Mortgage company · complaint record
Ready Capital complaints
Filed under Ready Capital Corporation
Consumers have filed 58 complaints about Ready Capital since 2021, 8 of them in the last 12 months (-47% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is struggling to pay mortgage.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 58
- Last 12 months
- 8
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #149 of 595
Since April 2021
-47% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Aug 7, 2026
Most complained-about mortgage lenders & servicers
Ready Capital complaints by month
The busiest month was March 2023 (6 complaints). Complaints in the last 12 months are down 47% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Ready Capital answered all time
- Closed with monetary relief23.4%
- Closed with explanation5696.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Ready Capital complaints are about
Top Ready Capital problems
Inside "Trouble during payment process"
- Payment process 5
- Escrow, taxes, or insurance 4
- Loan sold or transferred to another company 3
- Trying to communicate with the company to fix an issue while managing or servicing your loan 2
- Lien release 1
- Private mortgage insurance (PMI) 1
Where Ready Capital complaints come from
Most complaints: Louisiana (26), Alabama (6), South Carolina (4), California (3), Mississippi (3).
Ready Capital 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 | Ready CapitalMortgages | - | 8 | - |
Compare side by side: Ready Capital vs Midwest Loan Services · Ready Capital vs Truhome Solutions · Ready Capital vs NEXA Mortgage · Ready Capital vs Hilltop
What people say about Ready Capital
All experiencesNo experiences with Ready Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Ready Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 7, 2026 | Mortgages | Struggling to pay mortgageAn existing modification, forbearance plan, short sale, or other loss mitigation relief | Explained |
| Jul 15, 2026 | Payday & personal loans | Getting a line of credit | Explained |
| May 27, 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 |
| Apr 1, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesBilling dispute for services | Explained |
| Mar 12, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Feb 20, 2026 | Mortgages | Incorrect information on your reportAccount status incorrect | Explained |
| Jan 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 13, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 12, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 12, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 9, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 10, 2025 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
Questions about Ready Capital
How many complaints does Ready Capital have?
Ready Capital has 58 complaints on record since April 2021, including 8 in the last 12 months and 0 in the last 30 days. That makes it number 1,571 of every company by complaints this year.
Does Ready Capital respond to complaints?
Yes. Ready Capital 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 Ready Capital?
The most common problems are struggling to pay mortgage (6), trouble during payment process (23), incorrect information on your report (5).
Is Ready Capital legit?
Ready Capital is a real company with a public complaint record: consumers have complained about it 58 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Ready Capital legit? for the signals, red flags and how to protect yourself.
Are complaints about Ready Capital going up or down?
Down. There were 8 complaints in the last 12 months against 15 in the 12 before (-47%). See every month.
How do I file a complaint against Ready Capital?
Complain to Ready Capital 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 Ready Capital complaints come from?
Most come from Louisiana (26), Alabama (6), South Carolina (4). 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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