Live benchmark rates · Federal Reserve (FRED)

30-yr fixed6.47%FRED observation: Jun 18, 2026

15-yr fixed5.81%FRED observation: Jun 18, 2026

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.

RANKINGS · MORTGAGES

Mortgages Complaint Rates

Mortgage complaints cover loan servicing, escrow issues, foreclosure, and payment processing errors. Rates normalised per 1,000 customers.

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INSTITUTIONS RANKED

CATEGORY AVERAGE

0.16

complaints per 1k customers

BEST PERFORMER

0.02

CAPITAL ONE FINANCIAL CORPORATION

WORST PERFORMER

0.47

MIDFIRST BANK

Not sure if your provider is good enough?See what the data means for you and what to do about it.

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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.

#	Institution	Complaint Rate ⓘ	Total Complaints ⓘ	Replied in Time ⓘ	Risk Level ⓘ
1	MIDFIRST BANK VIEW PROFILE →	0.47/1k	1,160	100%	Low Risk
2	EVERBANK, NATIONAL ASSOCIATION VIEW PROFILE →	0.34/1k	1,263	97%	Low Risk
3	WELLS FARGO & COMPANY VIEW PROFILE →	0.33/1k	48,811	100%	Low Risk
4	M&T BANK CORPORATION VIEW PROFILE →	0.23/1k	3,961	99%	Low Risk
5	BANK OF AMERICA, NATIONAL ASSOCIATION VIEW PROFILE →	0.23/1k	48,008	98%	Low Risk
6	CITIZENS FINANCIAL GROUP, INC. VIEW PROFILE →	0.19/1k	3,604	100%	Low Risk
7	FIFTH THIRD FINANCIAL CORPORATION VIEW PROFILE →	0.18/1k	3,162	100%	Low Risk
8	PNC Bank N.A. VIEW PROFILE →	0.16/1k	7,240	99%	Low Risk
9	U.S. BANCORP VIEW PROFILE →	0.16/1k	8,572	99%	Low Risk
10	JPMORGAN CHASE & CO. VIEW PROFILE →	0.09/1k	25,295	100%	Low Risk
11	BANCO POPULAR DE PUERTO RICO VIEW PROFILE →	0.09/1k	499	99%	Low Risk
12	REGIONS FINANCIAL CORPORATION VIEW PROFILE →	0.08/1k	1,099	97%	Low Risk
13	CITIBANK, N.A. VIEW PROFILE →	0.07/1k	10,346	98%	Low Risk
14	TRUIST FINANCIAL CORPORATION VIEW PROFILE →	0.06/1k	2,648	99%	Low Risk
15	KEYCORP VIEW PROFILE →	0.06/1k	969	99%	Low Risk
16	TD BANK US HOLDING COMPANY VIEW PROFILE →	0.06/1k	1,712	100%	Low Risk
17	HUNTINGTON NATIONAL BANK, THE VIEW PROFILE →	0.06/1k	1,046	100%	Low Risk
18	BMO BANK NATIONAL ASSOCIATION VIEW PROFILE →	0.04/1k	825	100%	Low Risk
19	CAPITAL ONE FINANCIAL CORPORATION VIEW PROFILE →	0.02/1k	1,237	100%	Low Risk

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 →

WHAT TO DO ABOUT IT

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. The best-rated alternative in this category has a complaint rate 19× lower than the highest-rate institution shown.

BETTER ALTERNATIVESi

#1 LOWEST RATE19.3× lower

CAPITAL ONE FINANCIAL CORPORATION

0.02complaints per 1,000 customers

1,237 total CFPB complaintsView CAPITAL →

#2 LOWEST RATE11.3× lower

BMO BANK NATIONAL ASSOCIATION

0.04complaints per 1,000 customers

825 total CFPB complaintsView BMO →

#3 LOWEST RATE8.2× lower

HUNTINGTON NATIONAL BANK, THE

0.06complaints per 1,000 customers

1,046 total CFPB complaintsView HUNTINGTON →

View full rankings →

✔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

Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing

Fair Lending Data · FFIEC HMDA 2023

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.

Mortgage fair-lending data

ComplaintRate publishes Black-versus-white mortgage denial-rate ratios only where each race group has a sufficient application sample (at least 20). Per-race application counts are not currently available for verification, so institution-level disparity figures are not reported here. Each institution's profile links to its FFIEC HMDA source data.

What HMDA denial rate disparity means

lenders tracked

with HMDA 2023 denial rate data cross-referenced against CFPB complaints

2×+

disparity threshold

institutions where minority denial rates are 2× or more above white applicant rates are flagged

FFIEC

federal source

Home Mortgage Disclosure Act data published annually by federal financial regulators

⚖️

DOJ Fair Lending Enforcement

The Department of Justice Civil Rights Division has tracked $564M in fair lending penalties across 6 institutions in this dataset — including redlining and pricing discrimination violations. See DOJ enforcement data →