Mortgage company · complaint record
Independence Home Loans complaints
Filed under INDEPENDENCE HOME LOANS LLC
Consumers have filed 59 complaints about Independence Home Loans since 2024, 35 of them in the last 12 months (+75% on the year before). It answered 80% on time and closed 0% with relief for the customer - less often than a typical mortgage company. The most common problem is applying for a mortgage or refinancing an existing mortgage.
Poor response record. How it works
- Complaints on record
- 59
- Last 12 months
- 35
- Answered on time
- 80%
- Closed with relief
- 0%
- Last 30 days
- 4
- Rank
- #63 of 595
Since February 2024
+75% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Oct 26, 2026
Most complained-about mortgage lenders & servicers
Independence Home Loans complaints by month
The busiest month was October 2026 (6 complaints). Complaints in the last 12 months are up 75% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Independence Home Loans answered last 12 months
- Closed with explanation3394.3%
- Untimely response25.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4580% on time
- Relief for customers0/400% closed with relief
- Complaint trend3/15+75% vs last year
What Independence Home Loans complaints are about
Top Independence Home Loans problems
Inside "Applying for a mortgage or refinancing an existing mortgage"
- Confusing or misleading advertising or marketing 21
- Trying to communicate with the company to fix an issue with the application process 5
- Fees or costs during the application process 5
- Delays in the application process 3
- Loan estimate or other related disclosures 2
- Changes in loan terms during the application process 2
Where Independence Home Loans complaints come from
Most complaints: Ohio (5), Georgia (5), Colorado (5), Iowa (4), Florida (4).
Independence Home Loans compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Mutual of Omaha MortgageMortgages | 58 | 38 | C |
| 2 | Prime Source MortgageMortgages | 10 | 36 | F |
| 3 | Triad Financial ServicesMortgages | 70 | 36 | B |
| 4 | Alabama Housing Finance AuthorityMortgages | 16 | 36 | F |
| 5 | Independence Home LoansMortgages | 3 | 35 | F |
| 6 | Cardinal Financial Company, Limited PartnershipMortgages | 100 | 34 | A |
| 7 | Longbridge FinancialMortgages | 34 | 34 | F |
| 8 | Provident Funding AssociatesMortgages | 49 | 33 | D |
Compare side by side: Independence Home Loans vs Mutual of Omaha Mortgage · Independence Home Loans vs Prime Source Mortgage · Independence Home Loans vs Triad Financial Services · Independence Home Loans vs Alabama Housing Finance Authority
What people say about Independence Home Loans
All experiencesNo experiences with Independence Home Loans yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Independence Home Loans complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 26, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | No timely reply |
| Oct 23, 2026 | Mortgages | Closing on a mortgageFees or costs after closing | No timely reply |
| Oct 21, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Explained |
| Oct 20, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageFees or costs during the application process | Explained |
| Oct 14, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | Explained |
| Oct 12, 2026 | Mortgages | Trouble during payment processFees charged | Explained |
| Sep 22, 2026 | Mortgages | Closing on a mortgageTrying to communicate with the company to fix an issue with the loan closing | Explained |
| Sep 15, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Explained |
| Aug 13, 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 |
| Aug 2, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Explained |
| Jul 28, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | Explained |
| Jul 13, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | Explained |
Questions about Independence Home Loans
How many complaints does Independence Home Loans have?
Independence Home Loans has 59 complaints on record since February 2024, including 35 in the last 12 months and 4 in the last 30 days. That makes it number 825 of every company by complaints this year.
Does Independence Home Loans respond to complaints?
Yes. Independence Home Loans answered 80% 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 3/100 (grade F).
What do people complain about most with Independence Home Loans?
The most common problems are applying for a mortgage or refinancing an existing mortgage (39), closing on a mortgage (14), trouble during payment process (5).
Is Independence Home Loans legit?
Independence Home Loans is a real company with a public complaint record: consumers have complained about it 59 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Independence Home Loans legit? for the signals, red flags and how to protect yourself.
Are complaints about Independence Home Loans going up or down?
Up. There were 35 complaints in the last 12 months against 20 in the 12 before (+75%). See every month.
How do I file a complaint against Independence Home Loans?
Complain to Independence Home Loans 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 Independence Home Loans complaints come from?
Most come from Ohio (5), Georgia (5), Colorado (5). 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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