Guidance Residential against other mortgage lenders & servicers
| # | Company | 12 months | Change | On time | Relief | All time |
|---|
| 1 | Shellpoint Mortgage Servicing | 3,741 | +17% | 81.4% | 0% | 17,690 |
| 2 | Rocket Mortgage | 3,572 | +499% | 99.9% | 0% | 8,475 |
| 3 | Freedom Mortgage | 1,701 | +50% | 99.4% | 0% | 9,327 |
| 4 | Ocwen Financial | 1,514 | +44% | 100% | 1% | 35,815 |
| 5 | Wells Fargo | 1,187 | -8% | 100% | 9% | 49,962 |
| 6 | PennyMac | 1,157 | +86% | 99.9% | 13% | 5,470 |
| 7 | Select Portfolio Servicing | 1,130 | +34% | 99.9% | 0% | 15,278 |
| 8 | Carrington Mortgage Services | 1,081 | +124% | 99.7% | 0% | 6,641 |
| 9 | Selene | 967 | +53% | 100% | 0% | 3,082 |
| 10 | LoanCare | 862 | +107% | 100% | 0% | 7,382 |
| 11 | Mr. Cooper | 757 | -64% | 100% | 0% | 13,321 |
| 12 | JPMorgan Chase | 734 | +43% | 100% | 2% | 25,884 |
| 13 | Guidance Residential | 6 | new | 100% | 0% | 24 |
Every mortgage company ranked
Latest Guidance Residential mortgages complaints
| Received | About | Issue | State | Answer | On time |
|---|
| Oct 30, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | CA | Explained | Yes |
| Oct 22, 2026 | Mortgages | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | IL | Explained | Yes |
| Oct 4, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageApplication denials | PA | In progress | Yes |
| Sep 20, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | VA | Explained | Yes |
| Aug 7, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | GA | Explained | Yes |
| Jan 22, 2026 | Mortgages | Trouble during payment processPrivate mortgage insurance (PMI) | TX | Explained | Yes |
| Jul 24, 2025 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | MD | Explained | Yes |
| May 28, 2024 | Mortgages | Trouble during payment processFees charged | CA | Money back | Yes |
| Mar 5, 2024 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | MI | Explained | Yes |
| Oct 17, 2022 | Mortgages | Trouble during payment process | NY | Explained | Yes |
| May 27, 2022 | Mortgages | Closing on a mortgage | CA | Explained | Yes |
| Feb 14, 2022 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | CA | Explained | Yes |
| Feb 9, 2022 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | TX | Explained | Yes |
| Mar 24, 2021 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | CA | Explained | Yes |
| Mar 18, 2021 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | MD | Explained | Yes |
| Feb 15, 2021 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | CA | Explained | Yes |
| Jan 12, 2021 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | VA | Money back | Yes |
| Sep 17, 2020 | Mortgages | Trouble during payment process | TX | Explained | Yes |
| Mar 3, 2020 | Mortgages | Trouble during payment process | FL | Explained | Yes |
| Aug 13, 2019 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | NJ | Explained | Yes |
| Dec 6, 2017 | Mortgages | Trouble during payment process | IL | Explained | No |
| Jul 25, 2017 | Mortgages | Trouble during payment process | CA | Explained | Yes |
| Mar 24, 2016 | Mortgages | Loan servicing, payments, escrow account | NJ | Explained | Yes |
| Feb 3, 2016 | Mortgages | Settlement process and costs | GA | Explained | Yes |
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.
Scam warning: 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.
General information, not legal advice; rules vary by state. Plain-English guides
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