Mortgage company · complaint record
Lightning Mortgage complaints
Filed under Lightning Mortgage Holding Company Inc
Consumers have filed 7 complaints about Lightning Mortgage since 2024, 1 of them in the last 12 months. It answered 100% 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
- 7
- Last 12 months
- 1
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #365 of 595
Since February 2024
new vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Nov 24, 2025
Most complained-about mortgage lenders & servicers
Lightning Mortgage complaints by month
The busiest month was February 2024 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Lightning Mortgage answered all time
- Closed with monetary relief114.3%
- Closed with explanation685.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Lightning Mortgage complaints are about
Top Lightning Mortgage problems
Inside "Applying for a mortgage or refinancing an existing mortgage"
- Loan estimate or other related disclosures 2
- Fees or costs during the application process 1
- Trying to communicate with the company to fix an issue with the application process 1
- Confusing or misleading advertising or marketing 1
Where Lightning Mortgage complaints come from
Most complaints: Michigan (2), Minnesota (1), New Jersey (1), Texas (1), Arizona (1).
Lightning Mortgage 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 | Lightning MortgageMortgages | - | 1 | - |
Compare side by side: Lightning Mortgage vs Midwest Loan Services · Lightning Mortgage vs Truhome Solutions · Lightning Mortgage vs NEXA Mortgage · Lightning Mortgage vs Hilltop
What people say about Lightning Mortgage
All experiencesNo experiences with Lightning Mortgage yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Lightning Mortgage complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 24, 2025 | 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 11, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Explained |
| Jun 23, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageLoan estimate or other related disclosures | Explained |
| Jan 17, 2025 | Mortgages | Closing on a mortgageFees or costs after closing | Explained |
| Sep 10, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| May 9, 2024 | Mortgages | Applying for a mortgage or refinancing an existing mortgageFees or costs during the application process | Money back |
| Feb 29, 2024 | Mortgages | Applying for a mortgage or refinancing an existing mortgageLoan estimate or other related disclosures | Explained |
Questions about Lightning Mortgage
How many complaints does Lightning Mortgage have?
Lightning Mortgage has 7 complaints on record since February 2024, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Lightning Mortgage respond to complaints?
Yes. Lightning Mortgage 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.
What do people complain about most with Lightning Mortgage?
The most common problems are applying for a mortgage or refinancing an existing mortgage (5), closing on a mortgage (1), improper use of your report (1).
Is Lightning Mortgage legit?
Lightning Mortgage is a real company with a public complaint record: consumers have complained about it 7 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Lightning Mortgage legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Lightning Mortgage?
Complain to Lightning 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 Lightning Mortgage complaints come from?
Most come from Michigan (2), Minnesota (1), New Jersey (1). 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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