Benchmark rates sourced from the Federal Reserve Bank of St. Louis (FRED). Updated weekly. These are national averages - your rate will vary based on credit score, lender, and loan terms.
$12.4 trillion in outstanding US mortgage debt
Source: Federal Reserve / HMDA · 2024
Mortgage servicing complaints are particularly consequential — errors here can affect credit scores, trigger late fees, or in the worst cases contribute to foreclosure proceedings.
Mortgages Complaint Rates
Mortgage complaints cover loan servicing, escrow issues, foreclosure, and payment processing errors. Rates normalised per 1,000 customers.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. Hover column headers for metric explanations.
A high mortgage complaint rate signals customers are regularly encountering problems serious enough to escalate to federal regulators. A CFPB complaint is a formal record the institution must respond to. 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.
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.
We may earn a commission if you open an account through our links. This does not influence our data or rankings, which are derived entirely from federal government sources. Partner links marked rel="sponsored". Full affiliate disclosure · Methodology
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing
Mortgage denial rates by race — tracked across 63 lenders
The Home Mortgage Disclosure Act (HMDA) requires lenders to report application outcomes by applicant race. ComplaintRate cross-references this with CFPB complaint data — surfacing lenders where minority applicants face both higher denial rates and worse complaint outcomes. Source: FFIEC HMDA 2023 data, published by the Consumer Financial Protection Bureau.