$12.6 trillion in outstanding US mortgage debt.
Source: Federal Reserve, Q4 2024
Your servicer determines what happens when something goes wrong.
Mortgage Complaint Rates
Mortgage servicers and originators ranked by complaint rate. High complaint rates here often signal servicing failures, escrow errors and wrongful foreclosure practices.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. #1 = the institution with the highest complaint rate per customer in this category. Hover the i icons in the column headers for an explanation of each metric.
Mortgage complaints spike after rate cycles - servicers struggling with volume during refinance booms often show elevated rates. Compare servicers before you refinance. Read our full methodology →
A high complaint rate from your mortgage servicer means when an escrow error hits or you need hardship help, you are more likely to face months of runaround.
When your escrow calculation is wrong, when you apply for forbearance during a hardship, or when your payment gets misapplied to the wrong month - your servicer's complaint rate predicts what happens to your home. At the worst-rated servicers, misapplied payments lead to foreclosure threats, damaged credit scores, and months of back-and-forth. At the best-rated servicers, the same errors are caught and corrected within days.
You cannot always choose your servicer after closing - but you can choose your lender at origination and you can refinance away from a bad servicer. If your current servicer has a high complaint rate, refinancing can move you to a better servicer AND lower your rate at the same time.
- ✓Servicers with high complaint rates are 4x more likely to misapply your payments
- ✓Complaint volume spikes 300% during servicing transfers - check your new servicer before closing
- ✓Best-rated mortgage servicers resolve escrow disputes in days, not months
- ✓Refinancing can move you to a better servicer AND lower your interest rate simultaneously
These institutions handle complaints the best in this category. Click any name to see their full profile.
Partner links are marked rel="sponsored". ComplaintRate earns a referral fee if you open an account through these links -- at no cost to you. Rankings are independent of commercial relationships and based solely on CFPB + FDIC public data. Read our methodology →
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing