Mortgage company · complaint record
Freedom Mortgage complaints
Filed under Freedom Mortgage Company
Consumers have filed 10,627 complaints about Freedom Mortgage since 2012, 2,041 of them in the last 12 months (+45% on the year before). It answered 99.3% on time and closed 0% with relief for the customer - less often than a typical mortgage company. The most common problem is trouble during payment process. It is the 3rd most complained-about of 595 mortgage lenders & servicers this year.
Weak response record. How it works
- Complaints on record
- 10,627
- Last 12 months
- 2,041
- Answered on time
- 99.3%
- Closed with relief
- 0%
- Last 30 days
- 103
- Rank
- #3 of 595
Since March 2012
+45% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Nov 5, 2026
Most complained-about mortgage lenders & servicers
Freedom Mortgage complaints by month
The busiest month was October 2026 (216 complaints). Complaints in the last 12 months are up 45% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Freedom Mortgage answered last 12 months
- Closed with explanation1,89492.8%
- In progress1477.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time42/4599.3% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+45% vs last year
What Freedom Mortgage complaints are about
Top Freedom Mortgage problems last 12 months
Inside "Trouble during payment process"
- Escrow, taxes, or insurance 958
- Trying to communicate with the company to fix an issue while managing or servicing your loan 487
- Payment process 452
- Private mortgage insurance (PMI) 106
- Loan sold or transferred to another company 95
- Fees charged 87
Where Freedom Mortgage complaints come from
Most complaints: California (1,186), Florida (1,088), Texas (1,067), Georgia (544), Virginia (435).
Freedom Mortgage compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Freedom MortgageMortgages | 48 | 2,041 | D |
| 2 | Ocwen FinancialMortgages | 54 | 1,681 | C |
| 3 | PennyMacMortgages | 89 | 1,490 | A |
| 4 | M&T BankMortgages | 92 | 1,455 | A |
| 5 | Carrington Mortgage ServicesMortgages | 44 | 1,302 | D |
| 6 | Select Portfolio ServicingMortgages | 52 | 1,277 | C |
| 7 | LoanCareMortgages | 46 | 1,091 | D |
| 8 | SeleneMortgages | 50 | 1,063 | C |
Compare side by side: Freedom Mortgage vs Ocwen Financial · Freedom Mortgage vs PennyMac · Freedom Mortgage vs M&T Bank · Freedom Mortgage vs Carrington Mortgage Services
What people say about Freedom Mortgage
All experiencesNo experiences with Freedom Mortgage yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Freedom Mortgage complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 5, 2026 | Mortgages | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 5, 2026 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Nov 4, 2026 | Mortgages | Closing on a mortgageFees or costs after closing | Explained |
| Nov 3, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Explained |
| Nov 2, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 2, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Nov 2, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Nov 2, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Nov 1, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 1, 2026 | Mortgages | Trouble during payment processFees charged | Explained |
| Oct 31, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | In progress |
| Oct 31, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
Questions about Freedom Mortgage
How many complaints does Freedom Mortgage have?
Freedom Mortgage has 10,627 complaints on record since March 2012, including 2,041 in the last 12 months and 103 in the last 30 days. That makes it number 76 of every company by complaints this year.
Does Freedom Mortgage respond to complaints?
Yes. Freedom Mortgage answered 99.3% 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 48/100 (grade D).
What do people complain about most with Freedom Mortgage?
The most common problems are trouble during payment process (4,531), struggling to pay mortgage (1,687), incorrect information on your report (983).
Is Freedom Mortgage legit?
Freedom Mortgage is a real company with a public complaint record: consumers have complained about it 10,627 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Freedom Mortgage legit? for the signals, red flags and how to protect yourself.
Are complaints about Freedom Mortgage going up or down?
Up. There were 2,041 complaints in the last 12 months against 1,408 in the 12 before (+45%). See every month.
How do I file a complaint against Freedom Mortgage?
Complain to Freedom 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 Freedom Mortgage complaints come from?
Most come from California (1,186), Florida (1,088), Texas (1,067). 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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