Trying to communicate with the company to fix an issue with the application process 6
- Delays in the application process 2
- Application denials 2
- Negative impact of inaccurate appraisal 2
- Loan estimate or other related disclosures 1
Where E Mortgage Capital complaints come from
Most complaints: California (22), North Carolina (5), Florida (4), Alabama (3), Colorado (3).
E Mortgage Capital compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Midwest Loan ServicesMortgages | 50 | 29 | C |
| 2 | Truhome SolutionsMortgages | 43 | 28 | D |
| 3 | NEXA MortgageMortgages | 8 | 28 | F |
| 4 | HilltopMortgages | 51 | 28 | C |
| 5 | Land Home Financial ServicesMortgages | 21 | 27 | F |
| 6 | First United Bank and TrustMortgages | 60 | 27 | C |
| 7 | A&D MortgageMortgages | 45 | 25 | D |
| 8 | E Mortgage CapitalMortgages | - | 18 | - |
Compare side by side: E Mortgage Capital vs Midwest Loan Services · E Mortgage Capital vs Truhome Solutions · E Mortgage Capital vs NEXA Mortgage · E Mortgage Capital vs Hilltop
What people say about E Mortgage Capital
All experiencesNo experiences with E Mortgage Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest E Mortgage Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | Explained |
| Jul 16, 2026 | Mortgages | Closing on a mortgageTrying to communicate with the company to fix an issue with the loan closing | Explained |
| Jul 8, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Explained |
| Jun 24, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageTrying to communicate with the company to fix an issue with the application process | Explained |
| May 30, 2026 | Mortgages | Improper use of your reportReporting company used your report improperly | Explained |
| May 8, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Explained |
| May 7, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 1, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageApplication denials | Explained |
| Feb 25, 2026 | Mortgages | Trouble during payment processFees charged | Explained |
| Feb 20, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageTrying to communicate with the company to fix an issue with the application process | Explained |
| Feb 18, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | Explained |
| Feb 11, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about E Mortgage Capital
How many complaints does E Mortgage Capital have?
E Mortgage Capital has 62 complaints on record since January 2020, including 18 in the last 12 months and 1 in the last 30 days. That makes it number 1,136 of every company by complaints this year.
Does E Mortgage Capital respond to complaints?
Yes. E Mortgage Capital answered 94.4% 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.
What do people complain about most with E Mortgage Capital?
The most common problems are applying for a mortgage or refinancing an existing mortgage (33), closing on a mortgage (16), improper use of your report (9).
Is E Mortgage Capital legit?
E Mortgage Capital is a real company with a public complaint record: consumers have complained about it 62 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is E Mortgage Capital legit? for the signals, red flags and how to protect yourself.
Are complaints about E Mortgage Capital going up or down?
Up. There were 18 complaints in the last 12 months against 13 in the 12 before (+38%). See every month.
How do I file a complaint against E Mortgage Capital?
Complain to E Mortgage Capital 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 E Mortgage Capital complaints come from?
Most come from California (22), North Carolina (5), Florida (4). 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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