Mortgage company · complaint record
Hilltop complaints
Filed under HILLTOP HOLDINGS, INC
Consumers have filed 178 complaints about Hilltop since 2020, 28 of them in the last 12 months (+40% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical mortgage company. The most common problem is struggling to pay mortgage.
Average response record. How it works
- Complaints on record
- 178
- Last 12 months
- 28
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 3
- Rank
- #73 of 595
Since June 2020
+40% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Nov 9, 2026
Most complained-about mortgage lenders & servicers
Hilltop complaints by month
The busiest month was May 2021 (6 complaints). Complaints in the last 12 months are up 40% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Hilltop answered last 12 months
- Closed with explanation2796.4%
- In progress13.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+40% vs last year
What Hilltop complaints are about
Top Hilltop problems
Inside "Trouble during payment process"
- Trying to communicate with the company to fix an issue while managing or servicing your loan 7
- Escrow, taxes, or insurance 4
- Loan sold or transferred to another company 3
- Payment process 2
- Private mortgage insurance (PMI) 1
- Fees charged 1
Where Hilltop complaints come from
Most complaints: Texas (46), South Carolina (11), Florida (10), Ohio (10), California (10).
Hilltop compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Midwest Loan ServicesMortgages | 50 | 29 | C |
| 2 | Paramount Residential Mortgage GroupMortgages | 66 | 29 | B |
| 3 | EMortgage FundingMortgages | 0 | 29 | F |
| 4 | Truhome SolutionsMortgages | 43 | 28 | D |
| 5 | NEXA MortgageMortgages | 8 | 28 | F |
| 6 | HilltopMortgages | 51 | 28 | C |
| 7 | Land Home Financial ServicesMortgages | 21 | 27 | F |
| 8 | First United Bank and TrustMortgages | 60 | 27 | C |
Compare side by side: Hilltop vs Midwest Loan Services · Hilltop vs Paramount Residential Mortgage Group · Hilltop vs EMortgage Funding · Hilltop vs Truhome Solutions
What people say about Hilltop
All experiencesNo experiences with Hilltop yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Hilltop complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 9, 2026 | Mortgages | Struggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | Explained |
| Nov 6, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageChanges in loan terms during the application process | In progress |
| Oct 18, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 16, 2026 | Mortgages | Closing on a mortgageDelays with the closing process | Explained |
| Oct 15, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Oct 14, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageFees or costs during the application process | Explained |
| Oct 13, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Oct 5, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageFees or costs during the application process | Explained |
| Sep 18, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Explained |
| Aug 19, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Jul 28, 2026 | Mortgages | Struggling to pay mortgageForeclosure | Explained |
| Jul 8, 2026 | Mortgages | Struggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | Explained |
Questions about Hilltop
How many complaints does Hilltop have?
Hilltop has 178 complaints on record since June 2020, including 28 in the last 12 months and 3 in the last 30 days. That makes it number 911 of every company by complaints this year.
Does Hilltop respond to complaints?
Yes. Hilltop answered 100% 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 51/100 (grade C).
What do people complain about most with Hilltop?
The most common problems are struggling to pay mortgage (26), trouble during payment process (56), applying for a mortgage or refinancing an existing mortgage (28).
Is Hilltop legit?
Hilltop is a real company with a public complaint record: consumers have complained about it 178 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Hilltop legit? for the signals, red flags and how to protect yourself.
Are complaints about Hilltop going up or down?
Up. There were 28 complaints in the last 12 months against 20 in the 12 before (+40%). See every month.
How do I file a complaint against Hilltop?
Complain to Hilltop 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 Hilltop complaints come from?
Most come from Texas (46), South Carolina (11), Florida (10). 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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